The bond insurance is its raison d’etre when one party to a contract requires the counterparty a security blinde compliance with its obligations. A simple way to obtain this guarantee insurance contracts at issue, because if the obligor defaults, the insurer is responsible for compensation arising from the breach, within agreed limits. It is a widely used to secure the signing of contracts with the government. Despite being similar to a cr insurance, the basic difference between them is that, if bond insurance is the debtor who hires (and pays) the insurance, figuring his cror as beneficiary. Returning to the example of the public sector, the policy would be the general contractor contract and the insured or beneficiary Public Administration contracting.The main advantage of this type of guarantee is that, unlike other formulas, such as bank guarantee, does not involve heavy losses on the disposal of assets: enough to pay the insurance premium to be legally covered at all effects. Now, take the insured to be indemnified by the insurer, the policyholder is obliged to return the amounts he had been paid.