Industry Insights
Analysis, education, and commentary on the surety bond industry — written without a broker's agenda.
Auto Dealer Bond Requirements by State (2026 Guide)
Every state requires an auto dealer bond. See 2026 bond amounts for 15 major states, what they cost by credit tier, the Ohio $75,000 change, and how to avoid broker fees.
April 18, 2026
Why Are Surety Bonds So Expensive? (Follow the Money)
Surety bonds feel expensive because 30% of your premium goes to broker commissions. Here's the full cost breakdown, 5 reasons you're overpaying, and 7 ways to fix it.
April 7, 2026
How Long Does It Take to Get a Surety Bond?
Surety bonds can take same-day to 4 weeks depending on the type, your credit, and whether a broker slows things down. See timelines for every scenario.
April 6, 2026
SBA Bond Guarantee Program: The Complete Guide
The SBA guarantees 90% of surety bond losses for small businesses. Learn who qualifies, what it covers, how to apply, and why most brokers never mention it.
April 5, 2026
How to Get a Contractor License Bond (State-by-State Guide)
Step-by-step guide to getting a contractor license bond. See costs by credit tier, requirements for 10 major states, common mistakes, and how to avoid overpaying.
April 4, 2026
What Is a Surety Bond? A Simple Explanation
A surety bond is a guarantee that you'll do what you promised. Three parties, one guarantee. Here's the simplest explanation you'll find anywhere.
April 3, 2026
How Much Does a Surety Bond Cost? Real Numbers, No Sales Pitch
Surety bonds cost 1-10% of the bond amount. See actual rate tables by credit score, bond type, and amount — plus the hidden broker commissions nobody talks about.
April 2, 2026
Surety Bond vs Insurance: What's the Difference?
A surety bond protects someone else. Insurance protects you. Learn the real differences, why it matters, and what the indemnity agreement means for your wallet.
April 1, 2026
How to Get a Surety Bond with Bad Credit (And What It'll Cost)
Bad credit doesn't mean you can't get bonded. See real cost differences by credit tier, specialty market options, the SBA program, and 6 steps to improve your rate.
March 30, 2026
What Happens When a Surety Bond Is Claimed? Step by Step
A surety bond claim triggers an investigation, potential payout, and then the surety comes after you for reimbursement. Here's exactly how the process works.
March 29, 2026
Do I Need a Surety Bond for My Small Business?
Find out if your small business needs a surety bond. See which industries require bonds, which don't, what they cost, and how to get one without overpaying.
March 28, 2026