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Delaware Surety Bonds

  • All types of Delaware surety bonds
  • Lowest rates in the state
  • Lock your rate for up to 90 days
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Delaware Surety Bonds Explained

A surety bond is a type of financial guarantee given by one entity to another. In all states, surety bonds are one of the most common mechanisms for making sure businesses are compliant with the conditions of their license, discouraging fraud, and ensuring consumers have a protection tool they can turn to. If the holder of the bond violates the bond agreement and causes financial loss to a third party, that party can file a claim and seek reimbursement.

Whether or not you need to post a surety bond in Delaware will depend on what industry you are in. The table below contains information about most types of surety bonds in the state and whom they are required from. Even if you cannot find the bond you need there, simply give us a call at (877)-514-5146 as chances are, we can help you obtain it.

Find Your Delaware Surety Bond

  • Contractor License (No P&P Language) Bond
    Statutory Compliance Bond
    New Castle County, DE
  • Contractor License (No P&P Language) Bond
    Compliance with City Ordinance Bond (Newark, DE)
    City of Newark, Code Enforcement Division
  • Contractor License (No P&P Language) Bond
    (City of Wilmington, DE) Plumbers Bond
    City of Wilmington Dept of Licenses and Inspection
  • Contractor License Performance & Payment (Local) Bond
    License and Permit
    City of New Castle
  • Contractor License Performance & Payment (Local) Bond
    Plumber's Bond (City of Rehoboth Beach)
    City of Rehoboth Beach
  • Contractor License Performance & Payment (State) Bond
    Non Resident Contractor
    Department of Labor, Divison of Revenue
  • Debt Consolidators Bond
    Debt Management
    State of Delaware
  • Mortgage Broker (1st & 2nd Mortgages) Bond
    Mortgage Loan Broker
    Office of the State Bank Commissioner
  • Mortgage Lender/Banker (1st & 2nd Mort.) Bond
    Licensed Lender
    Office of the State Bank Commissioner
  • Small Loan Companies Bond
    Licensed Lender Surety
    Delaware Office of the State Bank Comissioner
  • Auto & Mobile Home Dealers (New & Used) Bond
    Motor Vehicle Dealer Bond
    Division of Revenue
  • Motor Vehicle (Non-Dealer, Not Listed) Bond
    Financing the Sale of Motor Vehice License
    State of Deleware
  • Motor Vehicle (Non-Dealer, Not Listed) Bond
    Motor Vehicle (Non-Dealer, Not Listed) Bond
    Division of Revenue
  • Detectives Bond
    Security Systems and Protective Service Agency
    Superintendent of the Delaware State Police
  • Detectives Bond
    Private Investigative & Private Security Agency Bo
    Delaware State Police-Professional Licensing
  • Professional Licenses (All Other) Bond
    DELAWARE PUBLIC SERVICE COMMISSION SURETY BOND
    Deleware Public Service Commission
  • Professional Licenses (All Other) Bond
    Manufactured Home Installer License
    DIVISION OF PROFESSIONAL REGULATION
  • Professional Licenses (All Other) Bond
    Financing the Sale of Motor Vehicles License
    State of Delaware
  • Schools (All) Bond
    Private Business and Trade School Contract
    DE Dept. of Education
  • Fuel Tax (All Others, Sellers & Users) Bond
    Special Fuel (Distillate/LP Gas)
    State of Delaware Motor Fuel Tax Administration
  • Fuel Tax (All Others, Sellers & Users) Bond
    Motor Fuel Distributor Bond
    State of Delaware Motor Fuel Tax Administration
  • Miscellaneous Taxes Bond
    Non-Resident Contractor
    Division of Revenue
  • Money Transmitter Bond
    SALE OF CHECKS AND TRANSMISSION OF MONEY SURETY
    OFFICE OF THE STATE BANK COMMISSIONER
  • Money Transmitter Bond
    Casher of Checks, Drafts or Money Orders Surety
    Office of the State Commissioner
  • Telemarketing/Phone Solicitor Bond
    Telemarketing Registration and Fraud Prevention Ac
    Director Of The Consumer Protection Unit Of The DE
  • Prepaid/Preneed Funeral Bond
    Preneed Funeral Contracts Bond
    Office of the State Bank Commissioner
  • Appraisal Management
    Appraiser Bond
    State of Delaware

Lance Surety Bonds is committed to working only with the nation’s strongest providers, guaranteeing low rates and strong financial backing.

Continue reading the sections below for some commonly-asked questions about surety bonds in the state of Delaware.

Frequently Asked Questions

What are the different types of surety bonds in Delaware?

