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Performance bonds in 24 hours. Instant approval for license bonds. A-rated carriers nationwide.
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Construction & Contract Bonds
Performance and payment bonds for federal, state, and private construction projects. Miller Act compliant. 24-hour approval. Rates from 0.5%.
$2.2 trillion construction market • Miller Act compliant
Need both bonds for a federal project?
Get Performance & Payment Bonds together with ONE application and ONE premium. Miller Act requires both on contracts over $150,000.
Get Combined P&P Quote →How to Buy Surety Bonds in Three Simple Steps
From application to bond in hand - our team of licensed agents get right to work getting your bond approved
Tell Us What You Need
Select your bond type and state. Our team of licensed agents get right to work identifying requirements and options for your online surety bond.
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Instant issue for qualifying bonds. Our licensed agents work quickly to get your bond approved - no waiting, no uncertainty.
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Pay securely online and download your official instant surety bond immediately. We file it with the state if needed when you buy a surety bond from us.
Turn Bonding From Business Barrier Into Competitive Advantage
While competitors wait weeks for approval, you win contracts. See the difference digital bonding makes.
The Old Way
Result: Average 15-day approval time, lost contracts, higher costs
The BuySuretyBonds.com Way
Result: Instant approval available, 1-day guarantee for others, transparent pricing
24-Hour Approval Bonds
Underwriting required • Guaranteed decision within 1 business day
Instant Bond Approval
No credit check for instant bonds • Immediate certificate download
1 Business Day Approval Bonds
Underwriting required • Guaranteed decision within 24 hours
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Start with our complete guide to surety bonds or explore by state, industry, or bond type
Popular Bond Types
Required in 30 states - Texas, California, Florida
All 50 states - California, Texas, Florida
Federal contracts, construction projects $100K+ - infrastructure boom
Executor, administrator, guardian, trustee bonds
Construction Bonds
State requirements by trade - required before bidding on projects
Project completion guarantee - often paired with payment bonds
Required for contract bidding - 5-20% of bid amount
Top States & Tools
$10,000 bond • 4-year term • Instant approval
$25,000 bond • CSLB requirement • Fast approval
$10K-$20K bonds • DBPR licensed • Quick processing
Instant estimates for all bond types
Find Your Bond
Construction Bonds
The complete bonding solution for contractors and construction companies
Performance Bonds
Project completion guarantee for federal, state & private work
Payment Bonds
Subcontractor and supplier protection
P&P Combined
Both bonds, one application → Best for federal
Bid Bonds
Required to submit competitive bids
Contractor License
State licensing requirement
Maintenance Bonds
Post-completion warranty coverage
Popular Bonds by State
Tools & Resources
Get instant cost estimates for any bond type
Calculate Cost →Not sure which bond you need? Answer a few questions
Find My Bond →Guides, FAQs, and resources to help you understand bonds
Learn More →2024 Market Reality: Why Digital Bonding Wins
Current market data from leading industry experts reveals the transformation driving the $22.3 billion surety industry
What Industry Leaders Are Saying About Digital Transformation
"The surety market has been very strong for many years, but the boost has come from the infrastructure package that came out in 2021. This is profitable growth. For insurance companies, surety is one of the most profitable lines of business."- Karl Choltus, National Surety Practice Leader at Brown & Brown
"73% of surety companies are investing in digital platforms, while 68% of clients prefer receiving bonds digitally."- Willis Towers Watson 2024 Market Report
"Early and frequent communication of the size and timing of an expected request for increased capacity is the key. Be sure to have a sound plan that will address not only the financial impacts, such as cash flow needs, but also outline how this increase will be managed."- David Pesce, Head of Surety at Munich Re Specialty—North America
Sources: Market Research Future, Willis Towers Watson, Brown & Brown, Munich Re Specialty
Industry-Leading Technology Meets Financial Strength
Backed by Treasury-listed A- minimum carriers and cutting-edge AI that eliminates traditional bonding delays - turning compliance into competitive advantage
Treasury-Listed A- Minimum Carriers
Partners include Travelers, Liberty Mutual, and other top-rated carriers - only working with A- minimum rated, Treasury-approved sureties
True AI-Powered Processing
Qualifying bonds approved instantly, most others within 1 business day—while competitors wait weeks
Serving Federal & State Markets
Treasury Circular 570 listed for federal work, serving all 50 states with $250K+ paid-up capital requirement
Multi-Market Rate Optimization
Our AI compares rates across multiple A- minimum rated carriers to guarantee lowest available pricing for your risk profile
Bank-Level Security Standards
256-bit SSL encryption, SOC 2 Type II certified, PCI DSS compliant with annual security audits
Transparent Pricing Model
No hidden fees, no surprises - direct loss ratio of 21% proves our fair pricing vs industry standards
Expert Content: Information reviewed and verified by licensed insurance producers. Licensed in all 50 states with specialization in surety bond requirements.View credentials
Financial Strength & Regulatory Compliance
Meeting the highest industry standards with A- minimum AM Best ratings, Treasury Department approval, and comprehensive state licensing. Learn more about bonding requirements from the U.S. Department of Labor.
Certified Carriers
Bank-Level Security
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Serving
Partners Only
Common Questions About Getting Bonded Online
Get straight answers to the most frequently asked questions about instant bonding
What is a surety bond?
