Commercial & License Bond Directory
The full range of commercial surety we place beyond our contract-bond core. Find your bond below — most issue online in minutes through KeatingBonds.com, our commercial bond site.
License & permit ↗
Bonds required to hold a license or pull a permit — contractor, motor vehicle dealer, and many more.
Learn more →Commercial surety ↗
The broad category — license, permit, deposit, fidelity, and miscellaneous obligations of all kinds.
Learn more →Fidelity & ERISA ↗
Employee-dishonesty and ERISA plan bonds that protect against theft and satisfy federal plan requirements.
Learn more →Contractor license ↗
The bond your state or city requires to get and keep your contractor's license — usually credit-based and same-day.
Learn more →Auto dealer ↗
The motor vehicle dealer bond your state DMV requires to license a dealership. Fast, credit-based issuance.
Learn more →Freight broker ↗
The $75,000 BMC-84 bond the FMCSA requires for freight brokers and forwarders. Issued and filed fast.
Learn more →Mortgage broker ↗
The license bond your state requires — filed through the NMLS — to hold a mortgage broker or lender license.
Learn more →Business service ↗
A business service (janitorial) bond that reassures clients against employee theft — a common contract requirement.
Details ↓Sales tax ↗
The bond some states require from a business to guarantee it collects and remits sales and use tax.
Learn more →Liquor license ↗
The alcohol bond many states and cities require to issue a liquor license — guaranteeing tax payment and compliance.
Learn more →Money transmitter ↗
The surety bond state regulators require — often via the NMLS — to hold a money transmitter or MSB license.
Learn more →Collection agency ↗
The license bond many states require to operate a debt collection agency — protecting consumers and creditors.
Details ↓Health club ↗
The bond many states require from gyms and health clubs to protect members' prepaid dues if the club closes.
Details ↓Auctioneer ↗
The license bond many states require to license an auctioneer or auction company.
Details ↓Customs ↗
The federal CBP bond importers need to clear goods through U.S. Customs — continuous or single-entry.
Learn more →Public official ↗
The bond guaranteeing an elected or appointed official will faithfully perform their duties and handle public funds.
Details ↓Utility deposit ↗
A surety bond posted in place of a cash deposit to a utility — freeing your capital while guaranteeing the account.
Details ↓Used car dealer ↗
The motor vehicle dealer bond used-car dealers post to the state DMV to get and keep a dealer license.
Details ↓Title agent ↗
The bond many states require to license a title insurance agent or agency — protecting consumers and underwriters.
Details ↓Public adjuster ↗
The bond most states require to license a public insurance adjuster — guaranteeing honest handling of claims.
Details ↓Telemarketing ↗
The bond many states require to register a telemarketer or telephonic seller — protecting consumers from fraud.
Details ↓🚙Used Car Dealer Bond ↗
The motor vehicle dealer bond used-car dealers post to the state DMV to get and keep a dealer license.
A used car dealer bond is a motor vehicle dealer bond that state DMVs require to license a used-car dealership. It guarantees the dealer will follow state vehicle-sales laws — honoring titles, odometer and disclosure rules, and taxes — and protects buyers and the state if the dealer doesn't.
The required amount is set by your state — commonly $10,000 to $50,000 — and the premium is a small percentage of that amount, driven mainly by credit. Used and new dealers usually post the same bond; we issue on the correct DMV form in every state.
Typical cost: Good credit often pays $100–$400 on a $10,000–$50,000 bond
How much does a used car dealer bond cost?
For dealers with good credit, roughly $100–$400 per year on a typical $10,000–$50,000 bond — the premium is a small percentage of the bond amount, not the full amount.
Is the used car dealer bond different from a new car dealer bond?
Usually not — most states require the same motor vehicle dealer bond for used and new dealers, set at the same amount. We confirm your state's exact requirement.
How fast can I get bonded?
Usually the same day. Dealer bonds are credit-based and issue quickly once we have your state, the amount, and a brief credit review.
🧹Janitorial Service Bond ↗
A business service (janitorial) bond that reassures clients against employee theft — a common contract requirement.
A janitorial bond — more broadly a business service bond — is a fidelity bond that reimburses your client if one of your employees is convicted of stealing from them while on the job. Cleaning, janitorial, staffing, and in-home service companies use it to win and keep contracts that require the coverage.
Coverage amounts are flexible (commonly $5,000 to $100,000) and the cost is a low flat annual premium based mainly on the number of employees. It's a fast, credit-based bond — often issued the same day.
Typical cost: Business service bonds typically start around $100/year
What does a janitorial service bond cover?
It reimburses your client for a loss if one of your employees is convicted of theft while working on the client's premises. It reassures customers and is often required to win cleaning, staffing, and service contracts.
