
Annual Health Insurance Program for US Sailing Members
We are proud to offer US Sailing members access to our Sailors Health Insurance Program which is a creditable, annual health insurance plan. This best-in-class annual health insurance plan features worldwide coverage, domestic coverage, prompt access to doctors and hospitals, English-speaking customer service, paperless claims, and more.
US Sailing Members Who May Qualify
- Must have a current US Sailing membership
- Certified US Sailing instructors and coaches
- Collegiate sailing athletes
- US Olympic Sailing Team members
- Professional crew/captains
- Professional sailors
- International cruisers
- Others, please inquire
Plan Highlights (with GeoBlue Plan)
- Worldwide coverage
- Unlimited lifetime maximum
- 100% coverage outside the US
- 80% coverage in-network (in US with Anthem)
- No waiting periods associated with preventative services
- Medical evacuation
- Online enrollments and automatic monthly credit card deductions
- Customize your own deductible and out-of-pocket maximum
Enrollment
Open Enrollment for US Sailing (July 1 to August 31): Enrollment is handled online for a September 1st policy start. Enroll now.
Enrollment at other times of year: May be available with qualifying life events. Please email us.
Contact Information
Rick Bagnall at rbagnall@risk-strategies.com, 860.399.3634
Barbie Murray at sailorshealthgowrie@risk-strategies.com, 860.399.3630
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This specialized health insurance program for US Sailing members provides worldwide coverage and includes AD&D (accident death and dismemberment), medical evacuation and bedside visitation coverages as well as all other health insurance coverage expected in the U.S. In addition, the program includes mPassport, a portable medical care access tool for use worldwide. The program is underwritten by Geo Blue
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The program is managed by Gowrie Group. Rick Bagnall is the program manager; you can reach him at rbagnall@risk-strategies.com or 860.399.3634.
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There are six general categories of sailors that may qualify for US Sailing’s group crew medical insurance program. (Please note: Current US Sailing membership is required.)
- Certified US Sailing instructors
- Collegiate sailing athletes
- Members of US Olympic Sailing Team
- Professional crew/captains
- Paid race yachts crew
- International cruisers
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Please contact Rick Bagnall at rbagnall@risk-strategies.com or 860.399.3634 to discuss
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Yes, the policy offers coverage in the United States, using the Anthem network.
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This is an annual insurance policy. US Sailing members can enroll in this program during Open Enrollment which runs from July 1st to August 31st. The policy period starts September 1st.
After Open Enrollment, enrollment is closed unless the US Sailing member has a qualifying event.
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Online enrollment is available only during the Open Enrollment period which runs from July 1st to August 31st. To enroll at other times, contact Rick Bagnall at rbagnall@risk-strategies.com or 860.399.3634. Please note that premiums are payable by credit card only.
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Several factors contribute to the low premiums in this program.
- Many people covered in the program spend time outside of the United States for much of the year, and health insurance coverage is a lot less expensive overseas.
- Many in the program have multiple sources of coverage (eg, paid crew typically have P&I from the vessel), thus the full exposure to risk is lower.
- Within US Sailing’s membership base, the majority that qualifies for this coverage tend to be younger.
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Benefit plans can be affected by life event changes, some of which qualify as an official change in status by the IRS. Generally, when you enroll in benefits as a new employee, you cannot make any changes until the next Open Enrollment period. However, if you experience a qualified change in status you can make mid-year changes. A qualifying event, also called a life event change, is a personal change in status which may allow you to change your benefit elections. Examples of some qualifying events include, but are not limited to, the following:
- Change in legal marital status – marriage, divorce, legal separation, annulment, death of a spouse.
- Change in number of dependents – birth, death, adoption, placement for adoption, award of legal guardianship.
- Change in employment status of the employee’s spouse or employee’s dependent – switching from part-time to full-time employment status or from full-time to part-time, termination or commencement of employment, a strike or lockout, commencement of or return from an unpaid leave of absence which results in employee/dependent becoming ineligible for coverage.
- Dependent satisfies or ceases to satisfy eligibility requirement – marriage of a dependent or change in student status.
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It is important to remember that if you experience a qualifying event, you will need to request a change to your benefits within 30 calendar days of the event and provide required documentation. If you do not request the change within 30 calendar days, the next opportunity you will have to make changes to your benefits will be during the next Open Enrollment period.
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The next step would be to call your Physician or Hospital directly and see if they are in the Anthem network. If they are in the Anthem network they should accept Geo Blue.
