License and Permit Bonds: Compare Options
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If a licensing or permit authority has told you to post a license or permit bond — whether you run a construction or home-service trade or a state-regulated business like an auto dealership or a freight brokerage — buy it from whichever route can issue the exact bond form and amount your authority accepts. Not whichever website ranks first, and not whichever shows the lowest percentage. Before comparing providers at all, retrieve the official requirement: the bond's name or form number, the amount, the obligee, your exact legal name, the term, and the filing method. Requirements are set state by state and often city by city — there is no national license bond, and no amount that applies everywhere. With the official requirement in hand, four shopping routes cover most situations: a broad online surety agency, a large surety producer, a direct surety company, and a specialist multi-market agency. If you do not yet have the official requirement — or the form is unusual, local, or missing from a provider's catalog — the correct choice today is no provider yet.
Scope. Commercial license and permit bonds: the construction and home-service trades licensed by a state board or registered with a city — general contractors, handymen, painters, landscapers, electricians, plumbers, HVAC and roofing contractors — plus the state-regulated non-construction licenses that use the same bond category, such as motor vehicle dealers, collection agencies, alarm installers, freight brokers, and notaries. Not the bid, performance, and payment bonds used on construction contracts, which are a different product bought for a different reason. Cover My Trade is an independent editorial publisher, written and maintained by the Cover My Trade editorial team. We hold no insurance producer or surety license, we do not issue, sell, bind, place, or certify bonds, and nothing on this page determines whether a particular bond satisfies your law, license, or permit.
On this page:
- If you have a bond deadline this week
- Get the exact bond requirement before you compare
- What a license or permit bond does and does not do
- Bond requirements by state and license class
- How we compared the bond-shopping routes
- Best-fit profiles for the shortlisted routes
- What current price evidence can and cannot tell you
- From quote to filing, renewal, and claims
- When to pause or use a surety specialist
- Frequently asked questions
If you have a bond deadline this week
The shortest correct route is three steps, in this order. Skipping the first is what turns a rush into a missed deadline, because a wrong bond has to be reissued and refiled from the beginning.
- Get the requirement in writing, today. Download the authority's current bond form and its written filing instructions. If it was given to you verbally, ask for it in writing before you pay anyone.
- Confirm four fields before you request a single quote: the exact official form or form number, the bond amount, your exact legal entity name, and the filing method.
- Quote that exact bond only. A standardized bond in a provider's catalog can often be issued quickly once those four fields are fixed. Nothing can be issued quickly against a guess.
Three things that must not be got wrong:
- Your legal name, letter for letter. It must match what the authority has on file, not your trading name. Name mismatch is one of the most common reasons a filed bond comes back.
- The bond amount and the form version. Amounts are set by your license class, not by your trade in general, and many authorities accept only their own current form.
- The filing method — including whether an original is required. If your authority needs a wet signature, a seal, or a power of attorney on paper, no upload substitutes for it, and you have to build mailing time into your deadline.
What can and cannot be compressed. Quoting and issuance for a standardized bond can move fast. Underwriting cannot be rushed if the bond requires credit or financial review. Filing cannot be rushed at all, because the authority controls it: filing is complete when the authority says it is, not when the provider's confirmation email arrives. If your deadline is inside a week and your requirement is still unconfirmed, the honest answer is that confirming it is the fastest path available to you.
Where to start, by situation. Every pick below is an option to request a quote from — never a promise of approval, price, availability, or acceptance by your authority.
- Best for a common, standardized bond you already have the official form for, bought through a large searchable catalog with digital delivery options: SuretyBonds.com — an online surety agency.
- Best for a buyer who wants a broad producer with online quote tools and published cost education: JW Surety Bonds — a surety producer / agency.
- Best for a bond that appears in the issuer's own online catalog, bought directly from the company that stands behind it: Colonial Surety Company — a direct surety company.
- Best for an applicant who expects underwriting questions or has credit concerns: Bryant Surety Bonds — a multi-market surety agency.
- Best for an unusual or local form, a rejected bond, or a requirement no catalog can confirm: an independent surety specialist found through NASBP's Surety Pro Locator — a neutral directory, not a quote provider.
- Confirm the requirement first if any of those four fields is still unknown — start with the requirement gate below.
Between the two routes most first-time buyers actually shortlist: choose an online agency or producer if your requirement is standardized and you want to shop several surety markets in one place; choose a direct surety company if your exact bond is listed in its own catalog and you prefer dealing with the issuer itself. Whichever route you take, the decisive tests never change: exact match to the official form and amount, who actually issues the bond, the total full-term cost with every fee visible, and whether your authority will accept the bond as filed.
Get the exact bond requirement before you compare
The government agency, licensing body, or permit office requiring the bond — the obligee — controls everything that matters: whether a bond is required at all, which form it must use, the amount, whose name must appear on it, and how it must be filed. A provider's category page, however large its catalog, does not. The single most expensive mistake in this market is buying quickly against a guessed requirement: the fastest wrong bond is still wrong, and correcting a name, form, or amount after issuance can mean a rider, a replacement bond, or a rejected filing at your deadline.
Collect every field on this card from the authority's current application, statute, ordinance, or official bond form before you request any quote:
| Field group | What to record |
|---|---|
| Bond identity | Official bond name, form number, license or permit class, and the governing authority. |
| Financial amount | The required bond amount (penal sum). Never infer it from another trade or another jurisdiction. |
| Parties | Your exact legal name and entity type as the principal; the obligee's exact legal name and address. |
| Timing | Effective date, term, continuous or renewable status, and the filing deadline. |
| Execution | Required signatures, seal, notarization, power of attorney, and whether an original or electronic bond is required. |
| Filing | The authority's current method — portal, direct e-file, upload, mail, or in person — and what counts as proof of acceptance. |
| Maintenance | How riders and corrections are handled, renewal evidence, cancellation notice, and how the authority is notified. |
| What this bond does not do for you | It does not protect your business, does not pay your losses, does not replace liability insurance, and does not survive a paid claim without your reimbursement. |
Once the card is complete, the decisive comparison criteria are: exact match to the official form and amount; the provider's role and the identity of the issuing surety; whether the bond is actually available for your state and license class; total cost for the full term including taxes, fees, shipping, and filing; what underwriting will ask of you; delivery and filing method; how corrections and riders are handled; renewal terms; and your claim and indemnity obligations. Those criteria — not a displayed percentage — separate the routes compared below.
