Bonds by State

How do Surety Bonds work? [Are they the same as insurance?]

When getting a license, drafting up a contract or replacing a missing vehicle title, you may need to fulfill a Surety Bond requirement. But, what does having a bond mean and how does this type of policy differ from regular insurance?

Put simply, a Surety Bond is a mix of insurance and a line of credit. This type of policy is a contract between 3 parties.

The Obligee – This is the entity (typically the state) requiring the principal (you) to get a Surety Bond.

The Principal – The party responsible for securing a bond to submit to the obligee.

The Surety – The surety company that issues the bond to the principal.

Unlike traditional insurance, the Surety Bond serves as protection for your clients, not for you. In the event you fail to uphold your end of a contract or perform your duties unethically, a claim can be made against your bond.

The surety company will investigate any claims made against your bond. If a claim is found to be valid, they will payout up to the full bond amount to the claimant. As the principal of the bond, it is your duty to make the surety whole again if the claimant receives money for a valid claim.

The obligee enforces the Surety Bond requirement to ensure the principal performs their job duties ethically and honestly. Also, by requiring a Surety Bond, the obligee faces less risk of being financially liable for the principal’s actions.

Choose your state below to get started:


Surety Solutions, A Gallagher Company is licensed to issue Surety Bond in all 50 states.

Which type of bond to get [And what amount is needed]

We have found the best way to determine the type of bond and bond amount one needs is to confirm with the obligee. The entity requiring you to be bonded should be able to provide you with a copy of the bond form. This ensures we quote and issue you the correct bond type to fulfill your requirement with the obligee.

There are thousands of different types of Surety Bonds available.

Below are the most common types of Surety Bond we issue for our clients.

Did you buy a car from someone, but never got the title?

Maybe you did receive a title from the seller but misplaced it before registering your vehicle.

Fortunately, most states allow the option to get a bonded title for vehicles with missing titles.

A Surety Bond will do you no good if your vehicle isn’t eligible for a bonded title. We recommend contacting your local DMV to verify your vehicle’s eligibility before buying a Surety Bond.

Our Certificate of Lost Title Bonds start at $100 and do not need to be renewed after expiration.

Please note, this bond type is unable to be canceled or refunded.

Get quotes for a Certificate of Title Bond.

Many states require contractors to obtain a Surety Bond before they can receive their license. This requirement is to ensure you fulfill your project agreements with your clients and you don’t perform inferior work.

We strongly recommend requesting a copy of the bond form from the obligee before requesting a quote. This is due to many cities and counties having their own individual form. We want to be sure we use the correct form when quoting and issuing your bond.

Get quotes for a Contractor License Bond.

These types of bonds serve as your guarantee to properly complete a project on time and on budget. A few different types of bonds fall under this category.

  • Bid Bonds
  • Maintenance Bonds
  • Payment Bonds
  • Performance Bonds
  • Warranty Bonds

Get quotes for a Contract Bond.

Have you been ordered by the court to get a Surety Bond?

We issue both Judicial Bonds and Fiduciary Bonds. Let us know the type of court bond you need to get a quote.

Judicial Bonds:

  • Attachment Bond
  • Discharge of Mechanic’s Lien Bond
  • Indemnity to Sheriff Bond
  • Injunction Bond
  • Replevin Bond

Fiduciary Bonds:

  • Guardianship Bond
  • Probate Bond
  • Trustee Bond

Get quotes for a Court Bond.

Fidelity Bonds operate differently than a true Surety Bond product. Some of the fidelity policies are in place to protect the principal. When requesting a quote, make sure the type of Fidelity Bond you choose meets your business needs.

Business Service Bond / Janitorial Bond – Protects your clients in the event your employee steals from them.

Employee Dishonesty Bond / Commercial Crime Fidelity Bond – Protects you and your business when an employee steals from you.

ERISA Bond – The U.S. Department of Labor requires administrators of employee benefit and pension plans to secure an ERISA Bond in an amount of at least 10% of the total plan funds or $1,000, whichever is more.

Get quotes for a Fidelity Bond.

Freight brokers and freight carriers must purchase a $75,000 Freight Broker Surety Bond to receive their license from the Federal Motor Carrier Safety Administration (FMCSA). We offer this bond starting as low as $938.