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Yes. We can set up a group contract and supply a statement directly to your business. This allows employees the extra benefit of paying their premium through payroll deduction and receiving their benefits as a pre-tax benefit. In order to set up a group contract, please contact Rick Bagnall at rbagnall@risk-strategies.com or 860.399.3634
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Geo Blue is the carrier for the US Sailing group crew medical program. Founded in 1997, Geo Blue is a leading provider of international health insurance programs and an innovator in online healthcare information, medical assistance and insurance services around the globe. Geo Blue annually provides health insurance products or services to more than 650,000 individuals who travel, study or live outside of their home country. Geo Blue is 80% backed by Anthem Blue Cross & Blue Shield and 20% backed by Swiss Re. It is also important to know that Geo Blue is the only U.S. insurance carrier with a network of physicians and hospitals throughout the world, offering a service called "M Passport" to access these medical care providers. In the United States, Geo Blue uses the Anthem physician and hospital network.
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Risk Strategies/Gowrie Group is US Sailing’s insurance partner and manages this health insurance program. Rick Bagnall runs the program for Risk Strategies/Gowrie Group and is the direct contact for all clients. Risk Strategies/Gowrie Group brings to US Sailing members insurance solutions for yacht clubs, one-design boats, cruising boats, health insurance, and more.
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$100,000}', premium='{type=string, value=$100}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390653, createdAt=1744198475078, updatedAt=1744198475078, name='{type=string, value=Money Transmitter Bond}', description='{type=string, value=Mandatory for money transmitters to ensure compliance with financial regulations.}', amount='{type=string, value=$50,000 - $300,000}', premium='{type=string, value=$750}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390654, createdAt=1744198475079, updatedAt=1744198475079, name='{type=string, value=Mortgage Broker, Banker, and/or Servicer Bond}', description='{type=string, value=Required for licensed mortgage loan brokers, bankers, or servicers.}', amount='{type=string, value=$100,000 - $200,000}', premium='{type=string, value=$750}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390655, createdAt=1744198475080, updatedAt=1744198475080, name='{type=string, value=New Motor Vehicle Dealer Bond}', description='{type=string, value=Required for dealers selling new vehicles in Arkansas.}', amount='{type=string, value=$25,000 - $50,000}', premium='{type=string, value=$125}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390656, createdAt=1744198475081, updatedAt=1744198475081, name='{type=string, value=New Motorcycle, ATV, Scooter, Utility Vehicle or Lessor Bond}', description='{type=string, value=Required for dealers selling new motorcycles, ATVs, scooters, utility vehicles, or acting as lessors.}', amount='{type=string, value=$25,000}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390657, createdAt=1744198475082, updatedAt=1744198475082, name='{type=string, value=North Little Rock Contractor Bond}', description='{type=string, value=Mandatory for contractors applying for commercial building permits in North Little Rock.}', amount='{type=string, value=$10,000}', premium='{type=string, value=$100}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390658, createdAt=1744198475083, updatedAt=1744198475083, name='{type=string, value=Notary Bond}', description='{type=string, value=Required for individuals who authenticate signatures and administer oaths.}', amount='{type=string, value=$7,500}', premium='{type=string, value=$50}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390659, createdAt=1744198475084, updatedAt=1744198475084, name='{type=string, value=Open-Cut Land Reclamation Bond}', description='{type=string, value=Ensures compliance with land reclamation regulations for open-cut mining operations.}', amount='{type=string, value=$1,000 - $100,000}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390660, createdAt=1744198475085, updatedAt=1744198475085, name='{type=string, value=Oversize and Overweight Hauling Permit Bond}', description='{type=string, value=Required for entities transporting oversize or overweight loads to ensure adherence to permit conditions.}', amount='{type=string, value=$1,000 - $10,000}', premium='{type=string, value=$100}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390661, createdAt=1744198475086, updatedAt=1744198475086, name='{type=string, value=Paid Solicitor Bond}', description='{type=string, value=Necessary for paid solicitors to guarantee ethical fundraising practices.}', amount='{type=string, value=$10,000}', premium='{type=string, value=$150}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390662, createdAt=1744198475087, updatedAt=1744198475087, name='{type=string, value=Payment Bonds}', description='{type=string, value=Ensure contractors pay subcontractors and suppliers, especially on public property projects.}', amount='{type=string, value=Varies}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390663, createdAt=1744198475088, updatedAt=1744198475088, name='{type=string, value=Performance Bonds}', description='{type=string, value=Guarantee completion of contractual obligations, particularly in large public construction projects.