A few compact examples show why the exact requirement can't be guessed. A contractor license bond, an auto dealer bond, a notary bond, and a local permit bond all sit in the same commercial surety category — yet each answers to a different obligee, on a different official form, in a different amount, under different filing rules, and the same trade can face different requirements two counties apart. None of these examples means your trade needs that bond; they mean your authority's current paperwork is the only reliable description of yours. To see how a bond requirement sits alongside a trade's insurance needs in practice, handyman insurance and bond requirements walks through one trade's full picture.
How to find the authority that requires your bond
Work down this list and stop at the first branch that matches how the requirement reached you. The branch tells you who to ask, and asking the right office is what turns a vague instruction into a form you can actually buy against.
- A state trade or contractor license you are applying for or renewing → your state's contractor licensing board, registrar, or department of labor. In most states one agency sets both the license classes and the bond schedule, and publishes its own bond form. Start at the state table below.
- A local permit, a city business license, or a right-of-way or sign permit → the city or county clerk, building department, or business licensing office for the jurisdiction where the work happens — not the state. Local bond amounts commonly differ between neighboring cities, and the local form is often the one no online catalog carries.
- A state-regulated activity that is not a construction trade — motor vehicle dealing, collection, alarm installation, freight broking, notarial acts — → the state agency or board that regulates that specific activity. The license application itself normally names the bond and the amount.
- A contract, award letter, or bid package → the document that first named the bond, and the party that issued it. Read it before assuming it is a license bond at all: contract requirements often mean bid, performance, or payment bonds, which are a different product entirely.
- A verbal instruction from an inspector, clerk, or general contractor → not something you can buy against yet. Ask for the written requirement, the form, and the amount. A bond bought on a verbal description is the one most likely to be rejected at filing.
If you cannot identify the authority at all, that is itself the answer for today: do not buy. A surety specialist can help you identify an unusual obligee, and NASBP's Surety Pro Locator is a neutral way to find one.
Treat one warning as standing throughout: a provider's online confirmation screen is not proof that your authority has accepted the bond, and a bond is not business insurance.
What a license or permit bond does and does not do
A license or permit bond is a three-party guarantee, and the direction of protection surprises most first-time buyers. Per the National Association of Surety Bond Producers, the parties are:
| Party | Plain-language role |
|---|---|
| Principal | The person or business whose obligation is bonded — you. You apply and pay the premium. |
| Obligee | The authority or other party requiring the bond and receiving the guarantee. |
| Surety | The company that issues the bond and guarantees the bonded obligation, subject to the bond's terms. |
| Producer / agency | May help place or service the bond. It is not necessarily the issuing surety. |
Who can actually claim against your bond is usually wider than "the authority." The bond form and the governing statute set the claimant classes, and they routinely include people you would not expect. California's contractor bond is filed for the benefit of consumers damaged by defective construction or other license law violations, and for employees who have not been paid wages due to them. Washington's contractor bond reaches unpaid employee wages, amounts owed to material suppliers and equipment lessors, breach of contract including incomplete or defective work, and state taxes. Anyone inside those classes can start a claim — and a valid claim the surety pays is the one you reimburse. Read your own bond form for the list that applies to you, because it is the list of people who can reach your indemnity agreement.
License and permit bonds belong to the commercial surety category: they are tied to a governmental license or permit, and they differ from the bid, performance, and payment bonds used on construction contracts. (A fidelity or employee-dishonesty bond is a different product again — it addresses employee theft, and it will not satisfy a license or permit bond requirement.) The bond generally protects the obligee and the public against your failure to meet the bonded obligation — it is not first-party protection for your business. Liability insurance addresses covered losses to you as the insured under a policy; the bond guarantees your compliance to someone else. In every case, the exact bond form, the indemnity agreement, and the policy wording control.
Two consequences follow. First, if the surety pays a valid claim on your bond, the indemnity agreement you signed at purchase typically requires you to reimburse the surety. These agreements are commonly uncapped, commonly reach the personal assets of the owners, and in some cases require a spouse's signature — have a construction or surety attorney review the final wording before you sign, because this is the document that defines your personal and business exposure. Second, a license, a permit, a bond, an insurance policy, an endorsement, and a certificate of insurance are separate documents doing separate jobs. If a client or venue asks whether you're "licensed, bonded and insured," each word is a different item of proof — the full breakdown lives in our business license vs bond vs insurance explainer, what a certificate of insurance proves covers the COI side, and a bond never replaces general liability insurance or vice versa.
Who actually issues your bond
The market blurs a distinction that matters at transaction time: who issues and bears the bond versus who sells it to you. Role labels used across this page follow this taxonomy:
| Role | Who issues and bears the bond | What the role changes for you |
|---|---|---|
| Direct surety company (carrier) | The company itself — it underwrites, issues, and stands behind the bond. | One catalog, issuer-set pricing, issuer-run quote, delivery, and claims path. |
| MGA / program administrator | An appointed surety behind the program; the administrator underwrites and issues on its behalf. | Program rules govern eligibility and pricing; confirm which surety's name is on the bond. |
| Broker / agency (surety producer) | One of several appointed sureties; the agency places and services the bond. | Multi-market shopping and support, but the issuing surety varies per transaction — always confirm it. |
| Marketplace / directory | No one — it routes you to producers or issuers. | Useful for finding help; it does not quote, issue, price, or service the bond. |
We state a specific provider's role only where its own current first-party documentation supports it; anywhere it does not, this page says "Role not verified" rather than guessing.
Bond requirements by state and license class
Which bonding structure your state uses
Bond requirements for the construction trades follow one of five structures, and knowing which one your state uses tells you who to ask before you look at any amount:
- Statewide licensing with a published bond schedule. One state agency licenses contractors and sets the bond, usually by license class and sometimes by anticipated volume of work. California, Oregon, Washington, and Arizona all work this way.
- Statewide licensing where the amount is set individually at approval. Every licensee is bonded, but there is no published figure to look up in advance because the board fixes yours case by case. Nevada works this way.
- Statewide licensing with no general license bond. The state licenses contractors and tests their financial standing, but the test is satisfied without filing a bond. Florida works this way now, which matters because bonds are still widely marketed to Florida contractors.
- State trade boards with local general-contractor rules. The state licenses specific trades — electrical, plumbing, HVAC — while general contracting is registered and bonded at city or county level. Texas is the largest example: general contractors are not licensed at state level, and bond requirements come from municipalities.
