We Provide professional Insurance Services

Performance Bonds

A performance bond is a financial guarantee that ensures a contractor will complete a project according to the agreed terms and standards. It protects the project owner from financial loss if the contractor fails to fulfill their obligations.

Construction Guarantees

A construction guarantee is a financial assurance provided to project owners that a contractor will meet their contractual obligations. It protects against risks such as non-performance, delays, or defects during the construction process.

Bid Bonds

A bid bond is a guarantee that assures the project owner a contractor will honor their bid and, if awarded the contract, will proceed with the work. It protects against the risk of the winning bidder backing out or failing to provide required performance guarantees.

Specialized Insurance Experts in Construction Guarantees & Bonds


Your Trusted Partner in Construction Insurance & Financial Guarantees

At Frog  Financial  Services, we are specialized insurance experts offering a full suite of guarantee and bonding solutions tailored to the construction industry. Whether you're a contractor bidding on a tender or a developer seeking financial protection, we provide the right construction guarantees, insurance, and financial instruments to safeguard your project at every stage.


✅ Our Guarantee & Bonding Solutions

1. Performance Bond

Secure your contractual obligations with a performance bond that protects project owners from financial loss if a contractor fails to perform.

2. Performance Guarantee

Our performance guarantees ensure your commitment to completing projects as per contract terms, offering peace of mind to project stakeholders.

3. Advance Payment Guarantee

Receive upfront payments with confidence. Our advance payment guarantees protect your client’s funds while you mobilize your project.

4. Bid Bond

Submit competitive tenders backed by our bid bonds, which demonstrate your financial credibility and commitment to the project.

5. Payment Bond

Protect subcontractors and suppliers from non-payment risks with our reliable payment bond solutions.

6. Retention Guarantee

Replace withheld retention money with a retention guarantee, improving your cash flow while maintaining trust with project owners.

7. Payment Guarantee

Our payment guarantees secure your financial obligations, ensuring all parties in a project are paid according to terms.


🏗️ Construction Insurance Tailored to You

We offer comprehensive construction insurance products that protect contractors, developers, and project owners from a wide range of risks:

  • Tender Insurance – Support your tendering process with cover that reduces financial exposure.
  • Insurance for Construction Companies – Custom-built policies for contractors, sub-contractors, and developers.
  • Construction Guarantee JBCC – Guarantees issued in accordance with JBCC contractual requirements.
  • Variable Construction Guarantee – Flexible guarantee structures that adapt to your project’s risk profile.

💳 Financial Instruments We Offer

SBLC – Standby Letter of Credit

We facilitate SBLCs (Standby Letters of Credit) as a secure financial instrument for both domestic and international projects.

Bank Guarantee

Gain financial assurance with a bank guarantee that supports your contractual and payment obligations.

Insurance Guarantee

We offer insurance-backed guarantees as a flexible alternative to bank guarantees, often with less collateral required.


🏆 Why Choose Us?

  • Specialized in Construction: Deep understanding of the construction industry and its unique risks.
  • Fast Turnaround: Quick issuance of guarantees and bonds to meet project deadlines.
  • Flexible Terms: Custom solutions, including variable guarantees and tailored insurance packages.
  • Trusted Providers: Strong relationships with top insurers and financial institutions.
  • Compliant Solutions: Full alignment with JBCC and other major contract frameworks.

📞 Get Your Guarantee or Bond Today

Whether you need a performance bond, a construction insurance policy, or a standby letter of credit, we have the expertise to help you succeed. Contact our team today to discuss your project requirements.

Meet Our Professional Team Members

Lawrence Harvery, Founder of Frog Financial Services
Lawrence Harvey
Director/Founder
Lawrence Harvey

Director/Founder

At Frog Financial Services, we specialize in providing tailored insurance solutions, construction guarantees, and financial instruments that support the success of contractors, developers, and project owners.

Founded by Lawrence Harvey, a young and energetic entrepreneur with a passion for empowering businesses, our company brings fresh thinking, speed, and reliability to an industry that demands precision and trust. Lawrence's vision is to simplify the complex world of construction insurance and guarantees—while delivering expert service with a personal touch.

With deep industry knowledge and a forward-thinking approach, we’re proud to be the trusted partner for businesses seeking dependable, specialized insurance support.