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. Bond amounts for 15 major states, what they cost by credit tier, 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 is broker commission. The full cost breakdown and 7 ways to pay less than that.
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. Who qualifies, what it covers, and why most brokers never mention it.
April 5, 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?
Surety bonds cost 1-10% of the bond amount. Rate tables by credit score, bond type and amount, plus the broker commission nobody names.
April 2, 2026
Surety Bond vs Insurance: What's the Difference?
A surety bond protects someone else. Insurance protects you. The real difference, and what the indemnity agreement means for your wallet.
April 1, 2026
How to Get a Surety Bond With Bad Credit
Bad credit does not mean you cannot get bonded. Cost differences by credit tier, specialty market options, and 6 steps to a better rate.
March 30, 2026
What Happens When a Surety Bond Is Claimed? Step by Step
A surety bond claim triggers an investigation, a possible payout, and then the surety comes to you for reimbursement. How it works.
March 29, 2026
Do I Need a Surety Bond for My Small Business?
Find out if your small business needs a surety bond. Which industries require them, which do not, and how to get one without overpaying.
March 28, 2026