- Local licensing. No statewide contractor license at all; the city or county sets licensing, bonding, and permit rules. New York works this way, and New York City's program is the one most contractors in that state meet.
In the last three structures, the office that can answer your question is not a state contractor board. That is the single most common reason a contractor cannot find their own requirement.
Verified bond requirements in eight jurisdictions
What this table covers. The rows below are the eight jurisdictions whose contractor bond requirements we verified against the governing authority's own current pages as of August 7, 2026. Forty-three jurisdictions are missing from it, and we would rather label that gap than fill it with rows we have not opened. If your state is not listed, use how to find the authority above to reach the office that sets your requirement — that routing works for every state and every license class, including the ones below.
| Jurisdiction | Authority (your obligee) | How the bond amount is set | What the authority requires of the bond itself | Source · verified |
|---|---|---|---|---|
| California | Contractors State License Board (CSLB) | California requires a $25,000 contractor license bond, raised by SB 607 effective January 1, 2023. A separate $25,000 bond of qualifying individual applies where the license is qualified by a Responsible Managing Employee, or by a Responsible Managing Officer who owns less than 10% of the corporation's voting stock; an RMO at 10% or more files an exemption certification instead, and each qualifier on a multi-qualifier license complies separately. Contractors licensed as an LLC must additionally file a $100,000 LLC employee/worker bond under B&P 7071.6.5 — for issuance, reissuance, reinstatement, reactivation, and renewal — for the benefit of employees damaged by unpaid wages, interest on wages, or fringe benefits. | California requires a surety licensed through the California Department of Insurance. Business name, license number, and qualifier's name must match CSLB records exactly. Attorney-General-approved form, signed by the surety's attorney-in-fact, received at CSLB headquarters within 90 days of the effective date. | CSLB bond requirements · CSLB LLC licenses · 2026-08-07 |
| Oregon | Construction Contractors Board (CCB) | Oregon sets the amount by license endorsement, with separate residential and commercial schedules. All minimum amounts were increased by $5,000 under House Bill 2922, effective January 1, 2024 — a residential general contractor's bond under ORS 701.068 is $25,000 after that increase. Confirm your own endorsement's current figure on the CCB schedule, because each endorsement carries its own. | Oregon requires a CCB bond form; no other form is accepted. Issued in the exact entity name registered with the Corporation Division, with sole proprietors showing their full legal name including middle name. Surety must be authorized to transact surety business in Oregon. New applicants: the surety sends the bond and power of attorney to you, not to CCB. | Oregon CCB licensing · CCB commercial bond form · 2026-08-07 |
| Washington | Department of Labor & Industries (L&I) | Washington sets $30,000 for general contractors and $15,000 for specialty contractors, applying at registration renewals dated July 1, 2024 or later. L&I recognizes 63 specialty classifications, each requiring registration. | Washington requires the exact business name on file with L&I, matching the registration application and the liability certificate. All documents must be signed originals — not photocopies — and must reach L&I before the filing date shown on the bond. | L&I register as a contractor · L&I application F625-001-000 · 2026-08-07 |
| Arizona | Registrar of Contractors (ROC) | Arizona publishes no single statewide figure. The amount is set by license classification and anticipated annual gross volume of work, from the Registrar's published bond table, and runs from $4,250 to $100,000. Residential contractors additionally either pay an assessment into the Registrar's Residential Contractors' Recovery Fund or post a further bond of $200,000. | Arizona requires a continuous bond, with no termination date. A license does not become effective until the bond is filed with the Registrar. The Registrar may increase the required amount at any time. The surety may cancel, but must give 30 days' notice to you and the Registrar — after which the license is suspended unless the bond is replaced. | Arizona ROC bond information · ROC Recovery Fund · 2026-08-07 |
| Nevada | State Contractors Board | Nevada publishes no figure you can look up in advance. The Board fixes it at license approval, from $1,000 to $500,000, weighing license type, monetary limit, financial responsibility, experience, and character. You learn the amount after approval. Residential pool and spa contractors may face an additional consumer protection bond. | Nevada requires execution on the Board's own form. Surety must be authorized in Nevada and rated "A" or better long-term. Bonds must be continuous; a canceling surety gives the Board 60 days' notice. Failure to file or maintain it is cause to deny, revoke, suspend, or refuse to renew the license. | NSCB bonds · NSCB license requirements · 2026-08-07 |
| Florida | Construction Industry Licensing Board (CILB), within the Department of Business and Professional Regulation | Florida sets no general contractor license bond at all in its current financial-stability rule. Under Fla. Admin. Code R. 61G4-15.006 as amended effective May 5, 2024, an applicant meets financial stability with a FICO-derived credit score of 660 or higher; an applicant who cannot provide a 660 score meets the requirement by completing a 14-hour Board-approved financial responsibility course. A bond is not one of the routes the current rule names. A separate requirement applies to business organizations operating through a designated financially responsible officer under Rule 61G4-15.0021 — confirm its current form and amount with CILB. Local Florida jurisdictions may still impose their own contractor bonds. | Florida's financial-stability showing is made to the Board through the credit report or course completion, not through a filed bond. If any Florida authority does require a bond of you, it will be a city or county requirement — confirm the form and amount with that office. | Fla. Admin. Code R. 61G4-15.006 · Florida Administrative Code gateway · 2026-08-07 |
| New York | No state authority for home improvement contractors. New York City: Department of Consumer and Worker Protection (DCWP). Nassau, Suffolk, Westchester, and Rockland counties run their own programs. | New York has no statewide home improvement contractor license or bond. In New York City, DCWP requires a home improvement contractor applicant either to enroll in the Home Improvement Business Trust Fund — a $200 first-time enrollment fee — or to post and maintain a bond. The Trust Fund is a statutory alternative to bonding, not a bond: enrolling waives the bond requirement at 6 RCNY § 2-225. Confirm the current bond amount on DCWP's own checklist. | New York City requires the bond to name the Department of Consumer and Worker Protection. Trust Fund enrollment is nonrefundable while the Fund exists, and a claim paid from the Fund does not relieve you of the underlying obligation. Outside the city, confirm the form and amount with the county program where the work happens. | NYC DCWP Trust Fund enrollment · 6 RCNY § 2-224 · 2026-08-07 |
| Texas | No single state authority. Trade licenses from the Department of Licensing and Regulation (TDLR) and, for plumbing, the separate Texas State Board of Plumbing Examiners (TSBPE); general contractor registration and bonding from cities and counties. | Texas has no statewide contractor license bond. TDLR's published list of licensed programs covers specific trades — air conditioning and refrigeration contractors, electricians, water well drillers and pump installers, among others — and does not include general contracting. TSBPE licenses plumbers independently of TDLR, under its own license types and renewal cycle, so a Texas plumber's authority is TSBPE and not TDLR. Where a bond is required, a city or county sets the amount, and it commonly differs between neighboring jurisdictions. | Texas leaves this to whichever municipality requires it. Confirm the form, amount, and filing office with the city or county where the work happens, for each jurisdiction you work in. | TDLR programs licensed and regulated · TSBPE license types · 2026-08-07 |
Rules that hold beyond these eight jurisdictions
Eight things in that table are worth lifting out, because they hold well beyond these eight jurisdictions and they are the failure points that actually cost people their filing date.