A surety bond is a legally binding three-party agreement that guarantees performance of an obligation. The three parties are: (1) the principal (person/business required to get bonded), (2) the obligee (entity requiring the bond, like a government agency), and (3) the surety (insurance company that backs the bond financially). Surety bonds guarantee compliance with laws, contract completion, or financial obligations. Unlike insurance, the principal must reimburse the surety for any claims paid. Common types include contractor license bonds, notary bonds, freight broker bonds, and court bonds.
How does a surety bond work?
A surety bond works like a financial guarantee. When you purchase a bond, the surety company backs your promise to fulfill an obligation. If you fail to meet that obligation (break contract terms, violate regulations, cause financial harm), the injured party can file a claim against your bond. The surety investigates and may pay valid claims up to the bond amount. However, unlike insurance, you must then reimburse the surety for the full claim amount plus costs. Think of it as a line of credit for your obligation - the surety guarantees payment, but you're ultimately responsible.
Who needs a surety bond?
Surety bonds are required by government agencies, courts, or contract terms in numerous situations: (1) Contractors need license bonds to obtain state licensing, (2) Freight brokers need $75,000 BMC-84 bonds for FMCSA authority, (3) Notaries need bonds for commission in most states, (4) Auto dealers need bonds for DMV licensing, (5) Construction contractors need performance bonds for project contracts, (6) Executors/guardians need fiduciary bonds for estate management, (7) Businesses need various permit, tax, and specialty bonds. Overall, 25,000+ different surety bond types exist across all 50 states.
Is a surety bond insurance?
No, a surety bond is NOT insurance. Key differences: (1) Insurance protects you from risk; a bond protects others from your failure to perform, (2) Insurance claims don't require repayment; bond claims must be fully repaid to the surety, (3) Insurance is two-party (you and insurer); bonds are three-party (principal, obligee, surety), (4) Insurance covers unforeseen events; bonds guarantee known obligations. However, surety companies ARE insurance companies - they just offer bonds instead of traditional insurance policies. You still need insurance (general liability, workers comp, E&O) even when bonded.
How long does a surety bond last?
Surety bond terms vary by bond type: (1) License bonds (contractor, notary, dealer) remain active for the license term (1-4 years) and must be renewed continuously, (2) Contract bonds (performance, payment, bid) last for the project duration plus 1-2 years warranty period, (3) Court bonds (fiduciary, probate) last until the court releases the obligation (estate settled, guardianship ended), (4) Some bonds are perpetual (continuous) until canceled - like freight broker BMC-84 bonds. Most bonds require annual premium payments even for multi-year terms. Failing to renew a license bond results in automatic license suspension.
Where can I purchase a surety bond online?
You can buy a surety bond online directly through BuySuretyBonds.com in all 50 states. Our platform offers instant approval for qualifying bonds and processes most other bonds within 1 business day—while competitors often take weeks.
Can I get same day surety bonds?
Yes! We offer same day surety bonds for qualifying bond types. Notary bonds, contractor license bonds under $25,000, and many license & permit bonds receive instant approval with same-day issuance. Download your bond certificate immediately.
How do I get surety bond quotes online?
Get surety bond quotes instantly through our online platform. Select your bond type and state, enter the bond amount, and receive real-time pricing from multiple A- minimum rated carriers. Free quotes in seconds—no obligation to purchase.
What types of bonds can I get instantly?
Notary Public Bonds, most Public Official Bonds up to $10,000, Contractor License Bonds up to $25,000 (without performance/payment conditions), and some Defective Title Bonds can be issued instantly without underwriting.
How much do surety bonds cost?
Surety bond costs vary by type and amount. Notary bonds start at $40-$100, contractor license bonds cost 1-3% of bond amount, freight broker bonds range $938-$15,000 annually, and performance bonds cost 0.5-4% of contract value. Use our calculator for instant estimates.
Which bonds require underwriting approval?
Motor Vehicle Dealer Bonds, Freight Broker Bonds (BMC-84), DMEPOS Bonds, Tax and Fee Bonds over $10,000, Probate Bonds, and California Contractor Bonds require underwriter review and approval within 1 business day.
Are you a licensed surety bond company?
Yes, we are a licensed surety bond company with insurance producers serving all 50 states. All bonds meet state-specific requirements and are issued through carriers on the U.S. Treasury's approved list of certified surety companies.
Do all bonds require a credit check?
No. Instantly issued bonds like Notary Bonds and most Public Official Bonds don't require credit checks. Only bonds requiring underwriting will need a soft credit check for pricing (which won't affect your credit score).
How long does underwriting take?
Most bonds receive an underwriting decision within 1 business day via email—significantly faster than industry standard of weeks.
How do I pay for my bond?
Payment is done via debit card, credit card, or PayPal and must be completed before the bond processes. All payments are secure and encrypted.
When is my bond available after payment?
The bond is immediately available for download after payment is completed. You'll receive your bond certificate via email instantly.
What documents might be required?
Depending on the bond type, you may need Certificates of Insurance, Business or Personal Financial Statements, Court Documents, or Proof of Ownership documents. Requirements vary by bond type.
Purchase Surety Bonds Online - Your Competitive Advantage
While competitors wait weeks for approval, you win contracts. Buy surety bonds with instant approval for qualifying bonds, most others within 1 business day.
Buy your bond instantly online • No lengthy forms required