Commercial bonds safeguard consumers from a business’s illegal or improper conduct. There are many federal, state, and local requirements for businesses to obtain surety bonds in order to op. Commercial bonds safeguard consumers from a business’s illegal or improper conduct. There are many federal, state, and local requirements for businesses to obtain surety bonds in order to op
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Our Insurance Company Partners Nationwide
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Explore Bonds by Category
We are pleased to offer a full range of surety bonds. Learn more by browsing our category pages. If you need a particular bond but don’t see it on our site, don’t worry—we can likely provide it. Simply contact us for assistance:
Commercial Bonds
License & Permit Bonds
States and local agencies will often require businesses to obtain a surety bond as part of the licensing process. These are known as license and permit bonds. These bonds provide protection for co. States and local agencies will often require businesses to obtain a surety bond as part of the licensing process. These are known as license and permit bonds. These bonds provide protection for co
Court Bonds
There are several instances in which a court will require an individual to obtain a surety bond. The most common scenarios where a court bond is required include the appeal process and t. There are several instances in which a court will require an individual to obtain a surety bond. The most common scenarios where a court bond is required include the appeal process and t.
Construction Bonds
Construction bonds are often required to ensure that the contractor will meet all specs, terms, and conditions of a contractual agreement. Many of these bonds are required by fed. Construction bonds are often required to ensure that the contractor will meet all specs, terms, and conditions of a contractual agreement. Many of these bonds are required by fed.
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Choose Bond by States
We proudly serve all 50 states, offering a full range of surety bonds. To buy surety bonds online:
- Choose your state
- Choose the bond type you need
- Apply online to request a free quote
There’s no obligation, and we can often help you get bonded in 24 hours or less.
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surety bond process
How to Get a Surety Bond?
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Choose Your Bond Type
Select the bond you need — commercial, contract, or any specialized bond. We help you find exactly what is required in your state.
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Submit a Quick Application
Complete a short online form. It only takes a few minutes, with no extra paperwork or long verification steps.
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Get Approved & Receive Your Bond
Get fast approval and receive your bond instantly by email. Your document is ready to use right away.
main reasons
Why Work With Us?
Easy Application Process
Simply fill out our convenient online application form to get started.
Extensive Carrier Network
We work with a wide range of carriers to provide many options to our clients.
Competitive Rates
As an independent agency, we can leverage our carrier network to find the most competitive rates for the bonds you need.
Quick Turnarounds
We work to get you bonded as quickly as possible, often in 24 hours or less.
30 Years of Proven Experience
With 30 years in the surety bond industry, our licensed agents know exactly how to match you with the right bond, fast and hassle-free.
faq
Frequently Asked Questions About Surety Bonds
What does a surety bond company do?
A surety bond company connects you with a surety that financially guarantees you’ll meet a legal or contractual obligation. If you fail to comply, the surety pays the claim up to the bond amount, and you reimburse the surety. It is not insurance for you — it protects the obligee.
Is Surety Bonds Agent a legitimate surety bond company?
Yes. We are a licensed surety bond agency working with a wide carrier network across all 50 states, matching you with a competitive rate for your exact bond type instead of a single insurer’s one-size offer.
How Do Surety Bonds Work?
Think of it as a triangle: someone requires the bond, you get the bond, and a company backs it financially. There are three parties involved in every surety bond:
- The Obligee
The obligee is the party that requires the bond (typically a federal, state, or local agency). - The Principal
The principal is the party that is purchasing the bond (i.e., you or your business). - The Surety
The surety is the company that is providing the bond (i.e., your bonding company).
You will pay a monthly premium to maintain your bond, which is a percentage of the total bond amount required by the obligee. In the event of a claim, the surety will pay the claim on your behalf up to the total bond amount, and you will then be obligated to reimburse the surety.
Who will actually handle my bond application?
Surety Bonds Agent is an independent agency founded by John Foreman and Patrick Condon, with 30 years of combined experience. The team also includes Elaena Whitman (25 years as an independent agent, specializing in commercial insurance) and Ben Hebel (construction bond underwriting specialist). You work with a licensed, named agent — not an automated system.
How much does a surety bond cost?
Your premium is a small percentage of the bond amount — typically 0.5% to 10%, depending on the bond type and your credit. Better credit means a lower rate.
For example: a court bond runs as low as 0.5%–1%, so a $10,000 court bond could cost just $50–$100/year. But a contractor license bond of $20,000 can range from $200/year with excellent credit (675+) to $2,000/year or more with bad credit (599 or below) — the same bond amount, a 10x difference in price, purely based on risk.
Since every applicant’s profile is different, the only way to know your exact premium is to get a quote.
Can I get a surety bond with bad credit?
Yes, it is possible to obtain a bond with poor credit, but you may pay a higher premium. The best way to find out how much a surety bond will cost is to simply request a quote.
Is a surety bond the same as insurance?
No. A surety bond is a three-party guarantee, not insurance for the buyer. The surety pays the obligee if you don’t meet your obligation, and you must then reimburse the surety in full — unlike insurance, which typically doesn’t require repayment.
How fast can I get a surety bond?
Most applicants get approved and receive their bond by email within 24 hours or less once the online application and any required documents are complete. Bonds needing extra underwriting for weak credit may take a few extra days. Surety Bonds Agent partners with leading national surety carriers, who provide the financial backing behind every bond issued.
What happens if a claim is filed against my bond?
If a claim is filed, the surety doesn’t pay it automatically — it first investigates to determine whether the claim is valid, since, according to the Surety & Fidelity Association of America, “only in rare circumstances is a default crystal clear.” The surety will acknowledge the claim, request documentation, and give you (the principal) the chance to respond with your side before making a decision.
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