Surety Bonds, priced clearly.

A surety bond is a three-party guarantee that you’ll meet a legal or contractual obligation.
It protects the government agency or owner in the event of bankruptcy or non-performance.
Find the one you need below with its requirements and costs.

Contractor Prequalification (Performance Plus)

A free surety prequalification through the Performance Plus program — no bond posted, no premium, just an underwriting file that speeds up the performance & payment bond you’ll…

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ConstructionFree

Bid Bond

Required with most Alaska public bids. Completely free — consent of surety included, soft pull only.

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ConstructionFlat 3%

Performance & Payment Bond

Required for Alaska public works over $100K. One flat 3% rate for every contractor — projects up to $3M on credit alone.

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Showing 90 of 7487 bonds

ConstructionFlat 3%

Performance & Payment Bond

Required for Alabama public works over $50K. One flat 3% rate for every contractor — projects up to $3M on credit alone.

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ConstructionFlat 3%

Performance & Payment Bond

Required for Arkansas public works over $50K. One flat 3% rate for every contractor — projects up to $3M on credit alone.

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ConstructionFlat 3%

Performance & Payment Bond

Required for AZ public works over $100K. One flat 3% rate for every contractor — projects up to $3M on credit alone.

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ConstructionFlat 3%

Performance & Payment Bond

Required for Colorado public works over $50K. One flat 3% rate for every contractor — projects up to $3M on credit alone.

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ConstructionFlat 3%

Performance & Payment Bond

Required for CT public works over $100K. One flat 3% rate for every contractor — projects up to $3M on credit alone.

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ConstructionFlat 3%

Performance & Payment Bond

Required for DC public works over $25K. One flat 3% rate for every contractor — projects up to $3M on credit alone.

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ConstructionFlat 3%

Performance & Payment Bond

Required for Delaware public works under the state procurement code. One flat 3% rate for every contractor — projects up to $3M on credit alone.

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ConstructionFlat 3%

Performance & Payment Bond

Required for FL public works over $200K. One flat 3% rate for every contractor — projects up to $3M on credit alone.

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ConstructionFlat 3%

Performance & Payment Bond

Required for GA public works over $250K. One flat 3% rate for every contractor — projects up to $3M on credit alone.

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ConstructionFlat 3%

Performance & Payment Bond

Required for Hawaii public works over $25,000. One flat 3% rate for every contractor — projects up to $3M on credit alone.

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ConstructionFlat 3%

Performance & Payment Bond

Required for Iowa public works at $25K+. One flat 3% rate for every contractor — projects up to $3M on credit alone.

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ConstructionFlat 3%

Performance & Payment Bond

Required for Idaho public works of $50K and up. One flat 3% rate for every contractor — projects up to $3M on credit alone.

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ConstructionFlat 3%

Performance & Payment Bond

Required for IL public works over $150K. One flat 3% rate for every contractor — projects up to $3M on credit alone.

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ConstructionFlat 3%

Performance & Payment Bond

Required for Indiana public works of $200K or more. One flat 3% rate for every contractor — projects up to $3M on credit alone.

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ConstructionFlat 3%

Performance & Payment Bond

Required for KS public works over $100K. One flat 3% rate for every contractor — projects up to $3M on credit alone.

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ConstructionFlat 3%

Performance & Payment Bond

Required for Kentucky public works over $40K. One flat 3% rate for every contractor — projects up to $3M on credit alone.

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ConstructionFlat 3%

Performance & Payment Bond

Required for Louisiana public works over $25K. One flat 3% rate for every contractor — projects up to $3M on credit alone.

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ConstructionFlat 3%

Performance & Payment Bond

Required for MD public works over $100K. One flat 3% rate for every contractor — projects up to $3M on credit alone.

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ConstructionFlat 3%

Performance & Payment Bond

Required for ME public works over $125K. One flat 3% rate for every contractor — projects up to $3M on credit alone.

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ConstructionFlat 3%

Performance & Payment Bond

Required for MI public works over $50K. One flat 3% rate for every contractor — projects up to $3M on credit alone.

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ConstructionFlat 3%

Performance & Payment Bond

Required for Minnesota public works over $175K. One flat 3% rate for every contractor — projects up to $3M on credit alone.