}', amount='{type=string, value=Varies}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390664, createdAt=1744198475089, updatedAt=1744198475089, name='{type=string, value=Perpetual Care Cemetery Fidelity Bond}', description='{type=string, value=Ensures proper management of funds for perpetual care cemeteries.}', amount='{type=string, value=$1,000 - $250,000}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390665, createdAt=1744198475090, updatedAt=1744198475090, name='{type=string, value=Private Career Education School Bond}', description='{type=string, value=Required for private career education schools to ensure compliance with state regulations.}', amount='{type=string, value=$5,000 - $100,000}', premium='{type=string, value=$37}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390666, createdAt=1744198475091, updatedAt=1744198475091, name='{type=string, value=Private Employment Agency Bond}', description='{type=string, value=Ensures private employment agencies adhere to state laws and protect clients.}', amount='{type=string, value=$5,000}', premium='{type=string, value=$100}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390667, createdAt=1744198475092, updatedAt=1744198475092, name='{type=string, value=Probate & Estate Bonds}', description='{type=string, value=Required for fiduciaries and estate administrators to ensure fulfillment of legal duties.}', amount='{type=string, value=Varies}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390668, createdAt=1744198475093, updatedAt=1744198475093, name='{type=string, value=Process Server Bond}', description='{type=string, value=Mandatory for individuals serving legal documents to ensure ethical conduct.}', amount='{type=string, value=$10,000}', premium='{type=string, value=$100}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390669, createdAt=1744198475094, updatedAt=1744198475094, name='{type=string, value=Professional Employer Organization Bond}', description='{type=string, value=Required for organizations providing employee leasing services to ensure compliance with regulations.}', amount='{type=string, value=$100,000}', premium='{type=string, value=$1,000}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390670, createdAt=1744198475095, updatedAt=1744198475095, name='{type=string, value=Public Official Bonds}', description='{type=string, value=Ensure public officials perform their duties ethically and in accordance with the law.}', amount='{type=string, value=$1,000 - $2,000,000}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390671, createdAt=1744198475096, updatedAt=1744198475096, name='{type=string, value=Residential Roofing Contractor Bond}', description='{type=string, value=Required for roofing contractors undertaking projects over $2,000 to ensure compliance with standards.}', amount='{type=string, value=$15,000}', premium='{type=string, value=$100}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390672, createdAt=1744198475097, updatedAt=1744198475097, name='{type=string, value=Right of Way Bonds}', description='{type=string, value=Necessary before performing construction work on publicly owned right of ways.}', amount='{type=string, value=$1,000 - $500,000}', premium='{type=string, value=$100}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390673, createdAt=1744198475098, updatedAt=1744198475098, name='{type=string, value=Scholarship Uniform Lottery Bond}', description='{type=string, value=Required for entities selling lottery tickets or using lottery equipment to ensure proper fund management.}', amount='{type=string, value=$1,000 - $100,000}', premium='{type=string, value=$50}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390674, createdAt=1744198475099, updatedAt=1744198475099, name='{type=string, value=State Highway and Transportation Department Contract Bond}', description='{type=string, value=Ensures contractors fulfill obligations on state highway and transportation projects.}', amount='{type=string, value=$1,000 - $100,000}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390675, createdAt=1744198475100, updatedAt=1744198475100, name='{type=string, value=Subdivision Bonds}', description='{type=string, value=Required before initiating construction in subdivisions to ensure completion of public infrastructure.}', amount='{type=string, value=$1,000 - $10,000,000}', premium='{type=string, value=$100}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390676, createdAt=1744198475101, updatedAt=1744198475101, name='{type=string, value=Summer Food Service Program Bond}', description='{type=string, value=Ensures compliance with regulations for providers of summer food services to children.}', amount='{type=string, value=$1,000 - $200,000}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390677, createdAt=1744198475102, updatedAt=1744198475102, name='{type=string, value=Supply Bond}', description='{type=string, value=Guarantees suppliers fulfill contracts to provide materials or supplies.}', amount='{type=string, value=$1,000 - $25,000,000}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390678, createdAt=1744198475103, updatedAt=1744198475103, name='{type=string, value=Surplus Lines Insurance Broker/Producer Bond}', description='{type=string, value=Required for brokers dealing with surplus lines insurance to ensure compliance with state laws.