FREE Professional Surety Bond Quotes

Stay in compliance with state and government laws and instill confidence in your clients


We Do Bonds Right

Are you looking for the right bonds to keep your company compliant with federal, state, and local laws? Or do you already have proper bonding, but are looking for a more affordable option? Regardless of what you are looking for Insurance Guys can find you the right Surety Bond you need to keep business rolling. Insurance Guys are an independent insurance agency. This allows our agents to shop multiple carriers to find you the best bonds at an affordable price. With Insurance Guys you get a fast and accurate response every time!

Why Do I Need A Surety Bond?

These Types of bonds, unlike Fidelity Bonds, are a way of ensuring that you can keep your promises. If you’re a contractor and you are being considered for a million dollar construction project the stakes are high and the hiring party may want to know that you can cover some of the damages if you cannot complete the project or decide not to complete the project or simply don’t do a competent job. In other words, they want to make sure that you have something to lose assets of value certain amount of funds in the bank properties etc.

What Is a Surety Bond?

A bond guarantees the fulfillment of a legal obligation. It’s a three-party agreement where the third party (surety company) guarantees to a second party (obligee or owner) the successful performance of the first party (principal). One of the primary uses of bonds today is to protect public and private funds from financial loss.

A surety bond is not an insurance policy. An insurance policy assumes that there will be a loss, so the premium for an insurance policy is calculated to cover losses that will occur. A bond, on the other hand, is an extension of credit with the assumption that the legal obligation will be fulfilled, and consequently, there will be no loss. The bond premium paid to the surety covers only the underwriting expenses of the surety company. When losses occur, they have a significant impact on the surety company’s financial results.

If you need a surety bond, performance bond, bid bond, or another type of bond, call us at 800-238-4654

States That We Insure


✔ Alabama  ✔ Arizona  ✔ California  ✔ Colorado  ✔ Florida  ✔ Georgia  ✔ Illinois  ✔ Indiana 

 ✔ Kentucky  ✔ Louisiana  ✔ Mississippi  ✔ Nevada  ✔ New Jersey  ✔ New York  ✔ North Carolina  

✔ Pennsylvania  ✔ Tennessee  ✔ Texas  ✔ Utah  ✔ Virginia  ✔ West Virginia

Bonds Types

License & Permit Bonds

License and Permit bonds are mostly required from individuals and corporations who wish to engage in businesses that involve public service and protection to ensure compliance with laws, ordinances, and regulations. Some examples of public services include building or repairing a sewer (which involves the health and safety of the public). License bonds may also be issued to businesses that may be susceptible to unscrupulous practices like loan service providers or dealers of motor vehicles (who may be left with unpaid debts).


Performance Bond

A Performance Bond was created to make sure that you, the contractor, complete the project to the specifications of the project. If you are not able to complete the project, the project owner will not face any financial loss. The federal Miller Act requires that you have bonds for contracts that are over $100,000 and some state and local governments require a performance bond for contracts over $2,000.


Bid Bond

A Bid Bond helps to make sure that your company is technically able and financially able to complete the project at the bid price. A bid bond lets the project owner know that you have the financial stability to accept that job you are bidding on.


License Bond

A License Bond ensures that your company is operating under the laws and regulations set by local, state, and federal governments. They help to protect consumers from businesses operating outside the law. A license bond lets your clients know that you are stable and went through the proper steps to do the project the correct way.

Payment Bond

A Payment Bond ensures that when the project is over that you are able to pay the sub-contractors, employees, suppliers, and other creditors that have helped you on the project.


How Does A Surety Bond Work?

The Principal

The Principal is usually the provider of the action or service which can be anyone – an individual, partnership or corporation. He is required to post a surety bond which ensures that he will perform what is expected of him.

The Obligee

The Obligee is the one to whom the guarantee is for. He’s the one asking for the performance of an action or service. He’s the one who has hired the services of the Principal but needs the guarantee to ensure that the job will be accomplished or fulfilled. If the Principal fails to deliver what has been promised, the Obligee can collect his bond from the Surety.

The Surety

The Surety is the one that provides the guarantee when the Principal fails to provide what is required from his obligation to the client or the obligee. The surety will do a background check and evaluation on the principal to make sure that he is qualified to be bonded. If he passes the test, then the surety issues the bond.

Bonded Titles

✔ Surety / Miscellaneous

✔ Bonded Title

✔ Certificate of Title Surety        Bond

✔ Motor Vehicle Ownership        Surety Bond

Court Bonds

✔ Cost bonds

✔ Indemnity to sheriff bonds

✔ Plaintiff’s bonds

✔ Attachment bonds

✔ Replevin bonds

License & Permit Bonds

✔ Blanket Performance              Bond

✔ Individual Performance          Bond

✔ Public Adjuster Bond

✔ Athlete Agent Surety Bond

Construction Bonds

✔ Bid Bonds

✔ Performance Bonds

✔ Payment or Labor and              Material Bonds

✔ Maintenance Bonds

✔ Building Bonds

We Work With More Than 60 Insurance Carriers Including:
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The Key to Affordable Commercial Umbrella Insurance

We represent dozens of insurance companies with trustworthy brands you know. Our Licensed and accredited agents will guide you to a Commercial Umbrella Insurance Policy that fits your needs. We will show you your local tailored options without bias. All you have to do is sit back and enjoy the savings.

How Do We Provide the Best Inland Marine Insurance Prices?

It’s actually quite simple. Our agents are “Non-Captive” which means that, unlike other agents who can only offer policies form one company, we can get you quotes and policies from multiple carriers and multiple insurance companies. That is how we can vow to keep your best interest in mind!