How to Get Bonded

Learning how to get bonded is straightforward once you understand the process. A contractor surety bond is required by most states before your license is issued, and getting one usually takes just a day or two. This guide walks you through each step, from determining your bond amount to getting your bond in hand.

Before you start, estimate your premium with our surety bond calculator so there are no surprises.

1. Confirm your bond amount. Check with your state licensing board for the exact required bond amount for your license class.
2. Gather your information. You will need your business details, license application, and personal information for a credit check.
3. Apply with a surety agency. Submit an application to a licensed surety bond provider. Many offer instant online quotes.
4. Get underwritten. The surety reviews your credit and background to set your premium rate.
5. Pay your premium and receive the bond. Once approved, pay the premium and receive your bond certificate to file with your license.

Your cost to get bonded is the premium, which is a percentage of the bond amount — usually 1% to 5% for contractors with decent credit. A $15,000 bond might cost $150 to $450 per year. Credit is the biggest factor, so contractors with strong scores pay the least. Learn more in our guide on how much a surety bond costs and compare rates on our surety bond cost by state page.

To get the best rate and fastest approval, check your credit report for errors before applying, pay down high credit card balances, and have your business documents organized. Apply with a reputable surety agency that works with multiple carriers so you can compare quotes. If you have poor credit, ask about bad-credit bond programs — you can still get bonded, just at a higher rate.

Once bonded, keep your record clean and renew on time; a claim-free history earns lower premiums at renewal. Ready to complete your license? Review contractor license requirements next.