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Arkansas Surety Bonds

Seamless surety bond solutions at the best available rate. Get expert guidance for your business or project with a quick, free quote.

Contact Us for a Free Surety Bonds Quote

It’s easy with our simple 3-step process:

  1. Apply Online
  2. Get Quote
  3. Receive Bond

Arkansas requires surety bonds for contractors, auto dealers, mortgage brokers, notaries, and dozens of other licensed professions. If you’re applying for a state license or permit, a surety bond Arkansas businesses need is likely part of the process — get a free quote online or by phone and we’ll have your bond ready the same day.

Most Common Arkansas Surety Bonds

These are the bond types most frequently required in Arkansas:

Bond Type

Who Needs It

Required By

Bond Amount

Surety Bond Price Range

Auto Dealer Bond Used vehicle dealers Arkansas State Police $25,000 (Arkansas Department of Public Safety) Starts around $250; estimate up to $2,500/year depending on credit
Notary Bond Notaries seeking commission Arkansas Secretary of State $7,500 (Arkansas Secretary of State) About $35–$50 for the 10-year term
Contractor License Bond Commercial contractors and registered subcontractors Arkansas Contractors Licensing Board $10,000 (Arkansas Labor and Licensing) About $100–$1,000/year depending on credit and bond type
Mortgage Broker Bond Mortgage brokers, mortgage bankers, and mortgage servicers Arkansas Securities Department $100,000 minimum; can rise to $150,000 or $200,000 based on loan volume (Code of Arkansas Rules) About $600–$10,000/year for a $100,000 bond, depending on provider and underwriting
Freight Broker Bond (BMC-84) Freight brokers operating in Arkansas FMCSA $75,000 (FMCSA) Starts around $938/year; estimate up to $7,500/year depending on underwriting

This list covers the most common types. If you don’t see yours, call us — we bond professionals across all Arkansas-regulated industries.

costs

How Much Does a Surety Bond Cost in Arkansas?

You pay a premium — a percentage of the bond amount, not the full amount. Your rate depends on three factors: credit score, bond amount, and bond type. Most Arkansas license bonds run 1%–3% annually for applicants with solid credit.

Credit Score Premium Rate Example: $25,000 Bond
Excellent (720+) 1%–2% $250–$500/year
Good (660–719) 2%–3% $500–$750/year
Fair (600–659) 3%–5% $750–$1,250/year
Challenged (<600) 5%–15% $1,250–$3,750/year

Construction bonds — bid, performance, payment — require financial review and are priced separately. Contact us for a custom quote.

Arkansas Surety Bond Requirements: What ACLB and AID Require

Surety bond requirements in Arkansas are set at both the state and federal level:

  • Arkansas Contractors Licensing Board (ACLB) — requires a $10,000 contractor bond for projects over $20,000. See aclb.arkansas.gov for current requirements.
  • Arkansas Insurance Department — oversees bond filings for insurance-related professions. See insurance.arkansas.gov.
  • Renewal — most Arkansas surety bonds renew annually. A lapsed bond means an automatic license suspension until a new bond is filed.
  • Cancellation — most Arkansas bonds require 30 days advance notice before cancellation. The obligee must be notified.
  • Claims — any harmed party — consumer, agency, or contractor — can file a claim. The surety pays valid claims up to the bond amount; you’re liable for reimbursement.
step by step guide

How to Get a Surety Bond in Arkansas

  • 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.

  • Submit a Quick Application

    Complete a short online form. It only takes a few minutes, with no extra paperwork or long verification steps.

  • Get Approved & Receive Your Bond

    Get fast approval and receive your bond instantly by email. Your document is ready to use right away.

Most Arkansas license bonds are processed the same day. Here’s how it works:

  1. Identify your bond type and amount — check your license application or call the requiring agency.
  2. Apply online or by phone — a short application with a soft credit pull that won’t affect your score.
  3. Review your quote — we shop top carriers and send you the lowest available rate.
  4. Pay and receive your bond — electronic delivery, same business day for most license bonds.
  5. File with the obligee — submit your bond to the agency that required it; we’ll confirm the format they accept.
faq

Arkansas Surety Bond FAQ

Can I get a surety bond in Arkansas with bad credit?

Yes. Applicants with scores below 600 typically qualify at 5%–15% of the bond amount through specialty surety markets. A $25,000 bond with challenged credit runs $1,250–$3,750 per year. We work with applicants who have prior bankruptcies and tax liens. Call us and we’ll tell you the rate upfront before you commit.

How long does it take to get bonded in Arkansas?

Standard license bonds — auto dealer, notary, contractor — are issued the same business day in most cases. Construction bonds require underwriting and take 3–5 business days. If you have a filing deadline, tell us when you call and we’ll prioritize your application.

What happens if my Arkansas surety bond lapses?

Your license is suspended immediately. There’s no grace period with most Arkansas agencies. You can’t legally operate until a new bond is filed and accepted. To avoid this, set a renewal reminder 60 days before your bond expires.

Do out-of-state businesses need an Arkansas surety bond?

Yes. If you’re operating, contracting, or selling in Arkansas — regardless of where your business is incorporated — Arkansas still requires you to carry a state bond. We’re licensed in all 50 states and issue Arkansas bonds for out-of-state businesses regularly.

location search

Choose Bond by States

We proudly serve all 50 states, offering a full range of surety bonds. To buy surety bonds online:

  1. Choose your state
  2. Choose the bond type you need
  3. Apply online to request a free quote

There’s no obligation, and we can often help you get bonded in 24 hours or less.

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.

Exceptional Service

Our experienced surety bond agents provide personalized assistance to help you understand your bonding requirements and options.

Call us Today!

And get a free consultation.

866-362-6637
who we work with

Our Insurance Company Partners Nationwide

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Testimonials

What our customers say about us

Super easy process. I found the bond I needed in minutes and received the approved document the same day. Great experience overall.

Emily R., Business Owner
Contractor

The application was fast, the support team was responsive, and the pricing was clear. Very smooth and professional. Everything was explained clearly, and I appreciated how quickly I received my bond.

Jason M., Contractor
Small Business Owner

Super easy process. I found the bond I needed in minutes and received the approved document the same day. Great experience overall.

Emily R., Business Owner
Oberman & Oberman

The application was fast, the support team was responsive, and the pricing was clear. Very smooth and professional. Everything was explained clearly, and I appreciated how quickly I received my bond.

Jason M., Contractor
Oberman & Oberman

Request a Quote

Request an online quote today! Or speak with one of our knowledgeable surety bond agents about the commercial bonds you are interested in.

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