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ConstructionFlat 3%

Performance & Payment Bond

Required for MO public works over $50K. One flat 3% rate for every contractor — projects up to $3M on credit alone.

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ConstructionFlat 3%

Performance & Payment Bond

Required for Mississippi public works under the state's Little Miller Act. One flat 3% rate for every contractor — projects up to $3M on credit alone.

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ConstructionFlat 3%

Performance & Payment Bond

Required for Montana public works over $50K. One flat 3% rate for every contractor — projects up to $3M on credit alone.

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ConstructionFlat 3%

Performance & Payment Bond

Required for NC public works over $300K. One flat 3% rate for every contractor — projects up to $3M on credit alone.

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ConstructionFlat 3%

Performance & Payment Bond

Required for North Dakota public works over $100K. One flat 3% rate for every contractor — projects up to $3M on credit alone.

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ConstructionFlat 3%

Performance & Payment Bond

Required on Nebraska public works under §52-118. One flat 3% rate for every contractor — projects up to $3M on credit alone.

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ConstructionFlat 3%

Performance & Payment Bond

Required for NH public works of $25,000 or more. One flat 3% rate for every contractor — projects up to $3M on credit alone.

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ConstructionFlat 3%

Performance & Payment Bond

Required for NJ public works over $200K. One flat 3% rate for every contractor — projects up to $3M on credit alone.

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ConstructionFlat 3%

Performance & Payment Bond

Required for NM public works over $25K. One flat 3% rate for every contractor — projects up to $3M on credit alone.

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ConstructionFlat 3%

Performance & Payment Bond

Required for Nevada public works over $100K. One flat 3% rate for every contractor — projects up to $3M on credit alone.

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ConstructionFlat 3%

Performance & Payment Bond

Required for NY public works over $100K. One flat 3% rate for every contractor — projects up to $3M on credit alone.

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ConstructionFlat 3%

Performance & Payment Bond

Required for Ohio public improvement contracts. One flat 3% rate for every contractor — projects up to $3M on credit alone.

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ConstructionFlat 3%

Performance & Payment Bond

Required for OK public works over $50K. One flat 3% rate for every contractor — projects up to $3M on credit alone.

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ConstructionFlat 3%

Performance & Payment Bond

Required for Oregon public works over $100K. One flat 3% rate for every contractor — projects up to $3M on credit alone.

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ConstructionFlat 3%

Performance & Payment Bond

Required for RI public works over $50K. One flat 3% rate for every contractor — projects up to $3M on credit alone.

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ConstructionFlat 3%

Performance & Payment Bond

Required for South Carolina public works over $50K. One flat 3% rate for every contractor — projects up to $3M on credit alone.

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ConstructionFlat 3%

Performance & Payment Bond

Required for SD public works over $50K. One flat 3% rate for every contractor — projects up to $3M on credit alone.

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ConstructionFlat 3%

Performance & Payment Bond

Required for TN public works over $100K. One flat 3% rate for every contractor — projects up to $3M on credit alone.

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ConstructionFlat 3%

Performance & Payment Bond

Required for Texas public works over $100K. One flat 3% rate for every contractor — projects up to $3M on credit alone.

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ConstructionFlat 3%

Performance & Payment Bond

Required for Utah public construction at 100% of the contract. One flat 3% rate for every contractor — projects up to $3M on credit alone.

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ConstructionFlat 3%

Performance & Payment Bond

Required for VA public works over $500K. One flat 3% rate for every contractor — projects up to $3M on credit alone.

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ConstructionFlat 3%

Performance & Payment Bond

Required on Vermont public works over $100K. One flat 3% rate for every contractor — projects up to $3M on credit alone.

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ConstructionFlat 3%

Performance & Payment Bond

Required for WA public works at $150K and up. One flat 3% rate for every contractor — projects up to $3M on credit alone.

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ConstructionFlat 3%

Performance & Payment Bond

Required for Wisconsin public works under the Little Miller Act. One flat 3% rate for every contractor — projects up to $3M on credit alone.

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ConstructionFlat 3%

Performance & Payment Bond

Required for WY public works over $150K. One flat 3% rate for every contractor — projects up to $3M on credit alone.

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ConstructionFree

Bid Bond

Required with most Alabama public bids. Completely free — consent of surety included, soft pull only.

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ConstructionFree

Bid Bond

Required with most AR public bids. Completely free — consent of surety included, soft pull only.