How much does a business service bond cost?
Inexpensive — often starting around $100 per year, priced mainly on the coverage amount and your number of employees. Most issue the same day on credit.
Is a service bond the same as liability insurance?
No. A business service bond covers your client's loss from employee theft (conviction required). General liability insurance covers accidents and injuries. Many businesses carry both.
💼Collection Agency Bond ↗
The license bond many states require to operate a debt collection agency — protecting consumers and creditors.
A collection agency bond is a license and permit bond that many states require to operate a debt collection agency. It guarantees the agency will handle collected funds properly and follow state and federal debt-collection laws — protecting the consumers and creditors it deals with.
The required amount is set by your state — commonly $5,000 to $50,000 — and the premium is a percentage of that amount based on credit. We place collection agency bonds in every state that requires one, on the correct form.
Typical cost: Often $250–$1,000/year depending on the state and amount
How much does a collection agency bond cost?
Often $250–$1,000 per year, since the premium is a percentage of the bond amount and varies by state. Your credit is the main driver of the rate.
What amount does my state require?
It varies — commonly $5,000 to $50,000, set by each state. Tell us where you're licensed and we'll confirm each requirement.
How fast can I get bonded?
Usually the same day for a single state. Multi-state placements take a little longer to coordinate but move quickly.
🏛️Public Official Bond ↗
The bond guaranteeing an elected or appointed official will faithfully perform their duties and handle public funds.
A public official bond guarantees that an elected or appointed official — a treasurer, clerk, tax collector, sheriff, notary, and many others — will faithfully perform the duties of their office and honestly account for public funds. It protects the public entity and taxpayers if the official fails to do so.
Amounts and forms are set by statute or the appointing authority and vary widely by office. Most are inexpensive and credit-based. We read the required language and issue on the exact form your jurisdiction demands.
Typical cost: Usually a small flat premium, credit-based
How much does a public official bond cost?
Usually a small flat premium, since most official bonds are modest in amount and credit-based. We confirm the exact cost once we know the office and required amount.
What does a public official bond cover?
Faithful performance of the official's duties and honest handling of public funds — protecting the public entity and taxpayers if the official breaches those duties.
How is the amount set?
By statute or the appointing authority, and it varies by office. We issue on the exact form and amount your jurisdiction requires.
💡Utility Deposit Bond ↗
A surety bond posted in place of a cash deposit to a utility — freeing your capital while guaranteeing the account.
A utility deposit bond is a surety bond a business posts in place of a cash security deposit required by an electric, gas, water, or other utility. It guarantees the utility will be paid — so you satisfy the deposit requirement without locking up cash.
The bond amount equals the deposit the utility requires, and the premium is typically 1%–3% of that amount per year, based on credit. For a business opening multiple accounts, it's a simple way to preserve working capital.
Typical cost: Typically 1%–3% of the deposit amount per year
How much does a utility deposit bond cost?
Typically 1%–3% of the deposit amount per year, based on credit — so a $10,000 deposit bond commonly runs about $100–$300 annually.
How is the bond amount set?
It equals the security deposit the utility requires. We issue the bond for that exact amount so it satisfies the utility's requirement.
Why use a bond instead of cash?
It frees the cash you'd otherwise lock up as a deposit, keeping your working capital available for the business — especially useful across multiple accounts.
🔑Title Agent Bond ↗
The bond many states require to license a title insurance agent or agency — protecting consumers and underwriters.
A title agent bond (title insurance agent bond) is a license bond many states require to license a title insurance agent or agency. It guarantees the agent will properly handle escrow and premium funds and follow state title-insurance laws — protecting consumers and the title underwriters they represent.
The required amount and form are set by your state's department of insurance — commonly $10,000 to $50,000 — and the premium is a small percentage of that amount based on credit. We place title agent bonds nationwide on the correct form.
Typical cost: Often $100–$500/year, depending on the amount and credit
How much does a title agent bond cost?
Often $100–$500 per year — the premium is a small percentage of the bond amount, driven mainly by your credit.
What does a title agent bond cover?
It guarantees the honest handling of escrow and premium funds and compliance with state title-insurance law, protecting consumers and the underwriters the agent represents.
What amount does my state require?
It's set by your state's department of insurance — commonly $10,000 to $50,000. Tell us your state and we'll confirm and issue the exact form.
⚖️Public Adjuster Bond ↗
The bond most states require to license a public insurance adjuster — guaranteeing honest handling of claims.
A public adjuster bond is a license bond most states require to license a public insurance adjuster — the professional who represents policyholders in insurance claims. It guarantees the adjuster will handle claims and client funds honestly and follow state adjusting laws, protecting the consumers they represent.
