Assess Your Cash Flow with a Financial Stress Test
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Logo: Travelers.
Text: Financial Stress Test. Construction workers on the roof of a building under construction.
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SPEAKER: The right relationship can facilitate the conversations you need to see around corners.
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Travelers' surety experts use our financial stress test to help inform your bidding strategy in the context of your overall business.
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We use real project data to model project cash flow and its effect on the overall financial health of your business.
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Three people wearing safety vests, helmets and glasses point as they speak inside of a building being constructed at sunrise. Text: Project Selection, Cash Management, Financial Risk Management.
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This can help you with better project selection, cash management and financial risk management insight to help your business succeed.
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Two men in safety vests and hard hats shake hands over a table. Two people look at a graph on a laptop.
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Seeing your cash flow through time could affect your decision about the selection of a project and its alignment with your business goals.
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A crane swings over a bridge support column. A man wearing a safety vest taps a tablet as the sun sets behind him. A group of managers wearing safety vests and helmets chat on a construction site.
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With Travelers Construction Surety, great relationships are made with a combination of the right people and the right services.
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Our financial stress test is just one more way Travelers Construction Surety takes relationships beyond the bond. Talk to a Travelers Construction Surety agent today. Visit travelers dot com slash construction surety.
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Logo: Travelers. Text: Travelers Casualty and Surety Company of America and its property casualty affiliates. One Tower Square, Hartford, Connecticut, 06183.
This material does not amend, or otherwise affect, the provisions or coverages of any insurance policy or bond issued by Travelers. It is not a representation that coverage does or does not exist for any particular claim or loss under any such policy or bond. Coverage depends on the facts and circumstances involved in the claim or loss, all applicable policy or bond provisions, and any applicable law. The services referenced herein are provided for risk management purposes relating to Travelers potential bond and/or insurance exposure and are not intended as any form of legal advice. Travelers assumes no liability to any party for damages arising out of or in connection with the services. Customers are encouraged to seek advice from their own attorney or professional advisor prior to implementing any recommendations or suggestions provided by Travelers. Copyright 2026 The Travelers Indemnity Company. All rights reserved. Travelers and the Travelers Umbrella logo are registered trademarks of The Travelers Indemnity Company in the U.S. and other countries.
Cash flow can be one of the biggest challenges for contractors. Large projects fuel growth, but they also can cause a cash-flow crunch. A Financial Stress Test can be a powerful way to help gain perspective on your future cash-flow risks before committing to new projects. The conversation with an agent and a surety underwriter can help a contractor evaluate scenarios to make strategic business decisions.
Here's what you need to know about Travelers’ Financial Stress Test.
What is a Financial Stress Test?
A Financial Stress Test is an analysis of scenarios impacting cash flow using a specific set of data to identify risks to a contractor’s business. The goal is to offer insight through a conversation that can help a contractor decide about pursuing new projects so they can grow in a sustainable way and avoid missteps.
Travelers’ surety underwriters can help contractors anticipate future cash-flow needs and understand the potential risk they would be accepting.
The type of complex analysis included in a Financial Stress Test aims to mitigate future issues before they occur. In turn, it can help improve the financial health of the construction company.
How does a Financial Stress Test work?
A Financial Stress Test considers a company’s work in progress, key financial metrics and past performance. It uses detailed underwriting data combined with real project data. This includes a balance sheet and an income statement to calculate cash-flow projections based on the existing backlog of work.
A Financial Stress Test incorporates variables to illustrate how projections can evolve. The variables can include:
- Payment terms
- Retainage
- Material and equipment purchases
- Slow receivables
- Profit fades or gains
Think of a Financial Stress Test as a type of preparedness planning. It can help a contractor avoid being blindsided by risks that could occur down the road.
That’s where the value of the right relationship with your surety bond provider brings a great benefit. Having the 'outside-in' perspective, a partner who will ask the right questions, and tools to help evaluate a range of outcomes can help improve decision-making. The goal is to help contractors thoroughly evaluate the risk of that next big opportunity so that they can grow their business with confidence.
Jacob Fulmer, Chief Underwriting Officer, National Accounts
Leverage your surety bond provider relationship beyond the bond
With Travelers Construction Surety, the right people and the right services create great relationships.
If you’re ready to go beyond the bond, call your Travelers agent for more details on Travelers’ value-added services and discover how they can help your business succeed.