The amount follows your license class, not your trade. Arizona sets it by classification and volume; Oregon by endorsement; Washington by general versus specialty. "How much is a contractor bond" has no answer until you know which class you are applying under.
Sometimes there is no amount to look up at all. Nevada's Board fixes your figure at license approval, case by case, and tells you afterwards. Any provider quoting you a Nevada contractor bond before the Board has set your amount is quoting a guess. When your state works this way, the sequence is: apply, receive the amount, then shop.
Sometimes a bond is still being sold for a requirement that no longer exists. Florida's current financial-stability rule gives an applicant two routes — a FICO-derived score of 660 or higher, or a 14-hour Board-approved financial responsibility course — and a bond is not one of them. Yet "Florida sub-660 contractor bond" remains a live, heavily marketed product across surety websites, priced and sold to applicants who may have no state bond obligation at all. We are not saying no Florida contractor ever needs a bond; local jurisdictions set their own, and the financially-responsible-officer requirement is separate. We are saying that the rule changed and a large part of the market's published guidance did not. Read the current rule or ask the board, then decide whether you are buying a requirement or a leftover.
Sometimes the answer is not a bond at all. New York City lets a home improvement contractor enroll in a Trust Fund instead of posting a bond, and enrolling waives the bond requirement outright. If you shop for a bond without asking whether your authority accepts an alternative, you may buy something you did not have to buy. Ask the authority what instruments it accepts before you ask a provider for a price.
Your legal name has to match the authority's record exactly. California requires the business name, license number, and qualifier's name to correspond exactly with CSLB records. Oregon requires the exact entity name registered with the Corporation Division. Washington requires the exact name on file with L&I, on the bond and the insurance certificate alike. Three states, three different registries, one rule.
Entity type can add a bond, not just change its amount. California's LLC contractors file a $100,000 employee/worker bond on top of the $25,000 license bond — a five-fold larger obligation that arrives with the entity choice, not the trade. If you are choosing a structure and budgeting for bonding, price the structure, not just the license. And in California the bond is only one piece of the application: our guide to California contractor license requirements covers the rest of what the CSLB asks for.
Which trade you are does not set the bond — which class you register under does. This trips up multi-trade operators constantly. Washington recognizes 63 specialty classifications, each requiring its own registration, and prices specialty registration at $15,000 against $30,000 for a general contractor; a handyman who works across several trades may need the general registration and the higher bond rather than a cheaper specialty one. Oregon runs separate residential and commercial endorsements, so the same person can hold two bonds at two amounts. In Texas the split is sharper still: an electrician or an HVAC contractor is licensed by the state through TDLR, a plumber by a different state board entirely, and a general contractor by no state agency at all — so three people on the same jobsite can answer to three different authorities with completely different bonding.
Many authorities accept only their own form, some only an original, and some condition acceptance on the surety. Oregon states plainly that no form other than a CCB bond form is accepted. Washington requires signed originals rather than photocopies. California requires a surety licensed through the California Department of Insurance; Oregon requires one authorized to transact surety business in Oregon; Nevada requires one authorized in Nevada and carrying a long-term rating of "A" or better. This is why "we're licensed in all 50 states" from a provider does not answer the question — the provider's licensing and the surety's authorization are two different things, and a rating condition is a third. An admitted or authorized surety is simply one your state's insurance regulator has licensed to write surety business there; a rating condition is a separate test of the surety's financial strength. Confirm the issuing surety's status with your state department of insurance if the authority conditions acceptance on it.
A worked source conflict, and why it matters to you. Washington raised its contractor bond amounts to $30,000 general and $15,000 specialty for renewals dated July 1, 2024 or later. At this review, secondary pages published in 2026 were still circulating the earlier $12,000 and $6,000 figures as current. Both numbers are findable; only one is on L&I's own registration page and application form. If you buy against a stale figure you buy an insufficient bond, and you find out at filing. This is the whole argument for going to the authority first, in one example.
How we compared the bond-shopping routes
Provider evidence in this section was opened on the dates shown against each field; every row is rechecked on publication day and again by October 18, 2026, or sooner if a provider, form, or law changes.
Our inclusion gates: a current first-party page for license and permit bonds (or an equivalent exact category); a route usable by a small-business buyer rather than only by insurance agents; a public role or legal identity we can describe without implying any partnership; evidence of a quote, purchase, or specialist path plus enough public detail to compare the core fields; and limitations we can state honestly. A provider does not need to publish every price to be included — but every claim we make about it must come from its own current documentation, dated. Marketing superlatives — "#1," "largest," review counts, and speed promises — were excluded from consideration entirely, because they are self-published and not equally verifiable across options.
We use no numeric score, star rating, or ranking rubric, and none appears on this page. The profiles run in reader decision logic order — broad online agency, large producer, direct surety, then specialist multi-market agency — which mirrors how most first-time buyers encounter the routes, not a quality ranking. No commission, affiliate consideration, or prospective relationship influenced inclusion or order. How this page is funded: Cover My Trade is supported by advertising and, on some pages, disclosed referral links; no provider has paid for placement, ordering, or inclusion on this page, compensation never determines what is included or how it is ranked, and if a compensated link is added to this page, it will be disclosed here.
One caution applies to every row: a provider's statement that it is licensed in many states — or in all of them — is a statement about the provider, not about your bond. It does not prove that your specific form is available in your state, that the surety behind your transaction is acceptable to your authority, or that the filing method matches your requirement. Geography on this page is therefore always qualified, and the transaction-level check belongs to you.