}', amount='{type=string, value=$50,000}', premium='{type=string, value=$250}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390679, createdAt=1744198475104, updatedAt=1744198475104, name='{type=string, value=Third Party Administrator Bond}', description='{type=string, value=Ensures third-party administrators manage funds and claims in accordance with regulations.}', amount='{type=string, value=$25,000}', premium='{type=string, value=$250}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390680, createdAt=1744198475105, updatedAt=1744198475105, name='{type=string, value=Towing and Recovery Bond}', description='{type=string, value=Required for towing and recovery operators to ensure ethical business practices.}', amount='{type=string, value=$50,000}', premium='{type=string, value=$250}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390681, createdAt=1744198475106, updatedAt=1744198475106, name='{type=string, value=TTB Tobacco Bonds}', description='{type=string, value=Mandatory for businesses manufacturing or exporting tobacco products to ensure tax compliance.}', amount='{type=string, value=$100 - $250,000}', premium='{type=string, value=$100}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390682, createdAt=1744198475107, updatedAt=1744198475107, name='{type=string, value=Used Tire Transporter Bond}', description='{type=string, value=Required for transporters of used tires to ensure proper disposal and environmental compliance.}', amount='{type=string, value=$10,000}', premium='{type=string, value=$100}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390683, createdAt=1744198475108, updatedAt=1744198475108, name='{type=string, value=USTOA Indemnity Bonds}', description='{type=string, value=Required for active members of the USTOA $1 Million Travelers Assistance Program to protect consumers.}', amount='{type=string, value=$1,000,000}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390684, createdAt=1744198475109, updatedAt=1744198475109, name='{type=string, value=Utility Bond}', description='{type=string, value=Required by utility companies to ensure timely payment of utility bills by customers.}', amount='{type=string, value=$100 - $100,000}', premium='{type=string, value=$40}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}]Blog
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specify
[{id=187918185375, createdAt=1743000928060, updatedAt=1743005600094, amount='{type=string, value=Varies}', premium='{type=string, value=Subject to Underwriting}', name='{type=string, value=Sample California Bond}', link='{type=string, value=#}', description='{type=string, value=
Required by the TTB for alcohol-related businesses with annual excise taxes exceeding $50,000.
}', state='{type=option, value={id=1, name='california', order=0, label='California'}}', link_text='{type=string, value=Learn more}'}, {id=187921817602, createdAt=1743001070202, updatedAt=1743005590594, amount='{type=string, value=Varies}', premium='{type=string, value=Subject to Underwriting}', name='{type=string, value=Sample Arkansas Bond}', link='{type=string, value=#}', description='{type=string, value=Required by the TTB for alcohol-related businesses with annual excise taxes exceeding $50,000.
}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', link_text='{type=string, value=Learn more...}'}, {id=187918692102, createdAt=1743004969903, updatedAt=1743005596878, name='{type=string, value=Sample California Bond 2}', description='{type=string, value=Description goes here and here}', amount='{type=string, value=X}', premium='{type=string, value=Lorem ipsum}', state='{type=option, value={id=1, name='california', order=0, label='California'}}'}, {id=188601390617, createdAt=1744198475042, updatedAt=1744198475042, name='{type=string, value=Alcohol Tax Bonds (Federal/TTB)}', description='{type=string, value=Required by the TTB for alcohol-related businesses with annual excise taxes exceeding $50,000.}', amount='{type=string, value=Varies}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390618, createdAt=1744198475043, updatedAt=1744198475043, name='{type=string, value=Appraisal Management Company Bond}', description='{type=string, value=Necessary for firms overseeing networks of state-licensed appraisers.}', amount='{type=string, value=$20,000}', premium='{type=string, value=$200}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390619, createdAt=1744198475044, updatedAt=1744198475044, name='{type=string, value=Arkansas Motor Vehicle Dealer Bonds}', description='{type=string, value=Mandatory for new and used vehicle dealers and wholesalers.}', amount='{type=string, value=$25,000 - $50,000}', premium='{type=string, value=$125}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390620, createdAt=1744198475045, updatedAt=1744198475045, name='{type=string, value=Barber School Bond}', description='{type=string, value=Ensures barber schools adhere to contractual and professional obligations.}', amount='{type=string, value=$10,000}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390621, createdAt=1744198475046, updatedAt=1744198475046, name='{type=string, value=Beauty Pageant Bond}', description='{type=string, value=Guarantees that beauty pageant organizers fulfill their contractual commitments.}', amount='{type=string, value=$10,000}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390622, createdAt=1744198475047, updatedAt=1744198475047, name='{type=string, value=Bid Bonds}', description='{type=string, value=Serve as financial assurance for certain contract bid proposals, especially large-scale projects.