How Do I Apply for a Surety Bond?

A business owner holds an "open" sign.
Many businesses need to obtain a surety bond before obtaining a license. Helps Make Bonding Easier

If you’re like most people, you probably never had to apply for a surety bond before. Here at, we understand that getting a bond might seem confusing. That’s why we strive to make the process easy, convenient and understandable. We have simplified the bond application process into five easy steps designed to be stress-free:

Step 1: Determine the type and amount of surety bond you need

To find out what type of bond is required, and the amount it needs to be for, you may want to contact the “Obligee” – the entity, person or organization requiring you to obtain the bond. Or, let one of our bond professionals help find out for you by calling us at 1‑844‑432‑6637.

Next, click on the online bond application form and choose the type of bond you need from the drop-down menu. To help you with this, you can search by “Bond Types” or “Bonds by State” from the top navigation bar on the page.  (If you need a paper application, a PDF version is available to download and print.)

After you receive your specific application form, review it carefully to understand the terms, duties and obligations the surety bond will bind you to.

The fastest, easiest way to apply for your surety bond is online. To do so, please visit’s application page.

Step 2: Determine how much time you have until your surety bond is needed

In many cases, can issue your bond within 24 hours after you apply. However, it’s best not to rush the application process since a bond is a legally binding contract.  The more time you have to allow for the application process, the more time you have to complete the documents correctly and to understand your obligations under the bond.

Step 3: Gather all the information you’ll need to apply

Bonds are sometimes based on the 3 C’s — Character, Capacity and Capital.  Character is the moral and ethical nature of an individual or business. An underwriter looks for honesty, integrity and fair dealing when assessing the character of a person or entity.  Capacity involves one’s ability to perform successfully. An underwriter will consider the assets, equipment or capability to do what is required when evaluating the capacity of an individual or business.  Capital is the measure of one’s financial ability to assume the risk of a particular activity. An underwriter might review a credit report or financial statement to determine the capital value of a person or entity.

When preparing to apply for your surety bond, you will need relevant personal information and business records to be easily accessible as these may be needed to determine your character, capacity and capital for bond underwriting purposes. The more information our bond professionals have available to them from the start, the quicker the process will be to obtain a quote for you.  Depending on the type of bond, the following items may be needed to complete the application:

  • The legal name of your business as it appears on your business license;
  • The exact amount of your bond. If unsure, we will guide you by asking the appropriate questions to determine the amount needed;
  • The Social Security numbers of all owners of the business;
  • The home addresses of all owners of the business;
  • Any relevant personal and business financial records;
  • Correspondence, such as letters of reference, work in progress or a letter to help explain credit blemishes, work history, etc.;
  • Length of time in the industry, work background or resume

Step 4: Triple-check all information on your application

Remember, your surety bond will act as a legally binding contract and most government agencies will not accept it if it includes typos or technical errors.  Your bond is written with the information you provide to, so accurate completion of your application is critical.  Errors found after the bond is executed could result in added costs, additional paperwork or a delay in the bond being accepted.

Step 5: Pay for your surety bond cannot legally execute your bond until your payment has been received. We accept credit card payments over the phone, by fax or checks sent through the mail. Please remember that it will take longer for you to receive your surety bond if your payment is sent through the mail.


has underwritten surety bonds throughout the U.S. for more than 35 years. When you work with us, you enjoy the unique benefit of dealing with a team of highly experienced surety professionals with in-house underwriting authority. This allows you to receive low rates, quick approvals and fast bond delivery; in most cases, we send your bond within 24 hours after you submit your application. If you have any questions, please call our surety professionals today at 1‑844‑432‑6637 or email – Your Online Bond Provider.

Great Rates. Solid Advice. Quick Solutions.


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