Status words carry precise meanings throughout: Verified means a current first-party source directly supports the field and its scope; Verified with limitation means a state, form, product, or underwriting limitation remains, which is the normal condition in this market; Partial means required equal-field data is missing. A blank is never treated as zero, free, or unavailable — you'll see "not publicly stated" or "live quote required" instead.
Route comparison: role and fit
All fields below reflect each provider's own public documentation as of July 20, 2026, for these four routes: SuretyBonds.com, JW Surety Bonds, Colonial Surety Company, and Bryant Surety Bonds.
| Field | SuretyBonds.com | JW Surety Bonds | Colonial Surety | Bryant Surety Bonds |
|---|---|---|---|---|
| Role | Online surety agency | Surety producer / agency | Direct surety company | Multi-market surety agency |
| Best fit | Standardized bond, searchable catalog | Broad catalog with quote tools | Exact bond in the issuer's own catalog | Credit-sensitive underwriting |
| Not ideal for | Buyers without the official requirement | Buyers treating public tables as a quote | Any form not in its product list | Buyers reading "all credit" as approval |
| Exact bond availability | Large catalog; confirm form per transaction | Broad catalog; confirm exact bond | Listed products only; state-specific | Application-based; confirmed at quote |
| What this route does not do for you | Does not bear the bond, set the underwriting decision, or make your authority accept the filing | Same, and its published tables do not price your bond | Does not place with any other surety if its own product does not fit your form | Does not issue or bear the bond, and does not guarantee approval |
Route comparison: evidence and workflow
Same four routes. "Live quote required" and "not publicly stated" mean exactly that — never zero, never unavailable.
| Field | SuretyBonds.com | JW Surety Bonds | Colonial Surety | Bryant Surety Bonds |
|---|---|---|---|---|
| Geography | Multi-state positioning; form availability not verified per state | Same limitation: verify state and form at quote | Public licensing information available; product-state fit transaction-specific | Same limitation: verify state and form at quote |
| Quote and underwriting | Set pricing on many standardized bonds; others underwritten | Online quote tools; published figures are estimates | Online quote per listed product; underwriting varies | Credit and financial review where required; inquiry type not publicly stated — ask |
| Public price evidence | Provider-published rate band (see price evidence) | Provider-published range and example (see price evidence) | Live quote required | Live quote required |
| Issue, file, correct | Digital delivery described; originals and seals bond-specific | Delivery and corrections described; confirm per bond | Online purchase and print for listed products | Confirmed per transaction |
| Renew, cancel, claims | Described in provider education; the bond and indemnity agreement control | Claims education published; actual documents control | Issuer-run renewal and claims path | Renewal and claims education published |
| Evidence status | Verified with limitation (role and workflow 2026-07-20; rate band rechecked 2026-08-07) | Verified with limitation (2026-07-20) | Verified with limitation (2026-07-20) | Verified with limitation (2026-07-20) |
Current evidence is not the same as transaction acceptance. Every row above describes what a provider's public pages support today — none of it proves that your specific bond, in your state, for your license class, will be available, priced as illustrated, or accepted by your authority. That verification happens inside your quote and your filing, using the buyer checklist.
Options we considered but did not include
BondExchange — not included: its public site positions the platform for insurance agents, and no direct consumer path was documented as of July 20, 2026. SBA Surety Bond Guarantee program — not included: the guarantee applies to contract bonds — bid, performance, payment, and specified ancillary bonds — and 13 CFR § 115.12 states directly that commercial and fidelity bonds are not eligible for SBA guarantees (accessed 2026-08-07). General small-business insurance marketplaces — not included: no current first-party evidence of an exact license/permit bond route was reviewed as of July 20, 2026; selling small-business insurance is not the same product. NASBP's Surety Pro Locator appears on this page as a neutral specialist directory rather than a shortlisted provider, because it does not quote or sell bonds; inclusion in that directory is not a Cover My Trade endorsement of any listed producer.
Best-fit profiles for the shortlisted routes
Each profile interprets the matrix rather than restating it; evidence for every claim is the provider's own documentation as of July 20, 2026, except where a later recheck date is shown.
SuretyBonds.com fits the buyer who already holds the official form for a common, standardized bond and wants a large searchable catalog, a multi-market online surety agency behind the transaction, and digital delivery options. Its published contractor rate band makes it a natural first quote when your requirement is exact and ordinary. Not ideal for: a reader who still lacks the official requirement, or whose form is unusual or locally administered. Confirm in the quote: which surety will issue the bond; the full-term price including taxes, shipping, and filing fees; how corrections and riders are handled; and how a rejection by your authority would be resolved.
JW Surety Bonds fits the buyer who wants a broad surety producer with online quote and cost tools, published pricing education, and agent and claims-support positioning behind the sale. Not ideal for: a buyer who treats its public percentage tables as a personalized quote — the provider itself labels them estimates. Confirm in the quote: exact bond availability for your state and class; whether the figure you're shown is an estimate, indication, or bindable quote; the issuing surety; and the total term the price covers, including refund conditions.
Colonial Surety Company fits the buyer whose exact bond appears in a direct surety company's own online catalog and who prefers an issuer-led quote, purchase, and print workflow — one company underwrites, issues, and services the bond. Not ideal for: any bond or form not in its product list, or a requirement that ends up needing a different surety or a producer. Confirm in the quote: that the specific product matches your state and form exactly; the final full-term price; the filing path; and your authority's acceptance of the bond as issued.
Bryant Surety Bonds fits the applicant who expects underwriting friction — credit concerns, prior claims, or nonstandard ownership — and may benefit from a multi-market surety agency submitting to several sureties. Not ideal for: a reader who interprets "all credit types" positioning as guaranteed approval; availability and price remain underwriting decisions. Confirm in the quote: whether the credit inquiry is soft or hard; which markets were approached and which surety will issue; the exact bond and total price and term; and what claims support actually involves.
