Why do you ask for the indemnity of the spouse of an applicant when the spouse has nothing to do with the business that requires the bond?

In the event of a claim, we generally look to both the owner’s business assets and the owner’s personal assets for indemnification or reimbursement for the claim and expenses incurred.  An owner typically owns personal assets jointly with their spouse or may transfer personal assets to their spouse; therefore, when requiring personal indemnity from the owner, we also require the indemnity of the owner’s spouse.