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Which Surety Bond in Kentucky Do You Need?
There are three types of surety bonds that can be required of you:
- License and permit bonds needed for many professions such as auto dealers and mortgage lenders to operate legally.
- Contractor bonds for public construction projects.
- Court bonds required by the courts for various purposes.
It’s important you understand how surety bonds work and that you're responsible to pay claims in full, which makes it important that you find a bond company that will defend you from claims.
Find Your Surety Bond
| Kentucky $100K Mortgage Loan Company Bond | Executive Director, Office of Financial Institutions | Frankfort | Apply |
| Kentucky $250K Mortgage Loan Company Bond | Executive Director, Office of Financial Institutions | Frankfort | Apply |
| Kentucky Appraisal Management Company Bond | Real Estate Appraisers Board | Richmond | Apply |
| Kentucky Blanket Agent Bond | State Board for Proprietary Education | Frankfort | Apply |
| Kentucky Boxing and Wrestling Authority Promoter Bond | Kentucky Boxing and Wrestling Commision | Frankfort | Apply |
| Kentucky Buying Club Bond | Office of the Attorney General, Division of Consumer Protection | Frankfort | Apply |
| Kentucky City of Henderson Utility Payment Bond | City of Henderson Utility Commission | Henderson | Apply |
| Kentucky Debt Adjuster Bond | Office of the AG - Consumer Protection Division | Frankfort | Apply |
| Kentucky Deferred Deposit Service/Check Cashier Bond | Department of Financial Institutions | Frankfort | Apply |
| Kentucky Financial Responsibility Bond | Office of Insurance, Agent Licensing Division | Frankfort | Apply |
| Kentucky Health Club Bond | Attorney General Division of Consumer Protection | Frankfort | Apply |
| Kentucky Highway Use Bond | Dept. of Vehicle Regulation Div. of Motor Carriers | Frankfort | Apply |
| Kentucky Investment Advisors Bond | Department of Financial | Frankfort | Apply |
| Kentucky KENTUCKY HIGHWAY USE Bond | Commonwealth of Kentucky | Frankfort | Apply |
| Kentucky Mortgage Loan Broker Bond | Executive Director, Office of Financial Institutions | Frankfort | Apply |
| Kentucky Motor Fuel Tax Refund Permit Holder's Bond | Department of Revenue Motor Fuels Tax Compliance | Frankfort | Apply |
| Kentucky Motor Fuels License Bond | KY Dept of Revenue Motor Fuels Tax Compliance | Frankfort | Apply |
| Kentucky Motor Vehicle Dealer Bond | Motor Vehicle Commission | Frankfort | Apply |
| Kentucky Pawnbroker License Bond | City of Hardinsburg | Hardinsburg | Apply |
| Kentucky Performance Agreement for Waste Tire Registrants Bond | Department for Environmental Protection | Frankfort | Apply |
| Kentucky Permit Bond Alarm Business | Lexington Division of Police | Lexington | Apply |
| Kentucky Precious Metals Dealer Bond | Lexington Fayette Urban County | Lexington | Apply |
| Kentucky Precious Metals Dealer License Bond | City of Hardinsburg | Hardinsburg | Apply |
| Kentucky Professional Solicitor Bond | State of Kentucky Attorney General | Frankfort | Apply |
| Kentucky School Bond | Kentucky Proprietary Board Education | Frankfort | Apply |
| Kentucky Service Contract Provider/Obligor Performance Bond | Commonwealth of Kentucky Dept. of Insurance | Frankfort | Apply |
| Kentucky Telemarketing Company Bond | Attorney General | Frankfort | Apply |
| Kentucky Telemarketing Company Premium Bond | Office of Attorney General- Commonwealth of KY | Frankfort | Apply |
| Kentucky Transient Merchant Bond | Office of the Attorney General | Frankfort | Apply |
| Kentucky Utility Deposit Bond | Paducah Power Systems | Paducah | Apply |
| Kentucky Vacation Club Bond | Attorney General, Div. of Consumer Protection | Frankfort | Apply |
| Kentucky Vehicle License Bond | Commissioner of Finance | Lexington | Apply |
| Kentucky Waste Tire Registrants Bond | KY Division of Waste Management | Frankfort | Apply |
| Freight Broker Bond (BMC-84) | FMCSA | N/A | Apply |
| Auto Dealer Bond (motor vehicle dealer bond) | Varies | Varies | Apply |
| Contractor License Bond | Varies | Varies | Apply |
| Mechanics Lien Bond | Varies | Varies | Apply |
| Customs Bond | CBP | N/A | Apply |
| Health Club Bond | Varies | Varies | Apply |
| Medicare/Medicaid Bond (DMEPOS) | Varies | Varies | Apply |
| Insurance Broker Bond | Varies | Varies | Apply |
| Public Adjuster Bond | Varies | Varies | Apply |
| Surplus Lines Broker Bond | Varies | Varies | Apply |
| Title Agency Bond | Varies | Varies | Apply |
| Mortgage Broker Bond | Varies | Varies | Apply |
| Mortgage Lender Bond | Varies | Varies | Apply |