Which situation fits you
Situations here are defined by trade and stage, because those are what change the answer. Every row assumes you have completed the requirement card first.
| Your situation | Typical trade | What varies by state | Route to evaluate | Documents to collect first |
|---|---|---|---|---|
| Requirement not yet confirmed | Any | Everything — form, amount, obligee, filing method, and whether a non-bond alternative is accepted | None yet. Find your authority | The authority's current form and written filing instructions |
| Newly licensed sole operator activating a state license | Handyman, painter, landscaper | License-class amount; whether the surety must be admitted or rated in-state; name-matching registry | Online agency or producer route for a standardized form | Board bond form; exact legal entity name; license or application number |
| Multi-trade operator choosing between general and specialty registration | Handyman, remodeler | Which classes the state recognizes; whether one registration covers the work; the amount gap between general and specialty | Confirm the class with the board first, then a broad catalog for that exact class | The board's classification list; a written description of the work you actually perform |
| Operator pulling a local permit for one job | Any trade doing permitted work | Municipal form and amount; often differs between neighboring cities | Confirm form availability before quoting; specialist if no catalog carries it | City or county clerk's current form and filing instructions |
| State-regulated non-construction licensee | Auto dealer, freight broker, alarm installer, notary | Which agency regulates the activity, and that agency's own form and amount | The regulating agency first, then a catalog route once the form is fixed | The license application itself, which normally names the bond and the amount |
| Applicant with credit concerns or prior claims | Any | Whether a bond is required of you at all — some states condition it on financial responsibility; underwriting outcome varies regardless | Multi-market agency or specialist producer | Financials the surety requests; written explanation of prior claims |
| Bond rejected by the obligee, or license lapsed | Any | Rejection cause, cure path, and the effective date the replacement must carry | Your original provider first; specialist if unresolved | The rejection notice; the issued bond; the authority's current form |
| Expanding into a second state | Contractor trades | Each state's authority, form, and amount separately — bonds do not transfer | Specialist producer for multi-state requirements | Each authority's form and filing rules |
Whichever row describes you, score every provider you contact against the same thirteen-question buyer checklist below rather than building a different scorecard per provider — identical questions are what make the answers comparable.
What current price evidence can and cannot tell you
Every figure in this section is a provider-published illustration, range, or live-quote route as of the date shown against it, scheduled for recheck by October 18, 2026. None is an average, a market benchmark, or a guaranteed quote.
Price evidence comes in descending order of reliability: a bindable quote for your exact bond and profile; a live indication; a provider-published example or range; and, weakest of all, no public generic price. Only the first tells you what you will pay. The table below records what each shortlisted route publicly shows today — and the required limitation that travels with each figure:
| Route | Evidence type | Current public evidence | Required limitation | Status |
|---|---|---|---|---|
| SuretyBonds.com | Provider-published rate band | Its contractor bonding page describes premium rates as typically 1%–5% of the bond amount, often starting at $100 (checked 2026-08-07). | This band changed between our two checks — see the staleness note below. Verify the exact bond, taxes, shipping and filing, term, and quote status. | Verified with limitation |
| JW Surety Bonds | Provider-published range and estimate | License bonds described as commonly 1%–10% of the required amount; example: $25,000 bond at 1.5% → $375 (checked 2026-07-20). The public table is an estimate. | Not equal-input across providers; taxes and extended terms excluded from the estimate; the actual bond and underwriting control. | Verified with limitation |
| Colonial Surety Company | Live product quote route | Category page offers online quote, purchase, and print for listed products; no single normalized generic license-bond price is published there (checked 2026-07-20). | Live quote required. A missing public price does not mean more expensive — or cheaper. | Partial |
| Bryant Surety Bonds | Live quote route / qualitative drivers | Category page states price depends on bond amount, credit, and overall financial status; no single generic price on that page (checked 2026-07-20). | Live quote required; verify inquiry type, issuing surety, term, and all fees. | Partial |
A published rate band went stale in eighteen days, on our own page. On July 20, 2026 we recorded SuretyBonds.com's contractor license bond guidance as a typical 1.5%–3% approval band. On August 7, 2026 the same provider's contractor bonding page described typical rates of 1%–5%, often starting at $100. We have replaced the figure rather than defend the old one, and we are telling you it moved because that is the point: a headline percentage is a snapshot of a pricing regime, not a price for your bond, and it can change between the day a page is written and the day you read it. Treat every published band on every site — including this one — as dated evidence to re-check, not as a quote.
What actually drives your price: the bond type and required amount; your credit and financial strength where the bond is underwritten; entity structure and ownership; experience in the licensed activity; claims history; the term quoted; and bond-specific underwriting rules. What the public evidence leaves unknown — and what you must ask about before paying: taxes, extended-term pricing, shipping, filing charges, installment fees, rider and correction costs, and cancellation or refund treatment.
What one bond actually costs: a worked example
Take a specialty contractor registering with Washington L&I. The bond amount is not a guess: L&I sets it at $15,000 for specialty contractors at renewals dated July 1, 2024 or later. That figure is the input every quote starts from, and it is the half of the cost question you can settle before you contact anyone.
The premium is the other half, and it is credit-driven. Applying the two provider-published rate bands recorded above to that verified $15,000 amount gives the shape of the range:
| Credit position | Published rate applied | Annual premium arithmetic | What it is |
|---|---|---|---|
| Strong credit | 1% | $150 | The bottom of one provider's published contractor band, not a going rate |
| Published contractor band | 1%–5% | $150–$750 | The band that provider publishes for contractor bonds as of 2026-08-07 |
| Credit-impaired | up to 10% | up to $1,500 | The top of another provider's published license-bond range, not a ceiling on what you could be quoted |
Read that table for what it is. Each figure is simple arithmetic: a published provider rate range multiplied by a verified statutory bond amount. The method is transparent, which is the only reason we publish it. No provider has priced your bond, so treat every row as the shape of a range rather than an offer. The single driver moving that spread is your personal credit — the same $15,000 bond, same state, same class, can carry a tenfold difference in premium on credit alone. Term, entity structure, claims history, and experience move it further from there.
What this example cannot tell you, and what only a real quote can: your actual rate, the term the price buys, taxes, filing and shipping charges, installment fees, and refund terms. Cover My Trade does not yet publish its own quoted premium samples for license and permit bonds, so no figure here is a Cover My Trade sample.
When you do hold two real quotes, compare them only after forcing the inputs equal: the same official bond and amount, the same effective date and term, the same delivery method, and every tax, fee, shipping, and filing charge surfaced on both sides. A quote that looks cheaper on premium and quietly shorter on term, or silent on fees, is not cheaper — it is incomplete. And a percentage is not a price: 1% of a bond amount tells you nothing until you know the term it buys, the fees around it, and whether that rate survives underwriting for your profile.
Two comparisons this page will not make, because the evidence cannot support them: we do not convert a percentage into a monthly price, and we do not compare a standardized set-price bond against an underwritten bond as though the provider alone explained the difference. There is no "cheapest" route on this page — only the route that can quote your exact bond, with its full terms visible.
