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Iowa Surety Bonds

Complete Guide to getting Bonded in Iowa

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How Do I Get Bonded?

Types of Surety Bonds in Iowa

You may need to get three main kinds of surety bonds in Iowa:

  • To start some types of business such as an auto dealership or a mortgage brokerage, you’ll need to get a commercial bond (also known as a license bond).
  • You’ll need contract bonds to participate in many public and private construction projects as a general contractor.
  • A court bond may be required if you want to appeal a case or get appointed as a guardian.

In the table below, you can find the exact bond you need and apply for a free quote online.

Find Your Iowa Surety Bond

We offer all types of surety bonds in all 50 states. If you can't find your bond in the table below, select "General business license or permit bond (not listed otherwise)" and start your application.
Freight Broker Bond (BMC-84) N/A FMCSA Apply Now
General license & permit bond (not listed) N/A N/A Apply Now
Contractor License (No P&P Language) Bond City of Bettendorf Contractor License Bond City of Bettendorf, Building Inspection Services Apply Now
Contractor License Performance & Payment (Local) Bond License and Permit Bond (Davenport, IA) City of Davenport, Iowa Apply Now
Contractor License Performance & Payment (Local) Bond General Contractor Bond (Fort Dodge, IA) City of Fort Dodge, IA; City Treasurer's Office Apply Now
Contractor License Performance & Payment (Local) Bond Right of Way Permit Bond (Fort Dodge, IA) City Treasurer's Office Apply Now
Contractor License Performance & Payment (State) Bond Division of Labor Out of State Contractor Iowa division of labor contractor registration Apply Now
Contractor License Performance & Payment (State) Bond Contractor License Performance & Payment (State) B Iowa Division of Labor Apply Now
Contractor License Performance & Payment (State) Bond Commercial Refrigeration Bond Plumbing & Mechanical Systems Board Apply Now
Debt Consolidators Bond Credit Services Organization Secretary of State Apply Now
Insurance Adjusters Bond Insurance Adjuster Bond Iowa Insurance Division Apply Now
Insurance 3rd Party Administrator Bond Third Party Administrator Insurance Division Apply Now
Mortgage Broker (1st & 2nd Mortgages) Bond Mortgage Surety Superintendent of Banking, Dept of Commerce Apply Now
Mortgage Broker (1st & 2nd Mortgages) Bond Mortgage Broker Superintendent of Banking, Dept of Commerce Apply Now
Mortgage Broker (1st & 2nd Mortgages) Bond REGULATED LOAN LICENSE (IOWA) Superintendent of Banking Apply Now
Mortgage Lender/Banker (1st & 2nd Mort.) Bond Mortgage Banker Superintendant of Banking, Iowa Dept of Commerce Apply Now
Title Insurance Agents & Escrow Officers Bond Closing Agent Superintendent of Banking Iowa Department Apply Now
Auto & Mobile Home Dealers (New & Used) Bond Motor Vehicle Dealer Department of Transportation Apply Now
Auto & Mobile Home Dealers (Used Only, No New) Bond Motor Vehicle Dealer Department of Transportation Apply Now
Sport Permits Bond Athletic Commissioner Boxing/Wrestling/Mixed Marti State of Iowa Athletic Commission Iowa Division of Apply Now
Detectives Bond Detectives Bond Iowa Department of Public Safety Apply Now
Employment Agencies Bond Employment Agency Bond Workforce Developmetn Division of Labor Services Apply Now
Professional Licenses (All Other) Bond Purchase of Timber from Timber Growers by a Timber DNR - FORESTRY BUREAU Apply Now
Professional Licenses (All Other) Bond Licensed Service Company's Bond Insurance Commissioner of Iowa Apply Now
Schools (All) Bond Instructional School State of Iowa Apply Now
Travel Agencies Bond TRAVEL AGENCY BOND FORM Secretary of State Apply Now
Alcohol (Retailers) Bond Commerical Liquor License Iowa Alcohlic Beverages division Apply Now
Utility Deposit Bond Alliant Energy Utiltiy Bond Alliant Energy Apply Now
Money Transmitter Bond Money Transmitter Bond State of Iowa Apply Now

Have further questions about how to get bonded in Iowa? Call us at (877)-514-5146 to speak with our bonding experts.

