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North Carolina DOT encroachment bonds, form R/W 16.
From $100.

The performance and indemnity bond NCDOT can require before an installation in a highway right-of-way, filed by the second-party encroaching applicant on form R/W 16 — the property owner or utility, rather than the contractor. Pricing starts from $100, and no credit check up to $50,000.

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Filed by the second-party encroaching applicant on NCDOT form R/W 16 — the owner or utility, not the contractor
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Indemnifies NCDOT for damage to the right-of-way from the installation under the encroachment agreement
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1% of the bond amount, $100 minimum — enter the required amount and see your price
1% of bond amount$100 minimumNo credit check up to $50,000above that, a soft pull at most, never a hard inquiryInstantapproval for most
Trusted by industry leaders
New York City Economic Development Corporation (NYCEDC)
Blumenfeld Development Group (BDG)
Capital Development Partners
McKinney Properties
Terra Capital
JLL (Jones Lang LaSalle)
Triple Five Group
The Georgetown Company
New York City Economic Development Corporation (NYCEDC)
Blumenfeld Development Group (BDG)
Capital Development Partners
McKinney Properties
Terra Capital
JLL (Jones Lang LaSalle)
Triple Five Group
The Georgetown Company
Price

How much does a North Carolina DOT encroachment bond cost?

1% of the bond amount, from $100. Enter your amount in the calculator for the exact price.

How it works

Three steps. One sitting.

No underwriting queue for the standard encroachment bond — enter your amount, pay, and file with the NCDOT encroachment agreement. Here is the whole thing:

TODAY · ONLINE

Apply online

Your business details, the bond amount NCDOT required, and the effective date — that is the application.

INSTANTLY

Issued on the spot

No credit check up to $50,000. Above $50,000, a soft pull may add a short review.

SAME DAY

File with NCDOT

Submit the executed R/W 16 with your encroachment agreement to the NCDOT division or Utilities Unit handling the permit. Wet-ink originals mailed whenever the state insists.

About this bond

What it is and who needs it.

What the encroachment bond actually covers

When you place an installation within a North Carolina highway right-of-way, NCDOT requires an encroachment agreement and can require a performance and indemnity bond as a condition of it. The bond indemnifies NCDOT for any damage to the right-of-way caused by the installation.

NCDOT does not dictate who posts the bond — the contractor or the encroaching party. This page is the second-party applicant's version, form R/W 16, filed when the encroaching owner or utility carries the bond directly rather than the contractor.

When the work is finished you request release; NCDOT inspects, and if the right-of-way is restored, the bond is released. If deficiencies remain unaddressed, NCDOT can call the bond, and if the surety pays you repay the surety. We issue the amount NCDOT set; pricing is variable and starts from $100, and no credit check up to $50,000.

NCDOT encroachment agreement — Form R/W 16NCDOT may require a performance and indemnity bond as a condition of a highway encroachment agreement, to indemnify the Department for damage to the right-of-way. Form R/W 16 is the second-party (encroaching applicant) version, filed by the owner or utility rather than the contractor. NCDOT leaves the choice of who posts the bond to the applicants. Confirm the amount on your encroachment agreement.

You need this bond if you are

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The encroaching applicant — property owner or utility — under an NCDOT agreement
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Placing utilities, drives, or drainage within highway right-of-way
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Asked by NCDOT to post a bond as a condition of your encroachment permit
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Carrying the bond yourself rather than having your contractor file R/W 16A
After you buy

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 NCDOT. Submit the executed R/W 16 with your encroachment agreement to the NCDOT division or Utilities Unit handling the permit. Wet-ink originals mailed whenever the state insists.

What sets the price

The premium is 1% of the bond amount, $100 minimum: the amount the obligee sets moves the price, not your business profile.

No credit check up to $50,000. 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 on the spot.

Submit the application with the bond amount NCDOT set — the executed R/W 16 is generated instantly, ready to file with your encroachment agreement. No credit check up to $50,000.

Start the application →
FAQ

Common questions.

How much is the NC encroachment bond?Pricing is 1% of the bond amount, with a $100 minimum. NCDOT sets the bond amount on your encroachment agreement, sized to the work and the risk to the right-of-way. Enter that figure at the application to see your exact price.
What is the difference between R/W 16 and R/W 16A?R/W 16 is filed by the second-party encroaching applicant (the property owner or utility); R/W 16A is filed by the contractor doing the work. NCDOT lets the parties decide who posts the bond. This page is the applicant's R/W 16.
Is there a credit check?No credit check up to $50,000. Above that, the carrier may run a soft pull, which never affects your score. Most applications approve instantly.
What does the bond protect against?It indemnifies NCDOT for damage to the highway right-of-way caused by the installation. When the work is done and the right-of-way is restored, NCDOT releases the bond; if deficiencies remain, NCDOT can call it, and you repay the surety.
Where do I file it?With the NCDOT division or Utilities Unit handling your encroachment agreement. We issue the executed R/W 16 ready to submit with the agreement.
Which A-rated carriers underwrite these 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.
How do I contact Light RFP about this 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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Price and requirements checked on the carrier’s application, . Page updated .

Encroachment bond, issued today.

Pricing from $100. Enter the amount NCDOT set and file the same day.

Your premiumfrom $100
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