From quote to filing, renewal, and claims
The comparison only pays off if the transaction is run cleanly. Seven steps take you from a completed requirement card to a filed, maintained bond — and each one has a check that prevents the most common failure at that stage.
Step 1 — Prepare. Assemble the completed requirement card plus your principal details: legal name and entity type, ownership, address, license or permit class, requested effective date — and financial or credit inputs only where the bond actually requires underwriting.
Step 2 — Quote. For every quote you receive, identify what it is: a set price, an estimate, an indication, or a bindable quote. Record the term it covers and every fee outside the premium. If a provider cannot say which surety would issue the bond, or whether the figure would survive underwriting, treat the number as provisional and keep shopping.
Step 3 — Issue. Before the bond is executed, confirm the legal names letter-for-letter against the official form, plus the bond number, amount, effective date, the issuing surety's name, and the required signatures, seals, and power of attorney. A power of attorney here is the document proving the person who signed for the surety was authorized to bind it — authorities check it, and a missing or mismatched one is a routine rejection cause. Errors caught here cost minutes; errors caught by the obligee cost your deadline.
Step 4 — File. Follow the authority's current instructions exactly — upload, e-file, mail, original paper, or provider-direct filing — and retain written proof of acceptance. Filing is complete when the authority says it is, not when the provider's confirmation email arrives. If the authority requires an original with a wet signature or seal, no upload substitutes for it — build mailing time into your deadline.
Step 5 — Correct. Ask in advance how a change to the name, amount, address, or effective date is handled: some corrections take a rider, others a full replacement bond, and the cost and turnaround differ. Never alter an issued bond, power of attorney, or filing document yourself.
Most rejections come from a short list, and every item on it is checkable before you file:
| Why a filed bond comes back | What it looks like | Usual fix |
|---|---|---|
| Legal name mismatch | The bond shows a trading name, an abbreviation, or a middle name the authority's registry does not have | Rider or replacement bond in the exact registered name |
| Wrong or outdated form | A generic bond form where the authority accepts only its own current version | Replacement bond on the authority's form |
| Wrong amount for the license class | An amount taken from another class, another state, or a superseded schedule | Replacement bond, or a rider increasing the penal sum where the authority allows one |
| Missing seal, signature, or power of attorney | The surety's attorney-in-fact signature or the POA page is absent or mismatched | Reissue with the complete execution set |
| Surety not acceptable in the state | The issuing surety is not admitted, authorized, or rated as the authority requires | Replacement bond from an acceptable surety — a different provider may be needed |
| Copy filed where an original was required | An upload or scan submitted against a wet-signature requirement | Mail the original; build the transit time into the deadline |
Step 6 — Renew or cancel. Confirm the term, whether the bond is continuous, when renewal notice arrives, whether price can be re-underwritten at renewal, what cancellation notice the bond requires, and how the authority is informed. A lapsed bond can suspend the license it supports.
Step 7 — Claims and indemnity. Read the bond and the indemnity agreement before signing, not after a claim. If a claim arises, document the dispute, notify the surety or producer promptly, and involve a construction or surety attorney — the surety's payment of a valid claim typically triggers your reimbursement obligation under the indemnity agreement.
Put the same thirteen questions to every route you shortlist:
| # | Question |
|---|---|
| 1 | Can this route issue the exact official bond form and amount for my jurisdiction and license class? |
| 2 | Who is the producer or agency, and which surety company will issue the bond? |
| 3 | Is the issuing surety admitted or authorized in my state, and does my authority require that? |
| 4 | Is the result a set price, an estimate, an indication, or a bindable quote? |
| 5 | What term does the price cover, and what taxes, fees, shipping, or filing costs are additional? |
| 6 | Will the application use a soft or hard credit inquiry, and what financial documents may be required? |
| 7 | Can my authority verify and accept the issuing surety and this bond form? |
| 8 | How is the bond executed and delivered — digital, original paper, seal, power of attorney, direct filing? |
| 9 | What happens if the obligee rejects it, or the legal name, amount, or date is wrong? |
| 10 | Are riders or replacement bonds available, and at what cost? |
| 11 | How and when does renewal occur, and can price or underwriting change? |
| 12 | What cancellation notice applies, and how is the obligee informed? |
| 13 | What indemnity and reimbursement obligations apply if a claim is paid? |
Keep the answers with your bond records — they are your comparison evidence now and your service map for the life of the bond.
When to pause or use a surety specialist
What operating without a required bond exposes you to. Where a bond is a condition of your license, going without it is not a cost saving with a small compliance risk attached — it usually means the license itself is not valid. Arizona states the mechanism plainly: a license does not become effective until the bond is filed, and if the surety cancels, the license is suspended unless the bond is replaced. Depending on the state and the activity, an unbonded or lapsed license can also mean penalties for unlicensed work, refusal of permits, and in some states limits on your ability to enforce a contract or a lien for work performed while unlicensed. All of that is state-specific and none of it should be assumed — the authority that issued your license is the one that can tell you what applies to you. Cure is often possible, and the mechanics vary in ways that matter: Nevada suspends the license until a new bond is obtained and requires the replacement to be dated back to the date the old bond was canceled, which closes the gap rather than starting fresh. Other authorities accept a forward-dated replacement and record the lapse. Ask the authority, not the provider, what the cure path is, what effective date the replacement must carry, and whether the gap is reportable.
Pause — buy from no one yet — when the authority has not identified the bond, amount, form, obligee, or filing method; when your business or legal name is not yet settled; or when a provider cannot confirm the exact form you need. Any of these makes a purchase a guess, and a guessed bond is the one most likely to be rejected.
Move to a specialist or local surety producer when the form is unusual or locally administered; the amount is large or financially underwritten; ownership is complex or includes a qualifying individual; you have prior claims; an obligee has already rejected a bond; the requirement spans multiple states; or the bond simply is not in any online catalog. A neutral way to find one is NASBP's Surety Pro Locator — a producer directory, not a quote engine, and directory inclusion is not a Cover My Trade endorsement. One boundary to know: the SBA's Surety Bond Guarantee program supports contract bonds — bid, performance, payment, and specified ancillary bonds — not the commercial license and permit bonds covered here, so it is not an alternative route for this purchase. For the broader question of what coverage should sit alongside your bond, start with what insurance does my business need?.
