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Texas Surety Bond

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Which Surety Bond in Texas Do You Need?

There are three types of surety bonds in Texas that can be required of you:

  • License bonds needed for many professions such as contractors and auto dealers to operate legally.
  • Court bonds required by Texas courts for various purposes.
  • Contractor bonds for public construction projects.

The obligee (the one requiring the bond of you) should be able to provide a copy of the Texas surety bond form you need. It’s important that you understand how surety bonds work and that you're responsible to pay claims. You can also take a look at our guide to learn how to get bonded in Texas.

Find Your Surety Bond

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    Getting License and Permit Bonds

    Texas requires license and permit bonds in order to get licenses/permits for many different professions. You can find the full list of license and permit bond requirements for Texas by using our bond requirement search tool.

    One of the most commonly needed license bonds is the Texas motor vehicle dealer bond needed to sell vehicles and get a dealer license, which is required by the Texas Department of Motor Vehicles (TXDMV). Another commonly needed bond is the certificate of title bond needed to transfer the ownership of a vehicle that has a lost/inaccurate title, which is also required by the TXDMV. Lastly, another frequently needed bond is the contractor license bond required to perform contracting work in several cities across Texas. Keep in mind, there are no contractor license bonds required by the state itself, only cities and towns. It’s possible that you may need both a contractor license bond and contract bonds depending on the type of work and where you’re performing it.

    Getting Court Bonds in Texas

    Court bonds can be required by the courts for various reasons. For example, you’ll need an appeal bond in Texas if you want to appeal a court decision. If you want to become a legal guardian of a minor/disabled individual, you’ll need a guardianship bond. Lastly, you will need a probate bond if you want to operate as a fiduciary of an estate.

    Getting Contract Bonds for Public Jobs

    Construction bonds such as bid bonds and performance bonds are needed to bid bonds and work on public construction jobs. However, they’re typically required by cities or municipalities as opposed to the state. Learn more about the process of getting bonded for jobs by reading our construction bond guide.

    Texas Surety Bond Costs

    "How much will my surety bond cost?" is one of the most common questions. Surety bonds generally cost 1-15% of the required bond amount. Pricing varies drastically depending on the bond amount required of you and your rate (which is the percentage of the full bond amount you must pay and will depend on your financial strength, e.g. personal credit). Bond costs are generally 1-10% of the full bond amount that's required of you in Texas. For example, if you need a $10,000 bond, your costs could be anywhere between $100 - $1,000. Bond pricing varies drastically depending on the bond amount required of you and your rate (which is the percentage of the full bond amount you must pay). You can use our bond premium calculator to get an instant estimate. If you need to get a firm surety bond quote, you can apply to get an online approval. Keep in mind, pricing isn’t the only thing you should think about when buying a surety bond. Purchasing your bond from the wrong Texas bonding company can lead to it getting rejected with no refund. Find out how to choose the right bond company for you.

    Can You Get Bonded with Bad Credit?

    It’s possible to get surety bonds with bad credit in Texas, but it will depend on the bond type you need and how serious your credit issues are. You can get approved for most license and permit bonds even with bad credit.

    It’s also possible to get approved for court bonds with credit issues, but this will depend on how serious the issues are.

    However, it’s harder to get contract bonds with credit issues. You may be able to get contract bonds with minor credit problems; however, you’ll probably be limited to smaller projects. Unfortunately, it’s almost impossible to get approved for contract bonds with severe credit issues such as large collections or civil judgments (unless you’re a larger contractor with strong CPA business financials). Surety companies will view your personal credit issues as a direct reflection of how you will handle the responsibilities that come along with working on a public job, and your ability to pay bond claims if they happen. Find out how our company can save you money on bond claims if they happen.

    Frequent Questions

    What is the process to obtain the bond?

    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.

    Can I get this bond with bad credit?

    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.

    Does it matter where I get my bond?

    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.

    What if a false claim is filed?

    You need to contact the surety company's claims department and present proof that the claim is false.

    Do all states require a bond?

    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.

    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.

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    About JW Surety Bonds
    We are a family owned and operated agency established in 2003. We started with just two people, and grew to become the largest volume bond producer in the nation with 50+ employees. Since day one, our team focus has been on providing real-time online quotes, an easy process, and the best in claims defense. Learn more about our company.