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Illinois Surety Bonds

Illinois Surety BondsState Bonds Meet City Requirements

Illinois splits contractor bonding between the state and its municipalities. At the state level, only roofers and plumbers carry mandatory bonds. But Chicago, Springfield, and dozens of other cities layer on their own contractor bonding rules. Mix in two tiers of notary bonds ($5,000 for traditional, $30,000 for remote online), auto dealer bonds, and IDFPR financial services bonds, and Illinois has one of the more complex bonding landscapes in the Midwest. We handle all of it.

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Official Illinois Requirements

"Every person appointed a notary public shall execute a bond in the penal sum of five thousand dollars... or thirty thousand dollars for remote online notarization."
Illinois Secretary of State • Illinois Notary Public Act
2 Tiers
Notary Bond Amounts
$40+
Starting Cost
1 Day
Typical Approval
102
Counties Served

Most-Requested Illinois Bonds

State and municipal bonds in the right format

Illinois Notary Bonds

Starting at $40

Standard notary bonds are $5,000 under the Illinois Notary Public Act. Electronic and remote online notaries need a $30,000 bond. Filed with the Secretary of State.

  • $5,000 standard bond
  • $30,000 e-notary bond
  • 4-year term
  • Instant approval
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Illinois Contractor Bonds

Starting at $100

Illinois has no statewide general contractor bond, but licensed roofers and plumbers must be bonded at the state level. Chicago and other municipalities add their own contractor bond requirements.

  • Roofer bonds (statewide)
  • Plumber bonds (statewide)
  • Chicago city bonds
  • Municipal bonds
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Illinois Court Bonds

Quote required

Probate bonds, appeal bonds, and fiduciary bonds for Illinois circuit courts. Cook County and downstate courts each have specific filing procedures.

  • Cook County courts
  • Downstate circuits
  • Probate & estate
  • Appeal bonds
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Illinois License & Permit Bonds

Varies by type

Auto dealer bonds, residential mortgage license bonds under IDFPR, collection agency bonds, and local business permit bonds across Illinois municipalities.

  • Auto dealer bonds
  • IDFPR mortgage bonds
  • Collection agency
  • Tax bonds
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How to Get Your Illinois Bond

1

Identify Your Requirement

Tell us your bond type and where you work. We will confirm whether your obligation is state-level (roofer, plumber, notary) or municipal (Chicago, Springfield, etc.).

2

Get Quoted Same Day

We shop multiple A-rated carriers to find you the best rate. Notary bonds are approved instantly. Contractor and license bonds typically come back the same business day.

3

Download Your Bond

Receive your bond in the format required by the Secretary of State, IDFPR, or local building department. We handle the filing if needed.

All Illinois Bond Categories

Construction Bonds

Court & Fiduciary

Business & Professional

Serving Businesses Across Illinois

Chicago
Aurora
Naperville
Joliet
Rockford
Springfield
Elgin
Peoria
Champaign
Waukegan
Cicero
Bloomington

Illinois Surety Bond Questions

State-level and municipal bonding rules explained

Which Illinois contractors need a surety bond at the state level?
Only licensed roofers and plumbers are required to carry a state-level contractor license bond in Illinois. The Roofing Industry Licensing Act requires roofers to be bonded, and the Illinois Plumbing License Act requires the same for plumbers. General contractors, electricians, and other trades are not bonded at the state level, but may face bonding requirements from individual cities and counties.
What is the difference between a $5,000 and $30,000 Illinois notary bond?
The $5,000 bond covers standard in-person notarial acts under the Illinois Notary Public Act. The $30,000 bond is required for notaries who perform remote online notarizations (RON) or electronic notarizations. If you plan to notarize documents remotely via audio-visual technology, you need the higher bond amount. Both bonds are filed with the Illinois Secretary of State.
Does the City of Chicago require separate contractor bonds?
Yes. Chicago has its own contractor licensing and bonding requirements that are separate from state requirements. General contractors working in Chicago must obtain a city license and may need to post a bond with the Chicago Department of Buildings. The bond amount depends on the type of work and the contractor classification. Other Illinois cities like Springfield, Peoria, and Rockford also have their own local bonding rules.
How much does an Illinois auto dealer bond cost?
Illinois requires a $50,000 surety bond for motor vehicle dealers, filed with the Secretary of State. Dealers with strong credit (700+) typically pay $500-$1,500 per year. Dealers with credit challenges may pay $2,500-$5,000 per year. The bond protects consumers from fraud, failure to deliver titles, and other violations of the Illinois Vehicle Code.
What are IDFPR bond requirements for mortgage companies?
The Illinois Department of Financial and Professional Regulation (IDFPR) requires mortgage licensees to maintain a surety bond as part of their licensing. Bond amounts are set based on the volume of loans originated and the type of license held. These bonds are filed through the NMLS system and must be issued by a surety authorized to do business in Illinois.
Can I get an Illinois surety bond with bad credit?
Yes. Notary bonds require no credit check. For contractor bonds and license bonds, applicants with credit scores below 600 can still get approved, though premiums will be higher -- typically 5-10% of the bond amount rather than the 1-3% that strong-credit applicants pay. We partner with sureties that work with all credit profiles.

Official Illinois Resources

Government sources for Illinois bond requirements

Illinois SOS -- Notary Public Bond Information (PDF)

Official bond requirements for traditional and remote online notaries

IDFPR -- Surety Bond Requirements (PDF)

Financial services bond requirements for mortgage and finance licensees

Written by BuySuretyBonds.com
Surety bond specialists operating nationwide with direct integrations to Treasury-certified surety carriers. Our platform enables instant approval for license and notary bonds, with 24-48 hour underwriting for commercial bonds. All content is researched from official state and federal sources (.gov) and reviewed by bond industry experts.

Other Illinois Bonds

Additional surety bonds available in Illinois

Illinois Notary Bond

Notary public bond

Illinois Contractor License Bond

Contractor licensing

Illinois Auto Dealer Bond

DMV dealer licensing

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