Welcome to Your Hubbard Insurance
Your trusted partner for surety bonds across the United States.
At Your Hubbard Insurance, we specialize in providing fast, reliable, and competitive surety bond solutions tailored to the needs of contractors, businesses, professionals, and individuals nationwide. Whether you’re bidding on construction projects, securing licenses and permits, or fulfilling court and fiduciary requirements, we make the bonding process simple, transparent, and efficient.
Why Choose Your Hubbard Insurance?
- Expertise in Surety Bonds — We focus exclusively on surety bonds, giving us deep knowledge across contract bonds (bid, performance, payment), commercial bonds, license & permit bonds, court bonds, and more.
- Nationwide Coverage — We serve clients in all 50 states with access to top-rated surety markets, ensuring you get the best terms regardless of your location or project size.
- Fast & Flexible Underwriting — Our experienced team works quickly to approve bonds, even for challenging cases, helping you meet deadlines and win opportunities.
- Customer-First Approach — We combine personalized service with modern technology for easy applications, real-time status updates, and ongoing support throughout the life of your bond.
- Competitive Rates — Strong relationships with multiple surety carriers allow us to deliver affordable premiums without compromising on quality or security.
At Your Hubbard Insurance, we understand that a surety bond is more than just a requirement—it’s a commitment to your reputation, reliability, and success. Our mission is to remove the complexity from bonding so you can focus on growing your business with confidence.
Secure your bond today and experience the difference with a dedicated U.S. surety specialist.
Your Hubbard Insurance — Bonding America’s Future, One Commitment at a Time.
Location: 510 Clearwater Loop #100, Post Falls, ID 83854
Meet the Team:
Larry C. Howell – Senior Bond Specialist
Professional Bio
Larry C. Howell is a Senior Bond Specialist at Hubbard Insurance with over 18 years of specialized experience in the surety bond industry. Known for his deep market knowledge and client-first approach, Larry has earned a reputation as one of the most reliable bonding experts in the United States.
Experience & Expertise:
Larry began his career in surety underwriting with a major national carrier before transitioning to brokerage. He holds the prestigious CPCU (Chartered Property Casualty Underwriter) and AFSB (Associate in Fidelity and Surety Bonding) designations. His expertise spans all major bond categories, including:
- Contract Surety (Bid, Performance, and Payment Bonds)
- License & Permit Bonds
- Court & Fiduciary Bonds
- Public Official & Miscellaneous Surety Bonds
He has successfully placed thousands of bonds for contractors, construction companies, developers, professionals, and individuals across all 50 states — from small local projects to multi-million-dollar federal contracts.
Role at Hubbard Insurance:
As Senior Bond Specialist, Larry leads the high-value and complex bond accounts at Hubbard Insurance. He works closely with the underwriting team and maintains strong relationships with multiple A-rated surety carriers, allowing him to secure favorable terms even in difficult situations. Larry also mentors junior team members and helps shape the company’s bonding strategies to better serve clients.
How He Helps Clients:
Larry is passionate about removing the stress and uncertainty from the bonding process. He provides personalized guidance, fast pre-approvals, and creative solutions for clients who face credit challenges, tight deadlines, or unique project requirements. His clients appreciate his clear communication, proactive updates, and ability to cut through red tape so they can focus on winning bids and growing their businesses.
Whether you need a single license bond or a multi-year contract bonding facility, Larry ensures you receive competitive rates, responsive service, and the peace of mind that comes with working with a true surety expert.
Michelle J. Seth – Surety Bond Advisor
Professional Bio
Michelle J. Seth is a dedicated Surety Bond Advisor at Hubbard Insurance with over 12 years of hands-on experience in the surety and insurance industry. She is known for her approachable style, attention to detail, and ability to simplify the bonding process for clients of all sizes.
Experience & Expertise:
Michelle started her career as a surety underwriter for one of the top national surety carriers before joining the brokerage side. She holds the respected AFSB (Associate in Fidelity and Surety Bonding) designation and has extensive knowledge across all major bond types, including:
- License & Permit Bonds
- Contract Surety Bonds (Bid, Performance, and Payment)
- Court, Probate & Fiduciary Bonds
- Miscellaneous and Commercial Surety Bonds
She has assisted hundreds of contractors, small business owners, professionals, and individuals in securing the right bonds efficiently across all 50 states.
Role at Hubbard Insurance:
As a Surety Bond Advisor, Michelle serves as the primary point of contact for many of Hubbard Insurance’s clients. She manages the full lifecycle of bond requests — from initial consultation and application to issuance and renewal. Michelle works closely with the senior bond specialists and carrier underwriters to deliver fast turnaround times and competitive pricing.
How She Helps Clients:
Michelle is passionate about making surety bonds accessible and stress-free. She takes the time to understand each client’s unique situation, explains all options in plain English, and provides personalized recommendations tailored to their needs and budget. Clients especially value her quick response times, proactive communication, and creative problem-solving when dealing with credit issues, tight deadlines, or complex requirements.
Whether you’re a first-time applicant needing a simple license bond or an established contractor looking for a bonding facility, Michelle guides you through every step with clarity and confidence, helping you stay compliant, win opportunities, and grow your business.