Three outcomes worth knowing before they happen. Declined by every market: this is a real result, not a sign you shopped badly. A specialist producer's value here is access to markets that write difficult credit, and knowing which ones will look at your file. Collateral or a funded bond: on higher-risk placements a surety may require cash collateral, an irrevocable letter of credit, or a funded arrangement before it will issue. That is a normal underwriting outcome in surety, not a scam — but confirm who holds the collateral, on what terms, and when it is released. The amount is unaffordable: the bond amount is set by your authority and is not negotiable with a provider. What can change is the premium — through a multi-year term where the authority permits one, an installment arrangement, or applying under a license class whose scope genuinely matches your work.
Have the official bond name, amount, and filing instructions? Compare a live quote for that exact requirement, then confirm the issuing surety and acceptance terms before paying. Confirm the current bond form and filing instructions with the authority before paying. A bond does not replace business insurance, and a provider's speed claim does not guarantee the authority will accept the bond.
Frequently asked questions
Is a license bond the same as business insurance?
No. A license or permit bond guarantees your compliance to the obligee and the public; if the surety pays a claim, you generally must reimburse it. Insurance pays covered losses to you as the insured under a policy. Many authorities and contracts require both, separately — the full distinction lives in business license vs bond vs insurance.
Does the bond amount equal what I pay?
No. The bond amount (penal sum) is the guarantee's size — say $10,000 or $25,000. Your premium is a fraction of it, set by the bond type, underwriting, and term, plus any taxes and fees. Two bonds with identical amounts can carry very different premiums, so always price the exact bond, never the amount alone.
How much does a license or permit bond cost?
Your bond amount comes from your authority and your license class — California's contractor license bond is $25,000 under SB 607, Washington's specialty contractor bond is $15,000 for renewals from July 1, 2024. Your premium is a percentage of that amount. As of August 7, 2026, SuretyBonds.com's contractor bonding page describes typical rates of 1%–5% of the bond amount, often starting at $100; as of July 20, 2026, JW Surety Bonds published a common range of roughly 1%–10% for license bonds, with an example of a $25,000 bond at 1.5% → $375. Those are provider-published illustrations, never averages or guaranteed quotes, and one of them moved between our own two checks. The worked example shows how the arithmetic behaves on a real statutory amount.
Do I definitely need a bond to get my license?
Not always. Some states require one of every licensee, some set the amount individually at approval, and some do not require a state license bond at all — Florida's current financial-stability rule is met by a credit score or a 14-hour Board-approved course, not by a bond, even though bonds are still marketed to Florida contractors. Others accept an alternative instrument: New York City lets a home improvement contractor enroll in a Trust Fund in place of posting a bond. Ask your authority which instruments it accepts before you ask any provider for a price, because you may be shopping for something you do not have to buy.
Does my license bond work in another state?
No. A bond runs to a named obligee on that authority's own form, so it does not transfer across state lines and generally not between authorities within a state either. Working in a second state normally means a second license and a second bond, on that state's form and in that state's amount. A specialist producer is the practical route when a requirement spans several states.
Can I buy a bond before I know the exact form?
It's usually unsafe. The obligee's current form, amount, and filing method define what you must buy; purchasing first means guessing, and a wrong form, name, or amount can be rejected at filing. Retrieve the official requirement — in writing — and only then request quotes for that exact bond.
What happens if the authority rejects the bond?
Contact your provider immediately and ask how correction works: a rider, a replacement bond, or reissuance, and at what cost, along with any refund terms. Ask the authority for the stated reason in writing, then match it against the rejection causes and fixes above — nearly all of them are clerical and curable. Never alter the bond, power of attorney, or filing documents yourself, because an altered document turns a fixable clerical error into a serious problem.
How fast can I get a certificate of insurance if a client also asks for one?
If a client, venue, or platform asks for a COI alongside your bond, one is commonly issued the same day to a few business days after the underlying policy binds — the clock is set by the slowest dependency: complete quote inputs, underwriting review, payment or deposit, endorsement processing, and the certificate-holder details from the requesting party. Three endorsement terms show up constantly in those requests: additional insured extends the policy to another party and requires an endorsement, not just a name typed on a certificate; waiver of subrogation means the insurer gives up its right to recover from that party after paying a claim; primary and non-contributory means your policy pays first and does not share with the other party's. A COI is evidence of a bound policy, never a substitute for one — and never a substitute for a required bond. See what a certificate of insurance proves.
Your next step
Retrieve the current official bond form and written filing instructions from your licensing or permit authority — today, and in writing if anything is ambiguous. Ask that office one extra question while you have it: whether it accepts any alternative to a bond. Then request quotes for that exact form and amount from the route that fits your row above, put the same thirteen checklist questions to each, and before paying, verify three things: the issuing surety's name and its authorization in your state, the total full-term cost with every fee visible, and your authority's acceptance of the bond as it will be issued and filed. If no shortlisted route can confirm your exact form, stop and take the requirement to a surety specialist instead — the right bond, correctly filed, is the only version that finishes the job.
Corrections: if a requirement, form, or figure on this page is wrong or out of date, tell us at hello@covermytrade.com and we will correct it and re-date it.
Sources and last verified date
Last verified: August 7, 2026
Next review: September 7, 2026
- Contractor bond requirements — California CSLB — California's license-bond amount and filing rules.
- LLC licensure — California CSLB — the additional LLC employee/worker bond California requires.
- Bond information — Arizona Registrar of Contractors — Arizona's license-bond amounts by class and volume.
- Recovery Fund — Arizona Registrar of Contractors — the residential recovery-fund alternative interacting with Arizona bonds.
- Register as a contractor — Washington L&I — Washington's contractor registration bond requirement and form.
- Commercial surety bond form — Oregon CCB — an obligee's own bond form, the document that defines what to buy.
- Contractor bonds — Nevada State Contractors Board — a board that sets bond amounts individually at approval.
- Financial stability rule 61G4-15.006 — Florida Administrative Code — Florida's credit-score/course alternative to a license bond.
- Home Improvement Contractor Trust Fund enrollment — NYC DCWP — New York City's trust-fund alternative to posting a bond.
- About surety — National Association of Surety Bond Producers — how surety producers and the bond market are structured.
- Surety Bond Guarantee program — U.S. Small Business Administration — the federal guarantee route for hard-to-place applicants.
- License and permit bonds — SuretyBonds.com — the broad online agency route's published catalog and terms.
- License bonds — JW Surety Bonds — a second online route's catalog and its published 1%–10% cost framing.
- License and permit bonds — Colonial Surety Company — the direct-surety route's published terms.
- License and permit bonds — Bryant Surety Bonds — the specialist multi-market agency route's published terms.
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