Insurance Broker Bond Guide

Why do you need an insurance broker bond?

You need to obtain a surety bond to protect your clients. If you do not follow state laws, a claim can be made on your bond. For example, if you defraud clients by collecting premiums for fake insurance policies, a claim can be filed.

Top 5 Things You Need To Know


Frequent Questions

Apply and get approved on our website, sign the surety agreements, and we will ship the bond out.

Some states require bonds of entire insurance broker companies, which guarantee all agents. However, some states require a bond per broker or producer. State bond requirements vary, so be sure to contact each state in which you operate.

Insurance adjusters, insurance agents, surplus lines brokers and 3rd party administrators all may need to be bonded to obtain a license. It is a good idea to check with the state, as all states have their own requirements. Also, take a look at our state requirements below.

For as long as you are operating as an insurance broker and hold an active license.

You must contact the surety company's bond claims department that wrote your bond. If needed, our agency can provide you the surety contact information.


Surety Bonds do not protect you

The bond is a form of insurance for your clients, which is why many businesses proudly list that they are bonded on their marketing material. However, you will be required to reimburse the bonding company should a claim be paid out.


Why you must avoid claims at all costs


Fidelity Bonds protect your business

You can protect your business from employee theft and fraud by purchasing a fidelity bond. You can read more in our fidelity bond section.

    Step 1: Select a state


    Step 2: Choose Your Bond

How To Get Licensed & Bonded


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What's your bond cost?

Bond costs vary by applicant, bond amount, bond type & the agency you choose. You can get a general idea of costs using our Quick Estimate tool to the right or an exact quote instantly online!

Why our rates are so low

When it comes to surety bond insurance, there is safety in numbers. As the largest volume writer in the country, we are able to obtain the lowest rates from the strongest bonding company partners.

What does a surety bond cost?


How to get the lowest rate

We're here to help

Getting bonded can be intimidating. We can help you sort through it all! There are no dumb questions. Ask us whatever you need.

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