St. Louis laborers wage & welfare bonds.
From $1,000.
A contractor signatory to a Greater St. Louis Construction Laborers collective bargaining agreement must maintain a surety bond guaranteeing wages, fringe benefits, and trust-fund contributions owed under that agreement. This is a private contractual requirement, not a state statute. Premiums cost 4% of the bond amount, $1,000 minimum.
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How much does a St. Louis laborers wage & welfare bond cost?
4% of the bond amount, from $1,000. Enter your amount in the calculator for the exact price.
Three steps. One sitting.
No long underwriting queue for the standard wage-and-welfare bond — enter your amount, consent to a soft pull, and furnish evidence to the Union. Here is the whole thing:
Apply online
Your company details, the bond amount your agreement requires, the effective date, and a one-time consent to a soft credit pull.
Approved
Most applications clear quickly — the soft pull informs approval and never affects your score. Pricing is 4% of the bond amount, $1,000 minimum.
Furnish it to the Benefit Office
Your executed bond and power of attorney arrive by email, ready to furnish to the St. Louis Laborers’ Benefit Office as evidence of coverage. Wet-ink originals mailed on request.
What it is and who needs it.
What the wage & welfare bond actually guarantees
A contractor that signs a Greater St. Louis Construction Laborers collective bargaining agreement — administered through the St. Louis Laborers’ Benefit Office — agrees to pay its laborers according to the agreement’s wage scale and to remit contributions to affiliated trust funds — the Greater St. Louis Construction Laborers’ Welfare Fund, the Construction Laborers’ Pension Trust of Greater St. Louis, and related vacation and training funds — for every hour a covered employee works. The agreement requires the signatory employer to secure and maintain a surety bond guaranteeing payment of those wages, fringes, and contributions, and to furnish the Union evidence that the bond is procured and kept in force.
It is a private, contractual security — not a Missouri statute or a state licensing requirement. Three parties are involved: the contractor (the principal), the surety, and the Union or its affiliated benefit funds (the obligee) on behalf of the covered laborers. If a signatory contractor falls behind on wages or fund contributions, the Union or trust fund can make a claim against the bond to recover what is owed — and if the surety pays, the contractor repays the surety.
Bond amounts vary by which collective bargaining agreement applies to your work: residential-construction agreements administered through the St. Louis Laborers’ Benefit Office have set a $5,000 minimum, while commercial agreements have required $10,000 and up, scaled by the number of laborers employed. Some employer classes or agreement addenda can waive or vary the requirement (for example, membership in good standing with a recognized builders’ association). Confirm the exact amount, and whether your agreement carries a waiver, with your local’s benefit office before applying — we size and price whatever figure your agreement requires, from a $1,000 minimum, after a soft credit pull that never affects your score.
You need this bond if you are
Claims, renewal, filing, and what sets the price.
If a claim is made
A claim comes from the party the bond protects, the obligee named on the form, when the duty the bond guarantees is not met.
The surety investigates and pays a valid claim, up to the bond amount. You then repay the surety: a surety bond is a guarantee of your performance, not insurance for you.
Renewal and term
The premium covers a one-year term from the effective date you choose.
Renew before the expiry date to keep the bond in force: the license, permit or contract it backs expects continuous coverage.
How to file it
Furnish it to the Benefit Office. Your executed bond and power of attorney arrive by email, ready to furnish to the St. Louis Laborers’ Benefit Office as evidence of coverage. Wet-ink originals mailed on request.
What sets the price
The premium is 4% of the bond amount, $1,000 minimum: the amount the obligee sets moves the price, not your business profile.
One soft credit pull, never a hard inquiry, and it never affects your score.
Where a check runs, it decides approval; the rate is the same for everyone approved.
One application, then a quick review.
Submit the application with the bond amount your agreement requires. Most applications clear quickly; if a check ever runs, it is a soft pull that will not touch your score.
Start the application →Common questions.
Other Missouri bonds.
Price and requirements checked on the carrier’s application, . Page updated .
Get your CBA bond on file today.
Priced at 4% of the amount, $1,000 minimum. Enter what your agreement requires and furnish it to the Benefit Office the same day.