Bonds

Need a bond to get licensed, win a contract, or satisfy a court? Surety bonds are a routine requirement for North Carolina contractors, auto dealers, and many licensed professionals — and we make getting one fast and painless.

Prefer to talk it through with a real person? Call us at 919-341-0606 — we answer Monday through Friday, 8:30 am to 5:30 pm, right here in Garner.

Bonds We Place

• License and permit bonds — required by state and local agencies for many trades and businesses.
• Contract bonds — bid, performance, and payment bonds for construction projects, especially public work.
• Fidelity bonds — protect your business and clients against employee dishonesty.
• Court and probate bonds — for executors, guardians, and legal proceedings.

How a Surety Bond Works

A bond is a three-party guarantee: the surety company promises the party requiring the bond (the obligee) that you (the principal) will meet your obligations. If a valid claim is paid, you reimburse the surety. That’s the key difference from insurance — a bond guarantees your performance rather than transferring your risk, which is why bonds and contractors insurance work together, not interchangeably.

Who Needs Bonds in North Carolina

General contractors bidding public projects, motor vehicle dealers, notaries, freight brokers, collection agencies, and many licensed trades. If a license application or contract mentions a bond amount, send it to us — we’ll identify exactly what’s required and place it, often the same week.

Frequently Asked Questions

How fast can I get bonded?

Many license and permit bonds are issued within a day or two. Larger contract bonds involve underwriting of your financials and take a bit longer — start early on big bids.

What does a bond cost?

You pay a premium that’s a small percentage of the bond amount, based on bond type and your credit and financials. Strong credit means lower rates.

Can I get a bond with imperfect credit?

Usually yes — specialty surety markets exist for challenged credit at somewhat higher premiums. We’ll find the workable path.

Get Bonded, Get to Work

Send us the requirement and consider it handled. Insure with You!