The required amount is set by your state's department of insurance — commonly $5,000 to $50,000 — and the premium is a small percentage based on credit. We place public adjuster bonds on the exact state form.
Typical cost: Commonly $100–$500/year, credit-based
How much does a public adjuster bond cost?
Commonly $100–$500 per year — the premium is a small percentage of the bond amount, driven mainly by credit.
Why is a public adjuster bond required?
Most states require it to protect policyholders, guaranteeing the adjuster handles claims and any client funds honestly and follows state adjusting law.
What amount does my state require?
It's set by your state's department of insurance — commonly $5,000 to $50,000. Tell us your state and we'll confirm and issue the correct form.
💪Health Club Bond ↗
The bond many states require from gyms and health clubs to protect members' prepaid dues if the club closes.
A health club bond (also called a health studio or health spa bond) is a license bond many states require from gyms and fitness clubs that sell prepaid memberships. It protects consumers by guaranteeing refunds of prepaid dues if the club closes or fails to deliver services.
The required amount is set by your state — commonly $10,000 to $50,000, sometimes scaling with prepaid membership dollars — and the premium is a small percentage based on credit. We issue health club bonds on the exact state form.
Typical cost: Commonly a few hundred dollars per year, credit-based
How much does a health club bond cost?
Usually a few hundred dollars per year — the premium is a small percentage of the bond amount, driven mainly by credit.
Why is a health club bond required?
Many states require it to protect members who pay for memberships in advance, guaranteeing refunds if the club closes before delivering the services.
How is the amount determined?
By your state — commonly $10,000 to $50,000, and in some states scaling with prepaid membership dollars. We confirm your exact requirement.
🔨Auctioneer Bond ↗
The license bond many states require to license an auctioneer or auction company.
An auctioneer bond is a license and permit bond many states require to license an auctioneer or auction company. It guarantees the auctioneer will conduct sales honestly and handle proceeds properly — protecting the buyers and sellers at auction.
The required amount is set by your state — commonly $5,000 to $50,000 — and the premium is a small percentage based on credit. We place auctioneer bonds on the exact licensing-board form.
Typical cost: Often $100–$400/year, credit-based
How much does an auctioneer bond cost?
Often $100–$400 per year — the premium is a small percentage of the bond amount, driven mainly by your credit.
What amount does my state require?
It varies — commonly $5,000 to $50,000, set by your state's licensing board. Tell us your state and we'll confirm and issue the exact form.
How fast can I get bonded?
Usually the same day. Auctioneer bonds are credit-based and issue quickly once we have the form and amount.
📞Telemarketing Bond ↗
The bond many states require to register a telemarketer or telephonic seller — protecting consumers from fraud.
A telemarketing bond (telemarketer or telephonic seller bond) is a license bond many states require to register a business that sells goods or services by phone. It guarantees the telemarketer will follow state consumer-protection and telemarketing laws — and gives consumers recourse if they don't.
The required amount is set by your state — commonly $25,000 to $100,000 — and the premium is a percentage of that amount based on credit. We place telemarketing bonds in the states that require registration.
Typical cost: Often $100–$1,000/year depending on the state and amount
How much does a telemarketing bond cost?
Often $100–$1,000 per year, since the premium is a percentage of the bond amount and the amount varies by state. Your credit is the main driver of the rate.
What amount does my state require?
It varies — commonly $25,000 to $100,000, set by each state. Tell us where you register and we'll confirm each requirement.
How fast can I get bonded?
Usually the same day for a single state. Multi-state placements take a little longer to coordinate but move quickly.
🩺DMEPOS / Medicare Bond ↗
The $50,000 federal surety bond CMS requires from DMEPOS suppliers to enroll and bill Medicare.
A DMEPOS bond is a $50,000 federal surety bond that the Centers for Medicare & Medicaid Services (CMS) requires from suppliers of durable medical equipment, prosthetics, orthotics, and supplies in order to enroll and bill Medicare. It guarantees the supplier will meet Medicare's rules and repay improper payments — generally one bond per supplier location (NPI).
The $50,000 amount is set by federal rule; what varies is your premium, which typically runs 1%–3% of the bond amount per year based on your credit and financials. We issue the DMEPOS bond on the CMS form so your Medicare enrollment moves without delay.
Typical cost: Well-qualified suppliers commonly pay $500–$1,500/year on the $50,000 bond
How much does a DMEPOS bond cost?
For well-qualified suppliers, commonly $500–$1,500 per year — about 1%–3% of the $50,000 bond amount, based on your credit and financials.
How many DMEPOS bonds do I need?
Generally one $50,000 bond per supplier location (NPI). If you enroll multiple locations, CMS typically requires a bond for each.
How fast can you issue it?
Often the same or next business day. We issue on the CMS form so your Medicare enrollment or revalidation isn't held up.