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Surety Bonds

Your guarantee, backed in writing.

A surety bond tells clients, courts, and agencies that your obligations will be met. We place contract, license, and court bonds quickly — so paperwork never holds up your next job.

What we cover

  • Contract and performance bonds
  • License and permit bonds
  • Bid bonds
  • Payment bonds
  • Fast turnaround on standard bonds

Why By America

  • 12,000+ bonds written — we know the forms and the underwriters.
  • Quick issuance so bids and licenses stay on schedule.
  • Programs for contractors of every size, including new businesses.

Coverage terms, limits, and exclusions vary by carrier and policy form. We walk you through exactly what is and isn’t covered before you bind — no fine-print surprises.

Good to know

Questions we hear most.

Is a surety bond insurance?

No. Insurance protects you against loss; a bond guarantees your performance to someone else. If the surety pays a claim, you are obligated to reimburse it.

What do underwriters look at?

Your credit, work history, and financial statements — character, capacity, and capital. Newer contractors can often still qualify for smaller bond amounts.

How much does a bond cost?

Typically a percentage of the bond amount, varying with your credit and the bond type. License and permit bonds are usually a modest flat premium.

How fast can you issue one?

Standard license, permit, and small contract bonds are often same or next day. Larger contract bonds require financial review and take longer.

Free quote

Ready for a number on this coverage?

Tell us a little about what you’re protecting. We’ll come back with options and real pricing — no obligation.