Tennessee modular manufacturer bonds.
$1,000 flat.
Tennessee requires every licensed manufacturer of modular building units to file a $100,000 surety bond with the Department of Commerce & Insurance. Ours is $1,000 flat — set by our carrier's rate book for this bond, the same for every manufacturer. A quick soft credit check may apply; the bond is issued when you pay.
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How much does a Tennessee modular manufacturer bond cost?
$1,000 at the $100,000 amount, the same for every applicant.
Three steps to licensed.
Your modular manufacturer license is waiting on this bond. Here's the whole process — no broker phone tag:
Apply once, online
Business details, owner information, effective date. That is the application — the only extra step is a one-time consent to a soft credit pull.
Approved
Most are approved as soon as you apply. Any credit check that runs is a soft pull that never affects your score. If it needs a second look, one to two business days at most.
E-sign & file with Commerce & Insurance
Pay online and receive the executed bond on the state form, ready to file with your modular manufacturer license application or renewal. Wet-ink originals mailed on request.
What it is and who needs it.
What the bond actually guarantees
Tennessee regulates factory-built modular construction under the Modular Building Act, administered by the Department of Commerce & Insurance. A modular manufacturer license is conditioned on a $100,000 surety bond for the benefit of anyone who suffers loss from code-related non-compliance with the Act or its rules.
It's a three-party arrangement: you (the principal), the surety carrier standing behind you, and the State of Tennessee together with anyone harmed by a non-compliant unit (the protected parties). If a manufacturer ships units that violate the code provisions of the Act, a harmed party can recover against the bond.
A separate bond is required for each place of business you operate. The bond is not insurance for you — if the surety pays a claim, you repay the surety. We track the filing and notify you 60 and 30 days out so the license never lapses over a missed renewal.
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 $100,000 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; a longer term is the same price per year, chosen at checkout.
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
E-sign & file with Commerce & Insurance. Pay online and receive the executed bond on the state form, ready to file with your modular manufacturer license application or renewal. Wet-ink originals mailed on request.
What sets the price
The premium is fixed at $1,000 at the $100,000 amount for every applicant: the carrier’s rate book prices this bond by the form, not by your credit or your business profile.
One soft credit pull, never a hard inquiry, and it 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 underwriting fields; a soft credit check may run as part of review. Submit once and your bond is issued when you pay.
Start the application →Common questions.
Other Tennessee bonds.
Been told you need a different amount?
Price and requirements checked on the carrier’s application, . Page updated .
Commerce & Insurance is waiting on one document.
$1,000 flat, short application, bond issued when you pay. Free until issued.