Missouri Heat & Frost Insulators Local 1 bonds.
$1,200 at $30,000.
A contractor who signs a collective bargaining agreement with the International Association of Heat & Frost Insulators and Allied Workers Local No. 1 in St. Louis posts a wage and fringe bond securing the wages and fringe contributions the agreement requires. Local No. 1 sizes it by headcount; ours is $1,200 at $30,000, and higher amounts are available.
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How much does a Missouri Heat & Frost Insulators Local 1 bond cost?
$1,200 at the $30,000 amount, the same for every applicant.
Three steps. One sitting.
A wage and fringe bond is about the simplest thing in surety. Here's the entire process:
Apply online
Your company details, the bond amount Local No. 1 requires of you, and an effective date, plus a one-time consent to a soft credit pull. No financials, no follow-up scavenger hunt.
Pay & e-sign
Wage and fringe bonds like this are among the thousands of bond types that issue right after purchase. Issued when you pay. One soft credit pull, never a hard inquiry, and it never affects your score.
File with Local No. 1
Your executed bond and power of attorney arrive by email, ready to file with the union or its trust fund office so your signatory status is on record. Wet-ink original mailed on request.
What it is and who needs it.
What the wage & fringe bond actually guarantees
The International Association of Heat & Frost Insulators and Allied Workers Local No. 1 is the founding local of the international union, representing insulation, asbestos-abatement, and firestopping workers across the greater St. Louis area. A contractor who signs the local's collective bargaining agreement agrees to pay covered wages and to make contributions to the union's health, welfare, pension, and related trust funds on behalf of the insulators it employs.
Local No. 1 does not require the same figure from every employer. The penal sum is banded by the number of employees you put on covered work — $30,000 is the usual requirement for a small crew, and a larger workforce is bonded at a higher sum. Confirm the figure with Local No. 1 or its trust fund office before you apply, then enter it on the application: our carrier writes the bond at the amount the local requires of you.
The wage and fringe bond is Local No. 1's financial backstop for that promise. It's a three-party arrangement — you (the principal), our carrier, and Local No. 1 or its trust funds (the obligee) — protecting union members and the funds, not the contractor. If a signatory contractor fails to remit wages or fringe contributions the agreement requires, the union or a trust fund can make a claim against the bond up to its penal amount.
It is not insurance for you — if the surety pays a claim, you repay the surety. This is not a government-mandated bond; no Missouri statute requires it. It is a private condition of doing signatory work with Local No. 1, and the bond must stay on file for as long as your signatory status is active.
You need this bond if you're
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 $30,000 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; a longer term is the same price per year, chosen at checkout.
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
File with Local No. 1. Your executed bond and power of attorney arrive by email, ready to file with the union or its trust fund office so your signatory status is on record. Wet-ink original mailed on request.
What sets the price
The premium is fixed at $1,200 at the $30,000 amount for every applicant: the carrier’s rate book prices this bond by the form, not by your credit or 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, issued instantly.
These are the actual issuing fields, including the bond amount and a one-time consent to a soft credit pull. The pull never affects your score, and at the $30,000 amount the premium is $1,200.
Start the application →Common questions.
Other Missouri bonds.
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Signatory status, bonded today.
$1,200 at the $30,000 amount, soft pull only, bond often issued in the same sitting. Free until issued.