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ConstructionFree

Bid Bond

Required with most AZ public bids. Completely free — consent of surety included, soft pull only.

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ConstructionFree

Bid Bond

Required with most Colorado public bids. Completely free — consent of surety included, soft pull only.

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ConstructionFree

Bid Bond

Required with most CT public bids. Completely free — consent of surety included, soft pull only.

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ConstructionFree

Bid Bond

Required with most DC public bids. Completely free — consent of surety included, soft pull only.

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ConstructionFree

Bid Bond

Required with most Delaware public bids. Completely free — consent of surety included, soft pull only.

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ConstructionFree

Bid Bond

Required with most FL public bids. Completely free — consent of surety included, soft pull only.

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ConstructionFree

Bid Bond

Required with most GA public bids. Completely free — consent of surety included, soft pull only.

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ConstructionFree

Bid Bond

Required with most Hawaii public bids. Completely free — consent of surety included, soft pull only.

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ConstructionFree

Bid Bond

Required with most Iowa public bids. Completely free — consent of surety included, soft pull only.

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ConstructionFree

Bid Bond

Required with most Idaho public bids. Completely free — consent of surety included, soft pull only.

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ConstructionFree

Bid Bond

Required with most IL public bids. Completely free — consent of surety included, soft pull only.

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ConstructionFree

Bid Bond

Required with most Indiana public bids. Completely free — consent of surety included, soft pull only.

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ConstructionFree

Bid Bond

Required with most KS public bids. Completely free — consent of surety included, soft pull only.

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ConstructionFree

Bid Bond

Required with most KY public bids. Completely free — consent of surety included, soft pull only.

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ConstructionFree

Bid Bond

Required with most LA public bids. Completely free — consent of surety included, soft pull only.

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ConstructionFree

Bid Bond

Required with most MD public bids. Completely free — consent of surety included, soft pull only.

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ConstructionFree

Bid Bond

Required with most ME public bids. Completely free — consent of surety included, soft pull only.

View bond details & apply

ConstructionFree

Bid Bond

Required with most MI public bids. Completely free — consent of surety included, soft pull only.

View bond details & apply

ConstructionFree

Bid Bond

Required with most MN public bids. Completely free — consent of surety included, soft pull only.

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ConstructionFree

Bid Bond

Required with most MO public bids. Completely free — consent of surety included, soft pull only.

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ConstructionFree

Bid Bond

Required with most MS public bids. Completely free — consent of surety included, soft pull only.

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ConstructionFree

Bid Bond

Required with most Montana public bids. Completely free — consent of surety included, soft pull only.

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ConstructionFree

Bid Bond

Required with most NC public bids. Completely free — consent of surety included, soft pull only.

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ConstructionFree

Bid Bond

Required with most ND public bids. Completely free — consent of surety included, soft pull only.

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ConstructionFree

Bid Bond

Required with most Nebraska public bids. Completely free — consent of surety included, soft pull only.

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ConstructionFree

Bid Bond

Required with most NH public bids. Completely free — consent of surety included, soft pull only.

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ConstructionFree

Bid Bond

Required with most NJ public bids. Completely free — consent of surety included, soft pull only.

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ConstructionFree

Bid Bond

Required with most NM public bids. Completely free — consent of surety included, soft pull only.

View bond details & apply

ConstructionFree

Bid Bond

Required with most Nevada public bids. Completely free — consent of surety included, soft pull only.

View bond details & apply

ConstructionFree

Bid Bond

Required with most NY public bids. Completely free — consent of surety included, soft pull only.

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ConstructionFree

Bid Bond

Required with most Ohio public bids. Completely free — consent of surety included, soft pull only.

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ConstructionFree

Bid Bond

Required with most OK public bids. Completely free — consent of surety included, soft pull only.

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ConstructionFree

Bid Bond

Required with most Oregon public bids. Completely free — consent of surety included, soft pull only.

View bond details & apply

ConstructionFree

Bid Bond

Required with most RI public bids. Completely free — consent of surety included, soft pull only.

View bond details & apply

ConstructionFree

Bid Bond

Required with most South Carolina public bids. Completely free — consent of surety included, soft pull only.

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ConstructionFree

Bid Bond

Required with most SD public bids. Completely free — consent of surety included, soft pull only.