How to Get an Iowa Surety Bond?

You can get your bond in three steps:

Apply Online

Complete our online application containing information about your bond and your details as an applicant.

Get a Bond Rate

Once we receive your application, we’ll find the most appropriate bonding option for you via our large surety partner network. You’ll then get a free, no-obligations quote.

Buy Your Bond

Just pay the bond premium to complete the bonding process. We’ll send your bond via email, and you can also request a paper copy.

Would you like to know more about how bonding works? Our extensive How to Get Bonded guide is an excellent resource on the topic.

If you want to learn how exactly your bond premium is set, you can use our How Much Does a Surety Bond Cost? guide.

Most Popular Surety Bonds in Iowa

Most Popular Surety Bonds in Iowa

Auto Dealer Bond

Iowa motor vehicle dealers need a $75,000 bond to get licensed with the state Department of Transportation.

Contractor License Bond

A number of cities in Iowa require contractors to get bonded. You may need a bond between $5,000 and $10,000. Out-of-state contractors need a $25,000 bond.

Mortgage Broker Bond

To get licensed as a mortgage broker with the Iowa Division of Banking, you’ll need a $100,000 bond.

Money Transmitter Bond

Money transmitters have to get a bond between $50,000 and $300,000, depending on the number of locations they want to operate. The licensing body is the Iowa Division of Banking.

Can I Get an Iowa Surety Bond with Bad Credit?

It can be difficult to get bonded if your credit is not stellar or if you're struggling with other financial issues.

Lance Surety Bonds’ bad credit surety bonds program can be a great option for you if that’s the case. The bonding rates are between 5%-15% of the required bond amount because of the increased bonding risk.

Additional Resources

Here are our detailed licensing guides for Iowa professionals:

However your bond amount is set, your bond price will be only a fraction of it, called the bond premium. This means that you need to pay only a percentage in order to get bonded, which is usually between 1% and 4% if you qualify for standard bonding.

When you apply for a bond, your surety takes a close look at your personal and business finances. It considers your personal credit score, business stats and overall experience. This is how the surety assesses the risk of providing you with a bond. If your finances are stable, you can expect a lower bond premium. | [/question]

Questions about Surety Bonds in Iowa

Can I get an Iowa surety bond with bad credit?

Even if your finances are far from perfect, there is a way to get bonded even with bad credit. Since we understand the hardships that bad credit applicants face, we operate our Bad Credit Program to assist them.

Under this program, the typical bond rates range between 5%-15%. The increased rate mitigates the risk of bonding applicants with low credit scores, liens, past bankruptcies or civil judgments.

Still, our clients benefit from our excellent bonding rates even with bad credit. Lance Surety Bonds fosters close relations with a number of A-rated, T-listed surety companies. This means we can select the top bonding option for your particular circumstances.


You can start your bonding process today with ease. Just apply online for your free Iowa surety bond quote, and you’ll receive a response in no time. Your exact bond cost will be available after you submit a full application.

Whether you need help with your application or have questions about bonding, you can always call us at (877) 514-5146. Lance Surety Bonds’ specialists will be happy to advise you.

For a complete guide to the bonding process, make sure to consult our How to Get Bonded page.

About Us

Lance Surety Bonds
Lance Surety Bond Associates, Inc. is a Pennsylvania-based surety bond agency that offers bonding at competitive rates in all 50 states. Established in 2010, our company has grown to become one of the top online bond producers in the country. Working exclusively with A-rated and T-listed bonding companies gives us the confidence to offer a 100% money-back guarantee. read more