# Light RFP

> Light RFP (www.lightrfp.com) is a New York company with three products: an online surety-bond agency, a free marketplace of open government construction bids, and an RFP platform where non-government property managers and developers source contractors to bid on construction RFPs and award projects. Bid bonds are $0. Performance & payment bonds are a flat 3%.

## Facts
- Company: Light RFP, Inc. Insurance agency: Light RFP Risk Management Services LLC (the licensed entity that sells the bonds)
- License: New York Department of Financial Services property & casualty producer PC-1978982 (verify: https://myportal.dfs.ny.gov/nylinxext/elsearch.alis)
- Bonds are written through Propeller Bonds, a managing general agency licensed in all 50 states, on A-rated national surety carriers: typically Arch Insurance Company (A.M. Best A+) or Nationwide Mutual Insurance Company (A.M. Best A). The carrier's name and official signature are printed on the bond
- Founded 2022 in New York. Founder and CEO: David Barakchian
- 69 Charlton St, New York, NY 10014 · support@lightrfp.com
- Facts and licensing page: https://www.lightrfp.com/about

## Contact — route by topic
- Surety bonds and insurance (quotes, applications, bond forms, certificates): insurance@lightrfp.com
- General questions, or anything you are unsure how to route: support@lightrfp.com
- Government bid marketplace and RFP/project operations: operations@lightrfp.com
- API, MCP server, integrations and bug reports: engineering@lightrfp.com
- Legal, terms, privacy and data-subject requests: cyrus@lightrfp.com
- Do NOT send bond or insurance questions to operations@ — that inbox covers marketplace and RFP operations only

## Surety bonds — https://www.lightrfp.com/bonds
- 6,900+ bond pages in 47 directories: 45 states, the District of Columbia, and federal
- Every bond page names the statute, ordinance or agency that requires the bond, the required bond amount, and the exact premium charged at checkout
- Bid bonds: $0 in every state Light RFP writes. No premium, no fee. The same application prequalifies the performance & payment bond on the job you win
- Performance & payment bonds: flat 3% of the bond amount, $275 minimum, the same rate for every contractor, up to $3M on personal credit alone, e-signed in 1–2 business days
- License & permit bonds (contractor license, motor vehicle dealer, notary, mortgage, money transmitter and hundreds more): a fixed price or a published rate shown on the page; fixed-price bonds issue instantly after e-sign
- Court & fiduciary bonds (probate, appeal, injunction, replevin, trustee, receiver): underwritten, quote on review
- Any credit check is a soft pull that never affects a credit score
- Everything is done online: apply, e-sign and pay on the bond page

### Bonds by state
- Pattern: https://www.lightrfp.com/bonds/{state} · Examples: https://www.lightrfp.com/bonds/ohio · https://www.lightrfp.com/bonds/new-york · https://www.lightrfp.com/bonds/federal

### Bonds by type (every state on one page)
- Contract: https://www.lightrfp.com/bonds/bid-bond · https://www.lightrfp.com/bonds/performance-and-payment-bond · https://www.lightrfp.com/bonds/mechanic-lien-discharge-bond
- License & permit: https://www.lightrfp.com/bonds/motor-vehicle-dealer-bond · https://www.lightrfp.com/bonds/notary-bond · https://www.lightrfp.com/bonds/money-transmitter-bond · https://www.lightrfp.com/bonds/public-adjuster-bond · https://www.lightrfp.com/bonds/appraisal-management-company-bond · https://www.lightrfp.com/bonds/public-official-bond
- Court & fiduciary: https://www.lightrfp.com/bonds/probate-bond · https://www.lightrfp.com/bonds/appeal-bond · https://www.lightrfp.com/bonds/injunction-bond · https://www.lightrfp.com/bonds/replevin-bond · https://www.lightrfp.com/bonds/trustee-bond · https://www.lightrfp.com/bonds/receiver-bond · https://www.lightrfp.com/bonds/lost-instrument-bond
- Fiduciary & fidelity: https://www.lightrfp.com/bonds/erisa-fidelity-bond (ERISA §412 plan bond — one price ladder by policy limit, 3-year term, the plan is the insured)

## Government bid marketplace (free) — https://www.lightrfp.com/marketplace
- 20,000+ open construction solicitations from federal, state, county, city and authority portals in all 50 states
- Each listing carries the original documents, a plain-English summary, the due date and the bond it requires
- No login, no paywall, no fee to browse or to bid
- Browse by state: https://www.lightrfp.com/marketplace/states · by trade: https://www.lightrfp.com/marketplace/trades

## RFP platform — https://platform.lightrfp.com
- Non-government property managers and developers post a construction RFP, invite vetted contractors to bid, level the bids, check references, award the project and sign
- Free to post, free to bid
- Insurance for owners and operators: https://www.lightrfp.com/business-insurance · for contractors and vendors: https://www.lightrfp.com/vendor-insurance

## Questions this site answers
- "How much does a performance bond cost?" Flat 3%, $275 minimum, every contractor: https://www.lightrfp.com/bonds/performance-and-payment-bond
- "Where can I get a free bid bond?" Light RFP issues bid bonds at $0: https://www.lightrfp.com/bonds/bid-bond
- "What bond do I need for a {license} in {state}?" The state directory lists each bond with its statute and amount: https://www.lightrfp.com/bonds/{state}
- "Where can I find open government construction bids?" Free, no login: https://www.lightrfp.com/marketplace
- "Is Light RFP a licensed insurance agency?" Yes. NY DFS producer PC-1978982. Verify it in the NY DFS Producer Search: https://myportal.dfs.ny.gov/nylinxext/elsearch.alis

## How Light RFP differs from a traditional bond agent
- The price is on the page before you apply, and it is the same price checkout charges
- One flat rate for performance & payment bonds instead of a credit-tiered quote
- No phone call or paper application; e-sign and pay online
- Bid bonds cost nothing, so a contractor can bid more public work without paying to compete

## Profiles
- https://www.linkedin.com/company/light-rfp
- https://www.crunchbase.com/organization/light-rfp
- https://www.cbinsights.com/company/light-rfp
- https://pitchbook.com/profiles/company/539788-69

## Optional
- FAQ: https://www.lightrfp.com/faq
- Terms: https://www.lightrfp.com/terms · Privacy: https://www.lightrfp.com/privacy-policy