}', amount='{type=string, value=Varies}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390623, createdAt=1744198475048, updatedAt=1744198475048, name='{type=string, value=Broker-Dealer, Investment Adviser, or Agent of the Issuer Bond}', description='{type=string, value=Required for professionals in securities to ensure compliance with regulations.}', amount='{type=string, value=$1,000 - $50,000}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390624, createdAt=1744198475049, updatedAt=1744198475049, name='{type=string, value=Business Service Bonds}', description='{type=string, value=Protect clients against employee theft and misconduct for businesses operating on client premises.}', amount='{type=string, value=$10,000 - $100,000}', premium='{type=string, value=$125}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390625, createdAt=1744198475050, updatedAt=1744198475050, name='{type=string, value=Certificate of Title Bond}', description='{type=string, value=Needed for vehicles lacking titles necessary for registration.}', amount='{type=string, value=$100 - $1,000,000}', premium='{type=string, value=$100}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390626, createdAt=1744198475051, updatedAt=1744198475051, name='{type=string, value=Child and Adult Care Food Program (CACFP) Bond}', description='{type=string, value=Ensure compliance with CACFP regulations for meal service providers.}', amount='{type=string, value=$1,000 - $150,000}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390627, createdAt=1744198475052, updatedAt=1744198475052, name='{type=string, value=Cigarette Stamp Deputy Bond}', description='{type=string, value=Required for deputies overseeing cigarette stamp distribution and compliance.}', amount='{type=string, value=$1,000 - $100,000}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390628, createdAt=1744198475053, updatedAt=1744198475053, name='{type=string, value=City of Maumelle Solicitor Bond}', description='{type=string, value=Necessary for solicitors operating within Maumelle to ensure adherence to local ordinances.}', amount='{type=string, value=$1,000}', premium='{type=string, value=$100}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390629, createdAt=1744198475054, updatedAt=1744198475054, name='{type=string, value=City of Texarkana License and Permit Bond}', description='{type=string, value=Required for businesses in Texarkana to guarantee compliance with municipal regulations.}', amount='{type=string, value=$2,000}', premium='{type=string, value=$100}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390630, createdAt=1744198475055, updatedAt=1744198475055, name='{type=string, value=CLB Commercial Contractor License Bond}', description='{type=string, value=Mandatory for contractors undertaking commercial projects valued at $50,000 or more.}', amount='{type=string, value=$10,000}', premium='{type=string, value=$100}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390631, createdAt=1744198475056, updatedAt=1744198475056, name='{type=string, value=CLB Financial Statement Contractor Bond}', description='{type=string, value=For contractors unable to provide financial statements meeting state net worth criteria.}', amount='{type=string, value=$50,000 - $500,000}', premium='{type=string, value=$375}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390632, createdAt=1744198475057, updatedAt=1744198475057, name='{type=string, value=CLB Subcontractor License Bond}', description='{type=string, value=Required for subcontractors with contracts of $2,000 or more with unlicensed contractors.}', amount='{type=string, value=$10,000}', premium='{type=string, value=$100}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390633, createdAt=1744198475058, updatedAt=1744198475058, name='{type=string, value=Coin Operated Amusement Machine Operator Bond}', description='{type=string, value=Necessary for operators of coin-operated amusement machines.}', amount='{type=string, value=$6,000}', premium='{type=string, value=$100}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390634, createdAt=1744198475059, updatedAt=1744198475059, name='{type=string, value=Coin Operated Cigarette Machine Operator’s Bond}', description='{type=string, value=Required for operators of coin-operated cigarette machines to ensure regulatory compliance.}', amount='{type=string, value=$2,000 - $6,000}', premium='{type=string, value=$50}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390635, createdAt=1744198475060, updatedAt=1744198475060, name='{type=string, value=Collection Agency Bond}', description='{type=string, value=Mandatory for entities collecting debts to ensure ethical practices.}', amount='{type=string, value=$10,000 - $25,000}', premium='{type=string, value=$100}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390636, createdAt=1744198475061, updatedAt=1744198475061, name='{type=string, value=Combative Sports Bond}', description='{type=string, value=Required for organizers of combative sports events to ensure adherence to regulations.}', amount='{type=string, value=$20,000}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390637, createdAt=1744198475062, updatedAt=1744198475062, name='{type=string, value=Contractor License Bonds}', description='{type=string, value=Required by the state and some cities for licensed contractors to ensure compliance with building codes.}', amount='{type=string, value=$100 - $500,000}', premium='{type=string, value=$100}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390638, createdAt=1744198475063, updatedAt=1744198475063, name='{type=string, value=CPEO Bonds}', description='{type=string, value=Required for Certified Professional Employer Organizations at the federal level.