Check Your Bond Eligibility
Answer a few questions and get an instant assessment of where you stand. Full results, no email required, no strings attached.
What underwriters look at (and why)
When you apply for a Surety Bond A guarantee that you'll do what you promised. If you don't, the insurance company pays — then comes after you. , the carrier runs an Underwriting How the insurance company decides if you qualify and what rate you get. review. They're answering one question: "If this person fails to do their job, can they pay us back?"
The four factors they evaluate are the same four factors in this tool:
Your personal credit score is the single biggest factor. It signals financial responsibility.
How long you've been in business. More years = more track record = lower risk.
Can your business financially support this bond? Carriers want revenue well above the bond amount.
Prior claims, bankruptcies, and legal issues. Clean history keeps your score high.
What kind of bond do you need?
If you're not sure, select "Not Sure" and we'll help figure it out.
Want to estimate your specific premium? Try our Bond Cost Estimator.