What is a surety bond rider and what does it cost?

As your business grows, it’s not uncommon for things to change. Your company may change from a sole proprietorship to an LLC. Others may need to relocate to a bigger office to accommodate additional employees. But what do you need to do to ensure the information on your active surety bond is up-to-date and correct?

Fortunately, you don’t need to reapply and purchase a new bond. You only need to contact your surety provider and request a rider to reflect the changes to your business.

What is a rider?

A rider is a change or amendment that applies to your original surety bond. This is the only method to make a change to your bond without having to purchase a brand new one.

Some common reasons a rider is necessary include:

  • • Correcting a mistake made on the surety bond application

  • • Change in the business information on the bond (such as a new name or address)

  • • New law or regulation requiring an increase in the bond amount or term length

Certain information on my bond is incorrect or outdated. Do I need a rider?

Yes, you will need a rider if your active bond has outdated or incorrect information. Your bond is a legally binding contract, so please contact us immediately if any changes need to be made.

How to update a surety bond
A rider functions as an amendment to your original Surety Bond.

Obligees require the information on your bond form to be completely accurate. A simple typo, such as a missing comma or an improperly capitalized letter, could result in your bond being rejected. To ensure that your bond is applied to your business or license as soon as possible, it’s crucial to enter your information on the application exactly as it should appear on the bond.

If there is an error on your bond, however, a rider can correct any of the following information:

  • • Bond Amount

  • • Bond Term

  • • Business Address

  • • Business Name

  • • Business Type (LLC, Corp., Sole Proprietor, etc.)

  • • Principal Name

How much does a surety bond rider cost? [Why do you charge a fee?]

Our rider fee is $35. This fee covers any changes you need to make to your bond. However, if your request alters the risk associated with the bond by increasing the bond amount or bond term, you may need to pay additional premium with the rider fee.

Our rider fee is for the administrative services our team performs to issue the changes to your policy. Remember that the information you submit will be entered on your bond exactly as is. To prevent the need for a rider, double-check that all the information on your bond application is accurate and typo-free before submission.

How do I request a rider?

If you purchased your Surety Bond through Surety Solutions, A Gallagher Company and require changes to your bond, our team can assist you by issuing a rider. Please fill out and submit your rider request using our contact form below. Include your bond number and the changes you need made.

Once we receive your rider request, a member of our team will contact you to verify your changes and provide instructions on how to make your rider fee payment (including any additional premium if applicable). The rider will not be issued until after we receive payment confirmation.

Please note we are unable to issue a rider if your bond was purchased through another surety provider.

If you have any questions, please send us an email to [email protected] or call our office at 866.722.9239.

Helpful Resources:

About Surety Solutions, A Gallagher Company

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Beau Chipman

Beau is the Marketing Content Developer at Surety Solutions, A Gallagher Company. He creates content about all types of surety bonds, including mortgage, court, lost title, contractor, fidelity, ERISA and many more.

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