}', amount='{type=string, value=$50,000 - $1,000,000}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390639, createdAt=1744198475064, updatedAt=1744198475064, name='{type=string, value=Credit Repair Services Organization Bond}', description='{type=string, value=Ensure credit repair companies adhere to state regulations and protect consumers.}', amount='{type=string, value=$10,000}', premium='{type=string, value=$100}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390640, createdAt=1744198475065, updatedAt=1744198475065, name='{type=string, value=DMEPOS (Medicare) Bonds}', description='{type=string, value=Required for suppliers of durable medical equipment participating in Medicare.}', amount='{type=string, value=$50,000 - $1,000,000}', premium='{type=string, value=$275}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390641, createdAt=1744198475066, updatedAt=1744198475066, name='{type=string, value=ERISA Bonds}', description='{type=string, value=Protect employee benefit and retirement plans managed by fiduciaries.}', amount='{type=string, value=$10,000 - $10,000,000}', premium='{type=string, value=$100}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390642, createdAt=1744198475067, updatedAt=1744198475067, name='{type=string, value=Federal Maritime Commission Bonds}', description='{type=string, value=Required for Ocean Transportation Intermediaries by the FMC.}', amount='{type=string, value=$50,000 - $75,000}', premium='{type=string, value=$625}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390643, createdAt=1744198475068, updatedAt=1744198475068, name='{type=string, value=Fish and Game License Agent Bond}', description='{type=string, value=Necessary for agents selling hunting and fishing licenses to ensure proper handling of funds.}', amount='{type=string, value=$1,000}', premium='{type=string, value=$100}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390644, createdAt=1744198475069, updatedAt=1744198475069, name='{type=string, value=Freight Broker Bond (BMC-84)}', description='{type=string, value=Required by the FMCSA for freight brokers and forwarders in the U.S.}', amount='{type=string, value=$75,000}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390645, createdAt=1744198475070, updatedAt=1744198475070, name='{type=string, value=Fuel Tax Bonds}', description='{type=string, value=Required for fuel sellers to maintain licensing under the IFTA.}', amount='{type=string, value=$1,000 - $800,000}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390646, createdAt=1744198475071, updatedAt=1744198475071, name='{type=string, value=H-2A Farm Labor Contractor Bonds}', description='{type=string, value=Required for farm labor employers participating in the H-2A program.}', amount='{type=string, value=$5,000 - $150,000}', premium='{type=string, value=$50}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390647, createdAt=1744198475072, updatedAt=1744198475072, name='{type=string, value=Household Pest and Rodent Control Bond}', description='{type=string, value=Ensure pest control companies comply with state regulations.}', amount='{type=string, value=$50,000 - $100,000}', premium='{type=string, value=$375}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390648, createdAt=1744198475073, updatedAt=1744198475073, name='{type=string, value=HUD Manufactured Housing Installer Bonds}', description='{type=string, value=Required for installers of manufactured housing under HUD guidelines.}', amount='{type=string, value=$10,000 - $100,000}', premium='{type=string, value=$250}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390649, createdAt=1744198475074, updatedAt=1744198475074, name='{type=string, value=Janitorial Cleaning Service Bonds}', description='{type=string, value=Protect clients against employee theft for janitorial services.}', amount='{type=string, value=$10,000 - $100,000}', premium='{type=string, value=$125}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390650, createdAt=1744198475075, updatedAt=1744198475075, name='{type=string, value=Lost Instrument Bonds}', description='{type=string, value=Required before issuing duplicates of lost financial certificates.}', amount='{type=string, value=$50 - $10,000,000}', premium='{type=string, value=$100}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390651, createdAt=1744198475076, updatedAt=1744198475076, name='{type=string, value=Maintenance Bonds}', description='{type=string, value=Protect project owners from damages due to faulty construction post-completion.}', amount='{type=string, value=Varies}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390652, createdAt=1744198475077, updatedAt=1744198475077, name='{type=string, value=Medallion Signature Guarantee (STAMP) Bonds}', description='{type=string, value=Required for participants in the Securities Transfer Agents Medallion Program.}', amount='{type=string, value=$1,000 - $100,000}', premium='{type=string, value=$100}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390653, createdAt=1744198475078, updatedAt=1744198475078, name='{type=string, value=Money Transmitter Bond}', description='{type=string, value=Mandatory for money transmitters to ensure compliance with financial regulations.