CMRCC wage & welfare bonds.
4% of the bond amount.

The Central Midwest Regional Council of Carpenters (CMRCC) requires signatory sole proprietor and partnership contractors — those who have not incorporated or formed an LLC — to post a wage and welfare bond guaranteeing union-scale wages and contributions to the council's fringe benefit funds. This is a private requirement of CMRCC's collective bargaining agreement, not an Indiana statute. Premiums cost 4% of the bond amount, $100 minimum. Enter the amount your signatory agreement requires and your exact price appears at the application.

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Required of sole proprietor and partnership contractors signing the CMRCC collective bargaining agreement

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Guarantees union-scale wages and fringe benefit fund contributions — health & welfare, pension, and apprenticeship training

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From $100, priced at 4% of the bond amount — enter your required figure and see your price at application

From $1004% of the bond amount, $100 minimumSoft pullnever affects your scoreFastinstant underwriting for most

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How it works

Apply to filed in one sitting.

No long underwriting queue for the standard wage and welfare bond — enter your amount, consent to a soft pull, and file with the council. Here is the whole thing:

TODAY · ONLINE

Apply online

Your business details as a sole proprietor or partnership, the bond amount your CMRCC agreement requires, and the effective date — plus a one-time consent to a soft credit pull.

FAST REVIEW

Approved

Most wage and welfare bonds clear quickly. The application includes a credit consent, but it authorizes a soft pull only — a soft inquiry that never affects your score. Larger amounts may get a brief review.

SAME DAY

File with the council

Your executed bond and power of attorney arrive by email, ready to file with CMRCC so your signatory status stays current. Wet-ink originals mailed on request.

About this bond

What it is and who needs it.

What the wage & welfare bond actually guarantees

The Central Midwest Regional Council of Carpenters is the Indiana-headquartered affiliate of the United Brotherhood of Carpenters and Joiners of America, representing more than 35,000 tradespeople across dozens of locals in Indiana, Ohio, and Kentucky. Contractors who sign the council's collective bargaining agreement — including sole proprietors and partnerships that have not incorporated — agree to pay union-scale wages and remit contributions to CMRCC's fringe benefit funds: health & welfare, pension, and apprenticeship training.

The wage and welfare bond backs those obligations. It is a three-party arrangement: you (the principal), the surety carrier, and CMRCC and its benefit funds (the obligee / protected parties). If a signatory contractor fails to pay covered wages or remit fund contributions, the council and its funds can recover against the bond.

It is not insurance for you — if the surety pays a claim, you repay the surety. This is a private contractual requirement of the collective bargaining agreement, not an Indiana statute, so the amount is set per contractor by the council rather than a fixed public figure. Enter the amount your signatory agreement calls for; premiums price at 4% of that amount, $100 minimum, and the application includes a credit consent that authorizes a soft pull only.

Central Midwest Regional Council of Carpenters — collective bargaining agreementThis bond is required by the Central Midwest Regional Council of Carpenters as a condition of a sole proprietor or partnership contractor's signatory status under its collective bargaining agreement, guaranteeing payment of union wages and fringe benefit fund contributions. It is a private union requirement, not an Indiana statute. Confirm the required bond amount and filing form directly with CMRCC or its benefit funds administrator.

You need this bond if you are

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A sole proprietor or partnership signing the CBA with the Central Midwest Regional Council of Carpenters

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Employing CMRCC carpenters and required to bond your wage and welfare obligations without a corporate entity

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Renewing your signatory status with a wage and welfare bond that is expiring

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Bidding union carpentry work that conditions the job on this bond

One application, then a quick review.

Submit the application with the bond amount your CMRCC agreement requires. Most clear quickly; larger amounts may get a brief underwriter review, usually within 48 hours.

Start the application →

FAQ

Common questions.

How much is the CMRCC wage and welfare bond?Premiums cost 4% of the bond amount, with a $100 minimum. The amount itself is set by the Central Midwest Regional Council of Carpenters per contractor under its collective bargaining agreement — there is no single fixed figure. Enter the amount your signatory agreement requires and your exact price appears at the application.

Do sole proprietors and partnerships need a different bond than an LLC?Yes — CMRCC issues a separate bond form for unincorporated signatory contractors (sole proprietors and partnerships) than it does for LLCs and corporations. This page is the sole proprietor / partnership form; if you've since incorporated, use the LLC or Corporation bond instead.

What does the bond guarantee?That you pay union-scale wages and remit contributions to CMRCC's benefit funds — health & welfare, pension, and apprenticeship training. If you fall short, the council and its funds can claim against the bond, and if the surety pays, you repay the surety.

Is there a credit check?The application includes a credit consent, but it authorizes a soft pull only — a soft inquiry that never affects your score. No hard inquiry ever runs on this bond. Larger bond amounts may get a brief underwriter review.

Where do I file it?With the Central Midwest Regional Council of Carpenters directly, or its benefit funds administrator, as part of your signatory contractor paperwork. Your executed bond and power of attorney arrive by email, ready to file — wet-ink originals mailed on request.

Related bonds

Other Indiana bonds.

CMRCC signatory status waiting on one bond.

Premiums from $100, priced at 4% of the bond amount. Enter your required figure and file with the council the same day.

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