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Collection Agency Bond Guide

#1 Bond Writer with the Lowest Rates
Our high volume allows us to negotiate excellent rates.
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Fast online application process, instant approvals.
Get Bonded in Three Steps
  • 1. Apply Online
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Insurance brokers representing clients can apply here.

Why do you need a collection agency bond?

You are required to obtain a bond for your collection agency to protect the public. If you do not follow state laws, a claim can be filed on your bond. For example, if you use harassment such as inappropriate threats to collect debts, a claim can be made.

If you're unsure whether you need a bond, you can select your state from the list below to view the bond requirements.

If you need help with obtaining your license or determining the bond requirements, you can check out our collection agency license guide.

Select Your State
to Find a Surety Bond

What will your bond cost?

Bond costs are a small percentage of the bond amount and vary by applicant, bond amount and bond type. You can get a general idea of costs using our instant cost estimate tool. If you're ready for a firm quote, you can apply and get 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 surety bond writer in the country, we are able to obtain the lowest rates from the strongest bonding company partners.


Frequent Questions

What is the bond process?

Apply on our website, get instantly approved online and sign the surety agreements. We will then ship your bond out to you.

How do I know if my agency needs a bond?

Many states require collection agency agents to obtain a license and get bonded. However, requirements vary by state. Check our state requirement list to see if your state is listed. If it is not, contact your state to determine the bond requirements as changes in legislation do occur.

How do I get bonded in all 50 states?

Working with the wrong bond agency, it is possible to reach your surety credit limitations before you are licensed nationwide. However, we offer bulk underwriting programs which raise your surety credit limits so you can usually obtain as many bonds as you need online.

How do I get the best rate?

It is dependent on your bonding needs. If you only need a small to moderate dollar amount of bonds, our agency bases your rate on the owner's personal credit. A better credit score equates to a lower rate. If you need bonds in numerous states items such as business financials, business credit, personal financials, and experience are reviewed in addition to the owner's personal credit. Any lacking items would need improvement for a better rate.

What if I have a false claim?

You must contact the surety company's claims department and provide evidence that the claim is false. We can provide the surety company contact information if needed. Watch our video to learn more about bond claims.


Get Your Surety Bonds from the Best Bonding Companies
We work with the top A-rated, T-listed surety bond companies in the nation

Jennifer Henson
Our company has been with JW Surety for several years now so when we needed to obtain a bond for a new company, we immediately went to them for help. Our rep, Melissa, was extremely helpful and prompt which made the process extremely easy for me.
David Tillotson
Trying to get a local Surety Bond was like driving a car on three tires. I searched Surety Bonds and found JW Surety Bonds. I got online and filled out the information and with in 30 minutes received a response from Melissa. She was informative, friendly and helpful. One more super satisfied customer.

The Nation’s #1 Volume Surety Bond Service
Our company writes $4,000,000,000+ in bonds each year!
  • #1 Bond Writer
    We are the nation's largest volume bond producer.
  • Easy Process
    Fastest online surety bond application process; we approve bonds instantly.
  • Lowest Rates
    Our high volume allows us to negotiate lower rates on your behalf.
  • Claim Specialists
    Your JW surety bond agent will be your claims advocate when you need them most.

Don't wait days to get bonded. Get your surety bond instantly!

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