}', amount='{type=string, value=$50,000 - $300,000}', premium='{type=string, value=$750}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390654, createdAt=1744198475079, updatedAt=1744198475079, name='{type=string, value=Mortgage Broker, Banker, and/or Servicer Bond}', description='{type=string, value=Required for licensed mortgage loan brokers, bankers, or servicers.}', amount='{type=string, value=$100,000 - $200,000}', premium='{type=string, value=$750}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390655, createdAt=1744198475080, updatedAt=1744198475080, name='{type=string, value=New Motor Vehicle Dealer Bond}', description='{type=string, value=Required for dealers selling new vehicles in Arkansas.}', amount='{type=string, value=$25,000 - $50,000}', premium='{type=string, value=$125}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390656, createdAt=1744198475081, updatedAt=1744198475081, name='{type=string, value=New Motorcycle, ATV, Scooter, Utility Vehicle or Lessor Bond}', description='{type=string, value=Required for dealers selling new motorcycles, ATVs, scooters, utility vehicles, or acting as lessors.}', amount='{type=string, value=$25,000}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390657, createdAt=1744198475082, updatedAt=1744198475082, name='{type=string, value=North Little Rock Contractor Bond}', description='{type=string, value=Mandatory for contractors applying for commercial building permits in North Little Rock.}', amount='{type=string, value=$10,000}', premium='{type=string, value=$100}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390658, createdAt=1744198475083, updatedAt=1744198475083, name='{type=string, value=Notary Bond}', description='{type=string, value=Required for individuals who authenticate signatures and administer oaths.}', amount='{type=string, value=$7,500}', premium='{type=string, value=$50}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390659, createdAt=1744198475084, updatedAt=1744198475084, name='{type=string, value=Open-Cut Land Reclamation Bond}', description='{type=string, value=Ensures compliance with land reclamation regulations for open-cut mining operations.}', amount='{type=string, value=$1,000 - $100,000}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390660, createdAt=1744198475085, updatedAt=1744198475085, name='{type=string, value=Oversize and Overweight Hauling Permit Bond}', description='{type=string, value=Required for entities transporting oversize or overweight loads to ensure adherence to permit conditions.}', amount='{type=string, value=$1,000 - $10,000}', premium='{type=string, value=$100}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390661, createdAt=1744198475086, updatedAt=1744198475086, name='{type=string, value=Paid Solicitor Bond}', description='{type=string, value=Necessary for paid solicitors to guarantee ethical fundraising practices.}', amount='{type=string, value=$10,000}', premium='{type=string, value=$150}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390662, createdAt=1744198475087, updatedAt=1744198475087, name='{type=string, value=Payment Bonds}', description='{type=string, value=Ensure contractors pay subcontractors and suppliers, especially on public property projects.}', amount='{type=string, value=Varies}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390663, createdAt=1744198475088, updatedAt=1744198475088, name='{type=string, value=Performance Bonds}', description='{type=string, value=Guarantee completion of contractual obligations, particularly in large public construction projects.}', amount='{type=string, value=Varies}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390664, createdAt=1744198475089, updatedAt=1744198475089, name='{type=string, value=Perpetual Care Cemetery Fidelity Bond}', description='{type=string, value=Ensures proper management of funds for perpetual care cemeteries.}', amount='{type=string, value=$1,000 - $250,000}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390665, createdAt=1744198475090, updatedAt=1744198475090, name='{type=string, value=Private Career Education School Bond}', description='{type=string, value=Required for private career education schools to ensure compliance with state regulations.}', amount='{type=string, value=$5,000 - $100,000}', premium='{type=string, value=$37}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390666, createdAt=1744198475091, updatedAt=1744198475091, name='{type=string, value=Private Employment Agency Bond}', description='{type=string, value=Ensures private employment agencies adhere to state laws and protect clients.}', amount='{type=string, value=$5,000}', premium='{type=string, value=$100}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390667, createdAt=1744198475092, updatedAt=1744198475092, name='{type=string, value=Probate & Estate Bonds}', description='{type=string, value=Required for fiduciaries and estate administrators to ensure fulfillment of legal duties.}', amount='{type=string, value=Varies}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390668, createdAt=1744198475093, updatedAt=1744198475093, name='{type=string, value=Process Server Bond}', description='{type=string, value=Mandatory for individuals serving legal documents to ensure ethical conduct.}', amount='{type=string, value=$10,000}', premium='{type=string, value=$100}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390669, createdAt=1744198475094, updatedAt=1744198475094, name='{type=string, value=Professional Employer Organization Bond}', description='{type=string, value=Required for organizations providing employee leasing services to ensure compliance with regulations.