Complete Surety Bonds Directory
Navigate surety bond requirements across all 50 states. The US surety market reached $19.62B in 2024 with 6.8% growth, driven by $1.7T in federal infrastructure investment.
Do I Need a Bond for My Business?
Understanding when and why your business might need a surety bond
This video explains the most common situations where businesses need surety bonds and how to determine if your business requires bonding.
Get Your Bond QuoteUS Surety Bond Market Intelligence
The surety industry maintains 35% profit margins, significantly outperforming the broader P&C insurance average of 12.8% according to AM Best
"Now more than ever, we believe in the importance of bipartisan cooperation to advance our industry's top priorities before Congress, the Administration, and the States."
— Ryan Work, President & CEO, Surety & Fidelity Association of America (SFAA) - representing 98% of surety writers per Insurance Journal
Understanding Surety Bond Requirements Across America
With thousands of different surety bond requirements across the United States, finding the right bond for your business can be overwhelming. This comprehensive directory organizes all bond types by state and category, making it easy to find exactly what you need.
Why Surety Bonds Matter
Surety bonds protect consumers and ensure businesses comply with regulations. The $1.7T federal infrastructure investment through programs like the Infrastructure Investment and Jobs Act (IIJA) has created unprecedented demand for construction and performance bonds. The U.S. Treasury maintains the official list of certified surety companies authorized to write federal bonds.
License & Permit Bonds
Required for business licensing and permits. Many offer instant approval with no credit check needed.
Contract Bonds
Required for construction and service contracts. Protect project owners and ensure contract completion.
View All Contract Bonds →Fiduciary Bonds
Court-required bonds for trustees, executors, guardians, and administrators managing others' assets.
Most Popular Surety Bond Types
These bonds represent over 80% of all surety bond applications
Bonds by State
Premium volume concentration follows construction activity and regulatory complexity, with these states generating the highest surety bond revenues
State Bond Requirements Vary Dramatically
Arkansas leads with 212 barriers to work and 180 licensed occupations requiring bonds. California recently raised contractor bonds to $25,000, while Alabama requires the nation's highest notary bond at $50,000.
AR, TX, AL, OK, WA
CA, TX, FL, NY
California
156 bond types
Raised contractor bonds to $25,000 in 2023
Texas
142 bond types
180 licensed occupations require bonds
Florida
134 bond types
Dual-tier contractor system ($10K-$20K)
New York
128 bond types
Highest court bond requirements
Illinois
118 bond types
Pennsylvania
112 bond types
Calculate Your Bond Cost
Get instant cost estimates for performance bonds and contractor license bonds, or learn about comprehensive pricing in our detailed cost guide
Industry Insights & Expert Analysis
Leading voices in the surety industry share perspectives on market evolution and digital transformation
"AI and machine learning are transforming bond underwriting. What used to take days now takes minutes, dramatically improving access for small contractors."
"The infrastructure bill has created unprecedented opportunities. We're seeing contractors expand their bonding capacity by 300-400% to meet demand."
"Digital bonds are the future. We've reduced bond issuance time from 3-5 days to under 10 minutes for qualified applicants."
2025 Surety Market Outlook
Federal infrastructure spending continues to drive 15%+ annual growth in contract surety
Find Your Bond in Seconds
Search our comprehensive database of bond types or get expert guidance
Frequently Asked Questions
A surety bond is a three-party agreement that financially guarantees you'll meet specific obligations. The three parties are you (principal), the entity requiring the bond (obligee), and the insurance company backing the bond (surety).
Surety bond costs typically range from 1-15% of the bond amount annually. Factors include bond type, amount, your credit score, business financials, and industry experience. License bonds often have lower rates than contract bonds.
Contractor license bonds (up to $25K), notary bonds, and some permit bonds offer instant approval with no credit check required. Contract bonds like performance and payment bonds require underwriting.
You need a surety bond if required by law, regulation, or contract. Common requirements include contractor licensing, business permits, court proceedings, and construction contracts.
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