Surety bonds can be divided into three main categories:

  • License and permit bonds are the largest category of bonds and, as their name implies, they are required when your business is obtaining a business license or permit.
  • Contract bonds are required from construction contractors in certain scenarios– most often when they work on public projects, and the government requires them as a way to protect their investment. These should not be confused with contractor license bonds, which many states require when contractors apply to get licensed.
  • Court bonds are required under specific circumstances, such as when someone wants to appeal a court decision.

What’s the cost of obtaining a Delaware surety bond?

Before you can calculate your costs of getting bonded, you need to know what the total amount of the bond is. This amount refers to the maximum coverage of the bond. For example, for Delaware auto dealer bonds this amount is $25,000.

You pay only a fraction of that amount to get bonded, known as the bond premium. Premiums are most frequently paid on an annual basis, and less frequently once every two years. The exact percentage is determined only after you submit your application, but it should vary between 1% and 3% in cases where the applicant has good credit. Using the dealer bond example once more, this translates into annual payments of between $250 and $750.

Your financial statements, citizenship status, and even your resume can also influence your premiums. Learn more about it on our “What Does a Surety Bond Cost?” page.

Can I get my surety bond with bad credit?

While it is certainly true that your credit score plays an important role in determining your premium, in most cases it will not prevent your from getting bonded.

For license bonds, we have an approval rating of 99% and premiums generally vary between 4% and 15%. Most types of bad credit surety bonds will not call for a co-signer, nor require posting collateral.

Obtaining contract bonds, on the other hand, isn’t usually possible for applicants with bad credit. The project amounts of contracts most frequently requiring these bonds are simply too high, so bonding companies are unwilling to undertake the risk.

How to get bonded in Delaware

The application process is different depending on whether you need a license bond or a contract bond.

The application process also varies slightly based on the exact type of surety bond you need. Some bonds are subject to underwriting considerations, while others don’t even require a credit check.

Most bonds, however will require that the surety looks into your credit report and that you sign an indemnity agreement, guaranteeing the underwriter that you will reimburse them for all losses incurred by any claims you trigger.

For contract bonds, posting personal financial statements, as well as income statements and balance sheets, is obligatory. You can sometimes submit these for a license bond application as well, because strong financials and balance sheets may reduce your premium.

Most Popular Surety Bonds in Delaware

Bond for Financing the Sale of Motor Vehicles License

Also known as a motor vehicle dealer bond, this bond is required in support of the principal’s license for the benefit of the State Bank Commissioner and all consumers injured by any possible wrongful actions, default, fraud, or misrepresentation by the principal.

Debt Management Services License Surety Bond

A $50,000 bond required by the Delaware Attorney General (Director of Consumer Protection) in order to ensure compliance with all laws and regulations governing the business of providing debt management services.

Licensed Lender Surety Bond (Mortgage Lender/Banker

The State Bank Commissioner requires this bond be obtained by all mortgage lenders and mortgage bankers operating in the state. It ensures compliance with the specific license provisions outlined in Chapter 22, Title 5 of the Delaware Code. The principal sum of the bond must comply with the requirements of Commissioner’s Regulation Number 2204.

Mortgage Loan Broker Surety Bond

Similar to the bond required for Licensed Lenders, this $25,000 bond is required by all mortgage broker or loan originators in order to ensure compliance with Chapter 21, Title 5 of the Delaware Code. It is required by the State Bank Commissioner for the benefit of all consumers injured by wrongful actions, fraud or misrepresentation by a licensee. Compensation under the bond shall represent actual financials losses.

Telemarketing Company Bond

Telemarketers in Delaware need to post a $50,000 surety bond, which ensures their compliance with the Delaware Code, Chapter 25A. The bond remains in effect for 3 years after the termination of a telemarketer’s license.

Contractor’s License Bond

Contractors in New Castle County, Wilmington, and Newark, as well as non-resident contractors, need this surety bond to ensure compliance with local and state requirements. Total amounts vary by type of bond.

What Our Clients Have To Say?




Kimberlee Ables
Quick response times and turn around for issuing bonds. Great customer service and very knowledgeable. We have used Lance Surety multiple times and have never been disappointed. Highly recommend them and Collette!
Andrew Poincot
Long story short, these guys cut through the B.S. and get the job done. Responsiveness, excellent! Communication, excellent! Respect for their industry partners, excellent! John, Collette, Ryan, you're all-stars! Thank you!
Margie Martinez
We decided for Lance Surety Bond's quote for 2 reasons; Price and Customer Service. Our Representative Ryan was just SUPERB!! [...] I highly recommend Lance Surety Bond for all your Bonding needs! I'll definitely come back for all of mine. :-) Thanks Ryan!

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