}', amount='{type=string, value=$100,000}', premium='{type=string, value=$1,000}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390670, createdAt=1744198475095, updatedAt=1744198475095, name='{type=string, value=Public Official Bonds}', description='{type=string, value=Ensure public officials perform their duties ethically and in accordance with the law.}', amount='{type=string, value=$1,000 - $2,000,000}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390671, createdAt=1744198475096, updatedAt=1744198475096, name='{type=string, value=Residential Roofing Contractor Bond}', description='{type=string, value=Required for roofing contractors undertaking projects over $2,000 to ensure compliance with standards.}', amount='{type=string, value=$15,000}', premium='{type=string, value=$100}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390672, createdAt=1744198475097, updatedAt=1744198475097, name='{type=string, value=Right of Way Bonds}', description='{type=string, value=Necessary before performing construction work on publicly owned right of ways.}', amount='{type=string, value=$1,000 - $500,000}', premium='{type=string, value=$100}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390673, createdAt=1744198475098, updatedAt=1744198475098, name='{type=string, value=Scholarship Uniform Lottery Bond}', description='{type=string, value=Required for entities selling lottery tickets or using lottery equipment to ensure proper fund management.}', amount='{type=string, value=$1,000 - $100,000}', premium='{type=string, value=$50}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390674, createdAt=1744198475099, updatedAt=1744198475099, name='{type=string, value=State Highway and Transportation Department Contract Bond}', description='{type=string, value=Ensures contractors fulfill obligations on state highway and transportation projects.}', amount='{type=string, value=$1,000 - $100,000}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390675, createdAt=1744198475100, updatedAt=1744198475100, name='{type=string, value=Subdivision Bonds}', description='{type=string, value=Required before initiating construction in subdivisions to ensure completion of public infrastructure.}', amount='{type=string, value=$1,000 - $10,000,000}', premium='{type=string, value=$100}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390676, createdAt=1744198475101, updatedAt=1744198475101, name='{type=string, value=Summer Food Service Program Bond}', description='{type=string, value=Ensures compliance with regulations for providers of summer food services to children.}', amount='{type=string, value=$1,000 - $200,000}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390677, createdAt=1744198475102, updatedAt=1744198475102, name='{type=string, value=Supply Bond}', description='{type=string, value=Guarantees suppliers fulfill contracts to provide materials or supplies.}', amount='{type=string, value=$1,000 - $25,000,000}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390678, createdAt=1744198475103, updatedAt=1744198475103, name='{type=string, value=Surplus Lines Insurance Broker/Producer Bond}', description='{type=string, value=Required for brokers dealing with surplus lines insurance to ensure compliance with state laws.}', amount='{type=string, value=$50,000}', premium='{type=string, value=$250}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390679, createdAt=1744198475104, updatedAt=1744198475104, name='{type=string, value=Third Party Administrator Bond}', description='{type=string, value=Ensures third-party administrators manage funds and claims in accordance with regulations.}', amount='{type=string, value=$25,000}', premium='{type=string, value=$250}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390680, createdAt=1744198475105, updatedAt=1744198475105, name='{type=string, value=Towing and Recovery Bond}', description='{type=string, value=Required for towing and recovery operators to ensure ethical business practices.}', amount='{type=string, value=$50,000}', premium='{type=string, value=$250}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390681, createdAt=1744198475106, updatedAt=1744198475106, name='{type=string, value=TTB Tobacco Bonds}', description='{type=string, value=Mandatory for businesses manufacturing or exporting tobacco products to ensure tax compliance.}', amount='{type=string, value=$100 - $250,000}', premium='{type=string, value=$100}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390682, createdAt=1744198475107, updatedAt=1744198475107, name='{type=string, value=Used Tire Transporter Bond}', description='{type=string, value=Required for transporters of used tires to ensure proper disposal and environmental compliance.}', amount='{type=string, value=$10,000}', premium='{type=string, value=$100}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390683, createdAt=1744198475108, updatedAt=1744198475108, name='{type=string, value=USTOA Indemnity Bonds}', description='{type=string, value=Required for active members of the USTOA $1 Million Travelers Assistance Program to protect consumers.}', amount='{type=string, value=$1,000,000}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390684, createdAt=1744198475109, updatedAt=1744198475109, name='{type=string, value=Utility Bond}', description='{type=string, value=Required by utility companies to ensure timely payment of utility bills by customers.}', amount='{type=string, value=$100 - $100,000}', premium='{type=string, value=$40}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}]