Surety Bonds, Handled Fast

What a surety bond is (in one minute)

A surety bond isn't insurance for you — it's a guarantee about you, made to whoever requires the bond. Three parties are involved: your business (the principal), whoever requires the bond (the obligee — a state licensing board, a court, a project owner), and the surety company that backs the guarantee. If you don't hold up your end — unfinished work, unpaid subs, a licensing violation — the obligee claims against the bond, and you reimburse the surety.

In practice, a bond is mostly a piece of paper standing between you and a license, a contract, or a court date. Which is why speed is the whole game: you usually need it now.

The bonds we place every week

• License & permit bonds — contractor license bonds, auto dealer bonds, and the hundreds of state and city bonds required to hold a license. Usually cheap, usually fast — many issue same day.
• Contract bonds — bid, performance, and payment bonds for construction and service contracts, including public jobs that require them by law.
• Court & probate bonds — executor, guardian, and other fiduciary bonds a court orders before you can act.
• Notary bonds — required in many states to hold a notary commission. Small, cheap, quick.
• Fidelity & ERISA bonds — protecting client property or retirement plan assets from dishonesty; ERISA bonds are federally required for most plan sponsors.

What a bond costs

You pay a premium that's a small percentage of the bond amount — not the bond amount itself. Many license, permit, and notary bonds cost a flat $100–$300 per year regardless of credit. Larger or higher-risk bonds (contract bonds especially) are priced on the bond amount, your financials, and credit — commonly 0.5%–3% of the bond amount for qualified applicants. A $25,000 license bond is typically a lunch-money decision, not a budget item.

Bonds and insurance, one roof

Most businesses that need a bond also need a certificate of insurance for the same job — a GC or licensing board rarely asks for just one. Because we're a full commercial agency, we can issue the bond and the COI — and quote the liability or workers' comp behind it — in one conversation instead of three phone calls to three companies.