| Vehicle Title Bond (bonded title) | Varies | Varies | Apply |
| Reclamation Bond | Varies | Varies | Apply |
| Alcohol/Liquor Bond | Varies | Varies | Apply |
| Brewers Bond | Varies | Varies | Apply |
| CPEO Bond (Certified Professional Employer Organization) | IRS | N/A | Apply |
| Collection Agency Bond | Varies | Varies | Apply |
| Fuel Tax Bond | Varies | Varies | Apply |
| Funeral Bond | Varies | Varies | Apply |
| Immigration Consultant Bond | Varies | Varies | Apply |
| Lottery Bond | Varies | Varies | Apply |
| Marijuana Surety Bond | Varies | Varies | Apply |
| Private School Bond | Varies | Varies | Apply |
| Process Server Bond | Varies | Varies | Apply |
| Public Official Bond | Varies | Varies | Apply |
| Money Transmitter Bond | Varies | Varies | Apply |
| Sales Tax Bond | Varies | Varies | Apply |
| Small Loan Companies Bond | Varies | Varies | Apply |
| Telemarketing Bond | Varies | Varies | Apply |
| Tobacco Bond | Varies | Varies | Apply |
| ARC Bond | ARC | N/A | Apply |
| Travel Agency Bond | Varies | Varies | Apply |
| Union Bond | Varies | Varies | Apply |
| Utility Bond | Varies | Varies | Apply |
| Business Service Bond (Fidelity Bond) | N/A | N/A | Apply |
| Employee Dishonesty Bond (Fidelity Bond) | N/A | N/A | Apply |
| Janitorial & Cleaning Bond (Fidelity Bond) | N/A | N/A | Apply |
| Financial Institution Bond (Fidelity Bond) | N/A | N/A | Apply |
| ERISA Bond | Employee Retirement Income Security Act | N/A | Apply |
| Bid Bond (Contract Bond) | Varies | N/A | Apply |
| Performance Bond (Contract Bond) | Varies | N/A | Apply |
| Payment Bond (Contract Bond) | Varies | N/A | Apply |
| Supply Bond (Contract Bond) | Varies | N/A | Apply |
| Maintenance Bond (Warranty Bond) | Varies | N/A | Apply |
| Subdivision Bond | Varies | N/A | Apply |
| Bankruptcy Trustee Bond (Court Bond) | Court Requirement | N/A | Apply |
| Fiduciary Bond (Probate Bond) | Court Requirement | N/A | Apply |
| Guardian Bond (Court Bond) | Court Requirement | N/A | Apply |
| Injunction Bond (Court Bond) | Court Requirement | N/A | Apply |
| Receiver Bond (Court Bond) | Court Requirement | N/A | Apply |
| Supersedeas Bond (Appeal Bond) | Court Requirement | N/A | Apply |
| Replevin Bond (Court Bond) | Court Requirement | N/A | Apply |
Getting License and Permit Bonds
Kentucky requires license and permit bonds in order to get and file licenses/permits for many different professions. You can find the full list of license and permit bonds required by using our bond requirement search tool.
Getting Construction Bonds for Jobs
Contract bonds such as bid bonds and performance bonds are needed to work on public construction projects. However, these are usually required by cities or municipalities as opposed to the state. You can learn more about what’s needed to get surety bonds for construction projects.
Getting Court Bonds
Court bonds aren’t needed as often as the bonds mentioned above, but can be required by the courts if you need to appeal a court decision, become a legal guardian of a minor or operate as a fiduciary of an estate.
What Do Kentucky Surety Bonds Cost?
Surety bonds generally cost 1-15% of the required bond amount. Costs vary significantly depending on the bond amount you need and your rate (which is the percentage of the full bond amount you must pay). You can get an instant estimate by using our bond premium calculator, or apply online to get a firm surety bond quote.
Can You Get Bonded with Bad Credit?
It’s possible to get surety bonds with bad credit, but it will depend on the bond type you need and how severe your credit issues are. You can get approved for most license and permit bonds with bad credit. However, it is more difficult to get contract bonds with credit issues. You can also read the most frequently asked surety bond related questions.
Frequently Asked Questions
Apply, get approved online, submit the indemnity agreement, and pay for the bond online. Then we will ship the original bond to you using your preferred method of shipping.
Yes. We have exclusive programs that allow us to write these bonds, even if you have credit issues. You can apply and get a quote instantly.
Yes. Due to the large volume of bonds written, we provide the lowest rates possible. Apply on our website and receive an online approval instantly.
You need to contact the surety company's claims department and present proof that the claim is false.
No, many do not. You can view our full list of state bond requirements. It is also wise to contact your state directly to determine any requirements youm ust meet.
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