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ConstructionFree

Bid Bond

Required with most TN public bids. Completely free — consent of surety included, soft pull only.

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ConstructionFree

Bid Bond

Required with most Texas public bids. Completely free — consent of surety included, soft pull only.

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ConstructionFree

Bid Bond

Required with most Utah public bids. Completely free — consent of surety included, soft pull only.

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ConstructionFree

Bid Bond

Required with most VA public bids. Completely free — consent of surety included, soft pull only.

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ConstructionFree

Bid Bond

Required with most Vermont public bids. Completely free — consent of surety included, soft pull only.

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ConstructionFree

Bid Bond

Required with most WA public bids. Completely free — consent of surety included, soft pull only.

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Trusted by industry leaders

FAQ

Common questions.

What is a surety bond?A three-party guarantee: you (the principal) promise a government agency or project owner (the obligee) that you will meet a legal or contract duty, and an insurance company (the surety) backs that promise. If you do not, the surety pays a valid claim and you repay the surety. Licenses, permits, courts and construction contracts all require them.

How is a surety bond different from insurance?Insurance protects you. A surety bond protects the party that requires it: the agency, court or project owner. If the surety pays a claim on your bond, you repay it, so the bond is a guarantee of your performance rather than cover for your losses.

What types of surety bonds are there?Light RFP writes 7,490 surety bonds, grouped as licensing (2,012), construction (2,912), auto (424), hospitality (224), tax & financial (1,104), court (405), agriculture (319) and government (90). License and permit bonds back a license or permit; contract bonds (bid, performance and payment) back a construction job; court bonds back an appeal, an estate or an injunction. Each bond has its own page with the agency that requires it and the amount.

How much does a surety bond cost?It depends on the bond. Bid bonds are free. Contract performance and payment bonds are a flat 3% of the contract amount, $275 minimum. 6,864 license, permit and other bonds are priced on their own page, starting from $40, either a fixed price or a percentage of the bond amount, and that price is what you pay at checkout. 484 are underwritten and quoted after a short review.

Is there a credit check for a surety bond?It depends on the bond and the amount. Of the 7,490 bonds here, 3,126 collect no credit information, at the amount sold or up to the amount the bond page states; 2,180 collect none up to a stated amount, with a soft pull above it; 1,514 run a soft pull, or ask for a Social Security number, for some or all applicants. Each bond page states its own line, read from the carrier’s application form.

How fast is a surety bond issued?6,864 bonds are priced on the page and issued when you pay, with the e-signed bond delivered by email; if a soft credit check needs a second look, one to two business days at most. Bid bonds come back within 48 hours. Performance and payment bonds issue after a short underwriting review, and underwritten bonds come back from an underwriter in one to two business days.

Are bid bonds really free?Yes. Light RFP bid bonds are $0, with no premium and no fee, in every state we write, and the bond comes back within 48 hours. The same application prequalifies you for the performance and payment bond if you win the job.

Which states does Light RFP write surety bonds in?46 states and the District of Columbia, plus federal bonds. California, Massachusetts, Pennsylvania and West Virginia are coming soon. Pick your state on this page to see every bond we write there.

Which carriers underwrite Light RFP surety bonds?Typically Arch Insurance Company (A.M. Best A+) or Nationwide Mutual Insurance Company (A.M. Best A). Which one writes your bond depends on the bond type and your state. The carrier's name and official signature are printed on the bond you receive.

What happens if someone makes a claim on my bond?The claim comes from the party the bond protects, the obligee named on the form, when the duty the bond guarantees is not met. The surety investigates and pays a valid claim, up to the bond amount. You then repay the surety.

How long does a surety bond last?The carrier sets the term on its application, and some states fix a renewal date for every bond of a type; each bond page states its term. Renew before the expiry date: the license or permit behind the bond expects continuous coverage. Contract and court bonds run until the job or the case ends.

How do I get one?Pick your state on this page, then your bond: its page names the agency that requires it, the bond amount and the price. Apply online on that page; you see the price before you pay.

How do I contact Light RFP about a surety bond?Email insurance@lightrfp.com. It reaches the bond team at Light RFP Risk Management Services LLC (NY DFS License # PC-1978982). Write to us about quotes, applications, bond forms or certificates. We will respond within 24 hours.

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