KY grain dealer & warehouseman bonds.
Flat 3%. Soft pull.

Kentucky licenses grain dealers and grain warehousemen through the Department of Agriculture and conditions each license on a surety bond. The amount is tied to your prior-year grain volume, and we issue it at a flat 3% with one soft credit pull. Enter the amount your license requires and the premium updates.

Required for your KY grain dealer or warehouseman license — buyers, sellers, and warehouse operators
Amount set by the Department of Agriculture — based on the grain you purchased or stored last year
Soft credit pull only — never affects your score, and the rate stays 3% either way
A-ratedA.M. Best carriers1–2 daystypical issuanceSoft pullnever affects your score
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Capital
McKinney
Terra
JLL
Triple Five
Georgetown
How it works

Three steps to licensed.

Your grain license is waiting on this bond. Here's the entire process — no broker phone tag:

TODAY · 5 MINUTES

Apply once, online

Business details, your grain dealer number and county, the bond amount, and an effective date — plus a one-time consent to a soft credit pull.

WITHIN 48 HOURS

Reviewed & approved

Most of these clear quickly; if underwriting needs anything, you hear from an underwriter within 48 hours. The credit check is a soft pull that never affects your score.

1–2 BUSINESS DAYS

E-sign & file with the Department of Agriculture

Pay online and receive the executed bond ready to file with your grain dealer or warehouseman license. Wet-ink originals mailed whenever the state insists.

The whole pricing page.

Bond amount × 3% = your premium, one-time, $275 minimum. Enter the figure the Department of Agriculture set and the premium updates.

$50,000 bond
$1,500
$100,000 bond
$3,000
$250,000 bond
$7,500
About this bond

What it is and who needs it.

What the grain bond actually covers

Kentucky licenses grain dealers — buyers and sellers of grain for resale, milling, or processing — and grain warehousemen — operators of public grain warehouses — through the Department of Agriculture. Each license is conditioned on a separate surety bond running to the Commonwealth for the benefit of producers who sell or store grain.

The bond is a producer-protection guarantee: if a dealer fails to pay for grain it bought, or a warehouseman fails to deliver stored grain or its value, the harmed producer can recover against the bond. The amount is scaled to the volume of grain you handled the prior year, which is why it runs from a few thousand dollars up to seven figures.

It is not insurance for you — if the surety pays a claim, you repay the surety. Enter the amount the Department of Agriculture set on your license, and we issue it at a flat 3% with a single soft credit pull.

KRS 251.365 et seq. (Grain Dealers & Warehousemen)Kentucky grain dealers and grain warehousemen are licensed by the Department of Agriculture under KRS Chapter 251, and KRS 251.365 (with KRS 251.440 for warehouse applications) conditions each license on a surety bond running to the Commonwealth for the benefit of producers. The amount is set by the Department based on the grain purchased or stored in the prior year. Confirm the figure on your license — send it to us and we'll issue it.

You need this bond if you're

Applying for a KY grain dealer license — buying or selling grain for resale, milling, or processing
Applying for a grain warehouseman license — operating a public grain warehouse
Renewing your license and your bond amount changed with last year's volume
Adding a location the Department of Agriculture ties to a separate bond filing

Five minutes. The whole thing.

These are the actual underwriting fields, including a one-time consent to a soft credit pull. Submit once and your bond is typically issued within 1–2 business days.

Start the application →
FAQs

Common questions.

If yours isn't here, the bond team can usually answer within the hour.

How much is the Kentucky grain dealer or warehouseman bond? +
The premium is a flat 3% of the bond amount, with a $275 minimum. The amount itself is set by the Department of Agriculture, scaled to the grain you purchased or stored the prior year — enter that figure and the quote updates.
Do I need a separate bond as both a dealer and a warehouseman? +
Generally yes — Kentucky licenses grain dealers and grain warehousemen separately, and each license is conditioned on its own bond. If you hold both, send us both license figures and we'll issue both.
What does the bond protect against? +
It protects grain producers: if a dealer fails to pay for grain it bought, or a warehouseman fails to deliver stored grain, the producer can claim against the bond. If the surety pays, you repay the surety.
Is there a credit check? +
Yes — one soft credit pull, which never affects your score. It's the only extra step beyond the application, and it informs approval, not price. The rate is a flat 3% either way.
When does it renew? +
Terms run 1, 2, or 3 years. Your bond amount can change at renewal as your prior-year volume changes — we'll confirm the new figure with you. The bond must stay active for your license to stay valid.
Related bonds

Other New York bonds.

The Department of Agriculture is waiting on one document.

Flat 3%, five-minute application, e-signed bond in 1–2 business days. Free until issued.

Your premium @ 3%$1,500
Apply now →