Hawaii collection agency bonds.
From $100.
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Hawaii requires every registered collection agency to file and maintain a surety bond with the director of commerce and consumer affairs under HRS 443B-5: $25,000 for your first office in the State and $15,000 for each additional office. The premium is 0.5% of the bond amount, $100 minimum ($125 on a $25,000 bond).
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How much does a Hawaii collection agency bond cost?
0.5% of the bond amount, from $100. Enter your amount in the calculator for the exact price.
Three steps. One sitting.
No underwriting queue for the Hawaii collection agency bond — enter your amount, pay, and file with the DCCA. Here is the whole thing:
Apply online
Business details, your bond amount, an effective date, and a term. That is the application. No credit check up to $25,000.
Pay & e-sign
The premium is 0.5% of the bond amount with a $100 minimum, priced at checkout — the bond issues the moment you pay, and your executed bond and power of attorney generate on the spot.
File with the DCCA
Your executed bond arrives by email, ready to file with your collection agency registration at the Department of Commerce and Consumer Affairs. Wet-ink original mailed on request.
What it is and who needs it.
What the bond actually guarantees
Hawaii registers collection agencies through the Department of Commerce and Consumer Affairs, and HRS 443B-5 requires each agency to file and maintain a bond with the director — $25,000 for the first office in the State and $15,000 for each additional office, written by a surety authorized to do business in Hawaii and running to the State.
It's a three-party arrangement: you (the principal), the surety carrier, and the State of Hawaii (the obligee). The bond is conditioned on the agency faithfully, promptly, and truly accounting to its clients — paying over, within thirty days after each calendar month, the net proceeds due on all collections made during that month.
It is not insurance for you — if the surety pays a claim, you repay the surety. The bond has to stay continuously on file for the registration to stay in good standing; we track the term and send renewal notices 60 and 30 days out.
You need this bond if you're
Claims, renewal, filing, and what sets the price.
If a claim is made
A 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: a surety bond is a guarantee of your performance, not insurance for you.
Renewal and term
The premium covers a one-year term from the effective date you choose.
Renew before the expiry date to keep the bond in force: the license, permit or contract it backs expects continuous coverage.
How to file it
File with the DCCA. Your executed bond arrives by email, ready to file with your collection agency registration at the Department of Commerce and Consumer Affairs. Wet-ink original mailed on request.
What sets the price
The premium is 0.5% of the bond amount, $100 minimum: the amount the obligee sets moves the price, not your business profile.
No credit check up to $25,000. Above that, the carrier may run a soft pull, which never affects your score.
Where a check runs, it decides approval; the rate is the same for everyone approved.
One application, issued instantly.
These are the actual issuing fields — business details, your bond amount, an effective date, and a term. That is the application.
Start the application →Common questions.
Other Hawaii bonds.
The same bond in nearby states.
Price and requirements checked on the carrier’s application, . Page updated .
Finish your agency registration today.
0.5% of the bond amount, $100 minimum, issued the moment you pay. Free until issued.