Instant Bonds
Surety Bonds in Texas
Need a Bond Fast? Get Help With Your Texas Surety Bond Today
When a customer, government agency, licensing authority, or contract requires you to provide a bond, you may not have days to wait.
Bergen Insurance Agency helps Texas businesses and contractors obtain surety bonds quickly — with many common bonds available for same-day processing.
Whether you need a contractor bond, license and permit bond, notary bond, auto dealer bond, or another type of commercial surety bond, we can help determine what bond you need and get the process started.
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Fast Quotes • Simple Applications • Texas Surety Bond Specialists
What Is an Instant Surety Bond?
An instant or quickly issued surety bond is a bond that can often be quoted and issued with a streamlined application and underwriting process.
Many smaller license and permit bonds can be approved quickly and may require little or no extensive financial underwriting.
The exact requirements depend on the type of bond, bond amount, applicant, and surety company.
For qualifying bonds, you may be able to:
- Apply online or over the phone
- Receive a quote quickly
- Pay for the bond electronically
- Receive your bond electronically when permitted
- Get assistance with required bond forms
Not every bond can be issued instantly, but our goal is to make the process as fast and straightforward as possible.
Types of Surety Bonds We Can Help With
Contractor License & Permit Bonds
Contractors may be required to obtain a surety bond before receiving a license, pulling a permit, or performing work in certain cities or jurisdictions.
We can help contractors find the appropriate bond for their specific requirement.
Common requests include:
Plumbing Contractor Bonds
Electrical Contractor Bonds
HVAC Contractor Bonds
General Contractor Bonds
Roofing Contractor Bonds
License Bonds
Permit Bonds
Right-of-Way Bonds
If a city gave you a specific bond form, send it to us. We can review the requirement and help determine what bond is needed.
License & Permit Bonds
Many businesses are required to maintain a surety bond as part of a state, county, or municipal licensing requirement.
These bonds generally guarantee that the business will comply with applicable laws, regulations, or licensing requirements.
Because many license and permit bonds have standardized requirements, they can often be among the fastest types of bonds to obtain.
Texas Auto Dealer Bonds
Motor vehicle dealers may be required to maintain a surety bond as part of their licensing requirements.
We can help with qualifying Texas motor vehicle dealer bond requests and assist you with understanding the information needed for underwriting.
Texas Notary Bonds
Texas notaries are required to meet state requirements that include obtaining a surety bond.
If you need a notary bond, we can help you obtain the required bond and explain the next steps in the process.
Bid Bonds
Planning to bid on a construction project?
Project owners and governmental entities may require contractors to provide a bid bond with their bid.
A bid bond provides financial assurance that the contractor will enter into the contract and provide required performance and payment bonds if awarded the project.
Bid bonds generally require more underwriting than simple license and permit bonds, so they should not be treated as instant-issue bonds.
However, Bergen Insurance Agency can help contractors navigate the surety underwriting process and prepare for larger bonded projects.
Performance & Payment Bonds
Larger construction contracts may require performance and payment bonds.
A performance bond guarantees the contractor's performance according to the terms of the bonded contract.
A payment bond generally protects qualifying subcontractors, laborers, and suppliers if the bonded contractor fails to pay them as required.
Performance and payment bonds typically require underwriting that may include:
- Business financial statements
- Personal financial statements
- Contractor experience
- Work history
- Current work-in-progress
- Largest completed projects
- Bank information
- Credit history
- Contract information
If you're growing your contracting business and beginning to bid larger jobs, we can help you understand what surety companies are looking for.
Why Contractors Choose Bergen Insurance Agency
Bergen Insurance Agency works extensively with Texas contractors, including plumbing, HVAC, electrical, construction, and other trade businesses.
That matters when you need more than just a bond.
Your contracts may also require:
General Liability Insurance
Commercial Auto Insurance
Workers' Compensation
Tools & Equipment Coverage
Umbrella / Excess Liability
Professional Liability
Certificates of Insurance
Surety Bonds
Instead of calling one company for your insurance and another company every time you need a bond, you can work with an independent agency that understands contractor insurance and surety requirements.
How to Get a Surety Bond
Getting started is simple. Click Here
1. Tell Us What Bond You Need
Send us the bond requirement, application, contract requirement, or bond form you received.
If you aren't sure what bond you need, that's okay. Send us the information you were given and we'll help identify it.
2. Complete the Application
Simple bonds may only require basic information about you or your business.
Larger contract bonds may require additional financial and project information.
3. Receive Your Bond Quote
We'll work to obtain the appropriate surety option based on the bond requirement and underwriting.
4. Purchase Your Bond
Once approved, you can accept the quote and pay the required bond premium.
5. Receive Your Bond
Depending on the bond and oblige requirements, the bond may be provided electronically or as an original document.
How Much Does a Surety Bond Cost?
The cost of a surety bond depends on several factors, including:
- Type of bond
- Required bond amount
- Applicant's credit
- Business experience
- Financial strength
- Surety company
- Contract size for construction bonds
A $10,000 surety bond does not normally mean you pay $10,000.
You typically pay a premium that represents a portion of the bond amount.
Some smaller license and permit bonds may have relatively inexpensive fixed or standardized premiums, while larger contract bonds require individual underwriting.
Surety Bonds Are Not the Same as Insurance
This is an important distinction.
Traditional business insurance generally protects the insured against covered losses.
A surety bond involves three parties:
Principal — The person or business required to obtain the bond.
Obligee — The party requiring the bond.
Surety — The company providing the financial guarantee.
If the surety pays a valid claim under the bond, the principal may have an obligation to reimburse the surety according to the bond and indemnity agreement.
That's one reason it's important to understand what you're signing before purchasing a bond.
Need a Bond Today?
Don't waste time trying to figure out complicated bond requirements on your own.
Send Bergen Insurance Agency the bond requirement or bond form you've been given, and we'll help determine what you need.
We help contractors and businesses throughout Texas with both surety bonds and commercial insurance.
Bergen Insurance Agency
Texas Contractor Insurance & Surety Bonds
Serving businesses and contractors throughout Texas.
Need a bond quickly? Start your quote today.