Get quotes for a Freight Broker Bond.

Many states require mortgage loan originators and loan officers to secure a Surety Bond before receiving their license or permit. If you are unsure of your mortgage license requirements, we recommend the Nationwide Mortgage Licensing System & Registry (NMLS) website as a great resource.

Get quotes for a Mortgage Bond.

A surety Bond is part of most state dealer license requirements. The necessary bond amount varies depending on the state and type of vehicles you’re selling. In most states, selling vehicles without a license is illegal.

Get quotes for a Motor Vehicle Dealer Bond.

Notary Publics in some states are required to have a Surety Bond. Many of our Notary Bonds start at $50 for a 4-year term and include errors & omissions (E&O) coverage.

Get quotes for a Noarty Bond.

Travel agents operating in the following states must purchase a Surety Bond prior to receiving their license.

  • California
  • Florida
  • Hawaii
  • Illinois
  • Iowa
  • Washington

Get quotes for a Seller of Travel Bond.

How much does a Surety Bond cost?

The majority of our Surety Bonds start as low as $100. However, when creating a quote for your bond, the risk associated with your bond is considered. The size of your bond (bond amount) is factored into your cost. so, a higher premium is to be expected with a larger bond amount.

Some bond types require a credit check prior to the applicant receiving a formal quote. If this is the case for your bond, please note we only perform a soft pull when reviewing a credit score. Fortunately, a soft pull doesn’t adversely affect a credit score. Expect to pay between 1-5% of the bond amount, if approved with good credit.

Have bad credit? [We can help!]

Having bad credit doesn’t necessarily mean you won’t get approved for a Surety Bond. In fact, many bond types don’t even require a credit check.

If you need a bond requiring a credit check but have bad credit, we can work with our surety partners to seek approval for your bond application. Approved applicants with non-standard credit typically receive quotes between 5-15% of the bond amount.

Is a Surety Bond refundable?

There are many reasons why the principal may no longer need their Surety Bond before it expires. As a few examples, your court case might be exonerated, your dealership may close down or the car you bought isn’t eligible for a bonded title. In any of these situations, you’re left with a Surety Bond you no longer need. Unfortunately, Surety Bonds are not always refundable.

When purchasing a Surety Bond, the bond is usually considered “fully earned” within its first term. Meaning, a refund or partial refund cannot be issued unless your bond is in its second term or later.

We recommend reviewing the policy information to determine if you are able to cancel and receive a refund for your bond prior to making a purchase. Reach out to one of our agents if you have any questions about your bond’s eligibility for a refund.

Why get quotes with Surety Solutions, A Gallagher Company

We are fluent in Surety Bonds. After you purchase your bond, we sign, seal and stamp the bond right from our office. If your bonds need to be mailed to you, we will ship it for free via regular USPS mail. Need your bond sooner? No problem. You can add expedited shipping to your order for a small additional fee at checkout.

See what our clients are saying about us on Google:

Easiest system to use and, by far, the fastest company with providing E&O and Surety bond insurance. HIGHLY recommend!
Mortgage H.
Mortgage H.
20:51 02 Mar 22
Surety Solutions goes above and beyond their duty to make their customer feel confident that they are choosing the right company. Jessi Wimer personally helped me through the process. She was very informative and made sure that every concern I had was dealt with in the most professional and efficient way. Thank you for your hard work!
Chris L.
Chris L.
17:07 08 Feb 22
Excellent service; they exceeded my expectations in timeliness and professionalism.
Bridgette M. B.
Bridgette M. B.
23:24 10 Dec 21
Client services provided quick and accurate responses.
James G.
James G.
17:49 30 Nov 21
Very helpful and they respond quickly to any questions.
Eva Hammel H.
Eva Hammel H.
16:46 30 Nov 21
Katrina Fearn, Client Service Manager at Surety, is an absolute pleasure to work with!! She is always highly responsive, and has provided me nothing but excellent service since our first interaction. I highly recommend working with her and the Surety team. They will always go above and beyond. Thank you for all that you've done!
Zakieh A.
Zakieh A.
16:38 04 Nov 21
I have been working with Steve Shike and he has been so helpful. I purchased the wrong bond and Steve instantly requested a refund on my behalf and called back with the good news. I appreciate him for helping me figure out my situation in such a timely matter. Thank you Steve for responding to my calls and emails promptly.
Ashley W.
Ashley W.
18:25 10 Aug 21
Gerry J.
Gerry J.
16:30 08 Aug 21
Katrina and Surety Solutions was awesome to work with and made the process seamless. Even after I, PERSONALLY, made a mistake and caused a delay, Katrina was able to spot my mistake and kindly address the error while still delivering my bond as if nothing had happened.I have nothing but good things to say about Surety Solutions.
Xavier A.
Xavier A.
15:40 22 Jul 21
jerry T.
jerry T.
04:44 03 Jul 21
Katrina and Surety Solutions were very helpful and fast. I needed to change the bond I ordered and they handled that within minutes. Their response time to emails and request were great and that is why I will continue to work them both. All I ask for is relatively decent response time when there are issues that need resolved and Katrina far exceeded that and was friendly on top of everything else. Well done.Kris
Kristopher M.
Kristopher M.
14:23 24 Jun 21
Grace answered the phone immediately with a positive attitude and willingness to help. She followed through professionally and promptly through entire process.
Danny S.
Danny S.
14:41 15 Jun 21
Surety Solutions has been the most amazing and easiest company to work with on Bonds in my past 17 years of doing insurance. They are very quick to respond and very personal to work with. Jake Durrant is absolutely the best!
Bonnie A.
Bonnie A.
20:39 20 May 21
Suzie T.
Suzie T.
17:14 07 May 21
Easy experience.
Tonya B.
Tonya B.
01:18 21 Apr 21
I had the pleasure of working with Katrina Fearn to obtain mortgage broker surety bonds and I can say with zero hesitation, that she is wonderful to work with. Extremely responsive, communicative and helpful. Surety Solutions + Katrina = Great Partnership. Thanks!!!
Ryan M.
Ryan M.
20:18 19 Apr 21
Can't say enough good things about Katrina Fearn, she was exceptionally prompt, responsive and a true professional in getting me the bond in a timely manner. Just amazing customer service.
Umesh M.
Umesh M.
23:34 07 Apr 21
I needed a copy of my bond and with people working form home I thought is was going to take a long time. I got an email with the copy of my bond with in minutes. Never seen anything like that. Very Professional and fast response. thank you for good business ethic
Ernesto U.
Ernesto U.
19:08 10 Feb 21
Just obtained Mortgage Broker Surety Bond for two states. not only the price was right but service and professionalism exceeded my expectations. i can't thank Steve enough and wish i knew them sooner.
Ruslan K.
Ruslan K.
22:43 08 Jan 21
I bought a surety bond for my business. The name on the application has my middle name on it and the policy didn't. That would or could have created a problem. I wrote to customer service to complain. Well not complain but ask for it to be changed. Since it was Thanksgiving weekend I wasn't expecting to hear back till this week sometime. Well to my surprise it was "Very" Quickly. JD was very helpful and professional. Fixed it then contacted me with the corrected version. Couldn't be happier. " Good Business is Good Business"
05:17 01 Dec 20
01:46 04 Nov 20
Amazing customer service and friendly and informative reps.
Obsesion H.
Obsesion H.
04:45 26 Oct 20
Surety solutions handled my request for a Guardianship Bond professionally, with great care and provided great value to my family. Of all of the insurance companies I contacted for my need, Surety Solutions was by far the most responsive, courteous and knowledgeable. I very much appreciate their fine service!!
Irena S.
Irena S.
03:00 25 Sep 20
The entire staff from Jake to Katrina were more than professional and bent over backwards to meet mine and The State of California's requirements
Kirk G.
Kirk G.
19:10 23 Jun 20
This process could not have been easier! Mr. Chipman sent me an email link and I just followed the steps. I highly recommend Mr. Beau Chipman to anyone who needs this service.
Sharon H.
Sharon H.
23:29 28 Apr 20

Have a question? We look forward to assisting you with your Surety Bond needs! Contact us here, send an email to or call our office at (866) 722-9239. Our team makes getting a Surety Bond easy.

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