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Get a surety bond. License. Performance. Fidelity.

Surety bonds guarantee an obligation: a license bond guarantees you will comply with state regulations, a performance bond guarantees you will complete a construction project, a fidelity bond protects against employee theft. State licenses for contractors, transportation, alcohol sales, and many other industries require bonds. We compare quotes from 30+ surety carriers and route to the best fit for your industry and credit profile.

All 50 states + DC 60-day money-back SOC 2 Type II
How it works

How we handle Surety Bond, end-to-end.

Surety bonds guarantee an obligation: a license bond guarantees you will comply with state regulations, a performance bond guarantees you will complete a construction project, a fidelity bond protects against employee theft.

1

Bond identification

We identify what bond you need: state license bond (state regulation), federal bond (federal contractor or import), performance bond (construction project), fidelity bond (employee theft), other commercial bond.

2

Credit + business profile

Surety underwrites based on personal credit (for small businesses), business financials, and bond type. We collect needed info: credit score, financial statements, business history.

3

Quote from 30+ carriers

We submit to 30+ surety carriers. Different carriers favor different industries and credit profiles. Same-day indicative quotes; binding next day.

4

Bond issuance

After binding, surety issues the bond. Original sent to obligee (state agency, construction project owner, etc.) and copy to you. Some bonds renew annually; some are project-specific.

What we'll set up for you

A clean handoff, in four steps.

You give us the basics. We handle the state, the IRS, and the compliance clock so you can focus on the business.

01 · Name + Brand

A name that's actually available.

Real-time check against the state register, USPTO trademark database, and matching domains.

02 · State filing

Filed with the Secretary of State.

We submit your Articles, pay the state fee on your behalf, and return the stamped certificate.

03 · Federal IDs

EIN + the right tax setup.

Federal Employer ID with the IRS, plus state tax accounts when your business needs them.

04 · Stay compliant

Registered Agent + deadline tracking.

Your agent on file in every state, with every renewal and annual report tracked in one calendar.

Pricing

Transparent surety bond pricing.

Government fees pass through at cost. No upsells.

Multiple bonds

$299
2-5 bonds coordinated.

Multiple bonds (different states or different types) sourced and filed in parallel. Common for multi-state contractors, multi-license operations.

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Bond program

$999
Annual subscription.

For businesses with multiple ongoing bonds (construction companies, freight brokers, multi-state contractors). Annual renewals, re-quoting, and new bond placement throughout the year.

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FAQ

About the Surety Bond Filing Service.

What is a surety bond?
A three-party agreement: principal (you), surety (the bond company), obligee (the party requiring the bond). Surety pays obligee if principal fails. Principal indemnifies surety for any payments. Bond is not insurance for you; it is a guarantee to the obligee.
How much does it cost?
Premium is 1-5% of bond amount, paid annually for renewable bonds. Strong credit: lower premiums (1-2%). Weaker credit: higher (3-5%). Project-specific bonds (performance) are typically lower percentages due to defined project scope.
What is a license bond?
Required by state regulators for certain licenses (contractors, alcohol, auto dealers, freight brokers, others). State sets bond amount. Bond guarantees you will comply with state regulations. State can claim against bond for regulatory violations.
What is a performance bond?
Required for construction projects. Contractor guarantees completion per contract. If contractor fails, surety must complete or pay project owner. Performance bond amounts typically 100% of contract value.
Does the bond protect me?
No. The bond protects the obligee (state regulator, project owner). You as principal are on the hook to repay surety for any claims paid. The bond is essentially a guarantee to the obligee, with surety taking the credit risk and you indemnifying them.
Can I get bonded with bad credit?
Usually yes but at higher premium. Some carriers specialize in challenging credit (RLI for contractor license bonds, others). We submit to multiple carriers including those that favor weaker credit.
Why File.Business

Premium compliance, no service-fee markup.

Trust you can verify

SOC 2 Type II audited platform. 220,000+ businesses served. 60-day money-back on service fees. State fees passed through at cost with no hidden markup. Explicit AUP on restricted industries.

A compliance partner, not a transaction

Most providers go quiet after checkout. We auto-track every annual report, registered agent renewal, and license deadline across your entities. The Business OS dashboard keeps your compliance score visible year-round.

Premium experience competitors cannot match

Premium positioning, transparent pricing, no service-fee markup on state or federal filings. Premium positioning, transparent pricing, no service-fee markup on state filings.

Start your business in the next 5 minutes.

No state-fee markup. Pay only the state fee. 60-day money-back guarantee.

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