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Cautions

Aujourd'hui, le marché concurrentiel requiert la certitude de promesses contractuelles, une attention constante portée à la réduction des coûts et l'augmentation du fonds de roulement. Nos spécialistes fournissent aux entreprises des services innovants de conseil en matière de cautionnement pour soutenir leurs objectifs de résilience et de croissance.

Pour mener leurs activités, les entreprises ont besoin de garanties pour leurs contrats et autres obligations financières. Les garanties de cautionnement, y compris les solutions bancaires, offrent l'avantage de libérer de l'argent ou de préserver la capacité bancaire, et peuvent entraîner des économies substantielles par rapport aux lettres de crédit bancaires. 

L'équipe de Marsh dédiée composée d'experts en matière de cautionnement à l'international peut aider les entreprises à mettre en œuvre des stratégies et des solutions pour libérer leur capacité de crédit et atténuer les risques financiers. 

Nous nous appuyons sur notre expertise pratique du secteur ainsi que sur notre expérience pour développer des solutions de cautionnement uniques dans différents secteurs et zones géographiques. Nous soutenons également votre entreprise en lui permettant de générer une croissance rentable en allant au-delà de votre bilan et en explorant des solutions sur mesure basées sur vos actifs sous-jacents.

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Global network of around 320 surety specialists

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clients around the world with deep industry knowledge in all major industries

FAQs

Surety bonds are guarantees issued by an insurance company on behalf of a firm in favor of a beneficiary. They are used to guarantee completion of a project or the supply of a good or service.

The most common beneficiaries of surety bonds are government entities, for example, in relation to a road project financed by a government using taxpayer funds. Such entities may also include taxation authorities, customs authorities, courthouses, and environmental protection agencies.

In the private sector, a beneficiary is the party serving as the employer, project owner, or buyer of construction projects or manufactured products.

Surety bonds also can be used as a (permissible) payment guarantee and are either regulatory or commercial/contractual in nature.

Those that are regulatory in nature include:

  • Bonds required by government in connection with a construction project, i.e., roads, airports, harbors, or rail.
  • Bonds required of importers in favor of a customs authority to guarantee payment of taxes and duties.
  • Bonds required for the proper care of public lands when extracting or exploiting natural resources.
  • Payment bonds connected with legal disputes with a government over a tax assessment.
  • Litigation bonds covering the appeal of fines, penalties, or damages arising out of legal disputes for unfair market competition.

Non-regulatory bonds are issued as contract or payment security to support contractual or payment obligations. The surety acts as a third-party guarantee.

Surety is the insurance sector equivalent of a bank guarantee (i.e., letter of credit). However, surety can help generate additional liquidity for banks and corporations – and the market overall. It plays an important role with capital relief and preserving valuable liquidity resources, especially during volatile economic times.

Surety allows a business to participate in contracts that require third-party contingent collateral. It can also help improve a business’s liquidity position, as surety bonds sit off the balance sheet, and therefore do not use lending facilities. Surety can further improve liquidity positions as bonds can be posted in lieu of capital payments.

Many businesses make use of surety, including, for example:

  • Construction
  • Energy and power
  • Food and beverage
  • Retail
  • Manufacturing
  • Communications, media, and technology
  • Financial institutions
  • Mining

Marsh Morocco S.A. au capital de 1 500 000 DHS - Intermédiaire d'assurance régi par la Loi N°17-99 portant code des assurances. Autorisation du Ministère des Finances N° C1430CD2023138 du 21 février 2023