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Kentucky Surety Bonds

  • Fast and secure online application
  • All types of Kentucky surety bonds
  • Exclusive program for applicants with bad credit
  • Lowest rates in the country
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Regardless of what Kentucky surety bond you need, Lance Surety Bonds has got you covered. Our agents have a wealth of experience in underwriting all types of surety bonds, and thanks to our A-rated and T-listed surety partners, we can provide high-quality bonds at competitive rates.

In most cases, surety bonds can be compared to insurance. The protection they provide, however, is not for your business, but rather for the people you do business with. In case of a violation or fraud on your part, the affected party can file a bond claim against you. Read our “What is a Surety Bond?” page to learn more about surety bonds. Unlike insurance, surety bonds protect clients and regulating authorities, not your business. In addition, surety bonds differ from insurance in that you are still ultimately liable for any bond claims.

If you know the type of Kentucky surety bond you are looking for, you can apply directly by finding it in the table below. Scroll past the table, for the answers to some frequently asked questions about surety bonds in Kentucky. Can’t find what you’re looking for? Don’t hesitate to call us at (877) 514-5146.

Find Your Kentucky Surety Bond

  • Investment Advisor (Blue Sky) Bond
    Investment Advisors
    Department of Financial
  • Debt Consolidators Bond
    Debt Adjuster
    Office of the AG - Consumer Protection Division
  • Insurance Agents/Brokers Bond
    Financial Responsibility
    Office of Insurance, Agent Licensing Division
  • Mortgage Broker (1st & 2nd Mortgages) Bond
    Mortgage Loan Broker
    Executive Director, Office of Financial Institutio
  • Mortgage Lender/Banker (1st & 2nd Mort.) Bond
    $250K Mortgage Loan Company
    Executive Director, Office of Financial Institutio
  • Mortgage Lender/Banker (1st & 2nd Mort.) Bond
    $100K Mortgage Loan Company
    Executive Director, Office of Financial Institutio
  • Auto & Mobile Home Dealers (New & Used) Bond
    Motor Vehicle Dealer
    Motor Vehicle Commission
  • Auto & Mobile Home Dealers (Used Only, No New) Bond
    Motor Vehicle Dealer
    Motor Vehicle Commission
  • Motor Vehicle (Non-Dealer, Not Listed) Bond
    Highway Use
    Dept. of Vehicle Regulation Div. of Motor Carriers
  • Sport Permits Bond
    Boxing and Wrestling Authority Promoter
    Kentucky Boxing and Wrestling Commision
  • Health Spas/Health Clubs Bond
    Health Club
    Attorney General Division of Consumer Protection
  • Professional Licenses (All Other) Bond
    Precious Metals Dealer
    Lexington Fayette Urban County
  • Professional Licenses (All Other) Bond
    Transient Merchant
    Office of the Attorney General
  • Professional Licenses (All Other) Bond
    Appraisal Management Company
    Real Estate Appraisers Board
  • Professional Licenses (All Other) Bond
    Buying Club Bond
    Office of the Attorney General, Division of Consum
  • Professional Licenses (All Other) Bond
    Vacation Club Bond
    Attorney General, Div. of Consumer Protection
  • Professional Licenses (All Other) Bond
    Precious Metals Dealer License Bond
    City of Hardinsburg
  • Professional Licenses (All Other) Bond
    Waste Tire Registrants Bond
    KY Division of Waste Management
  • Professional Licenses (All Other) Bond
    Pawnbroker License Bond
    City of Hardinsburg
  • Professional Licenses (All Other) Bond
    Service Contract Provider/Obligor Performance Bond
    Commonwealth of Kentucky Dept. of Insurance
  • Professional Licenses (All Other) Bond
    Performance Agreement for Waste Tire Registrants
    Department for Environmental Protection
  • Schools (All) Bond
    Blanket Agent
    State Board for Proprietary Education
  • Schools (All) Bond
    School
    Kentucky Proprietary Board Education
  • Transportation Brokers Bond
    Vehicle License Bond
    Commissioner of Finance
  • Fuel Tax (All Others, Sellers & Users) Bond
    Motor Fuel Tax Refund Permit Holder's
    Department of Revenue Motor Fuels Tax Compliance
  • Fuel Tax (All Others, Sellers & Users) Bond
    Motor Fuels License
    KY Dept of Revenue Motor Fuels Tax Compliance
  • Miscellaneous Taxes Bond
    KENTUCKY HIGHWAY USE
    Commonwealth of Kentucky
  • Utility Deposit Bond
    City of Henderson Utility Payment Bond
    City of Henderson Utility Commission
  • Money Transmitter Bond
    Deferred Deposit Service/Check Cashier
    Department of Financial Institutions
  • Telemarketing/Phone Solicitor Bond
    Professional Solicitor
    State of Kentucky Attorney General
  • Telemarketing/Phone Solicitor Bond
    Telemarketing Company Bond
    Attorney General
  • Appraisal Management
    Appraisal Management Company Bond
    Kentucky Board of Real Estate Appraisers

Frequently Asked Questions

How much does a Kentucky surety bond cost?

The easiest way to learn about price formation when it comes to surety bonds is to think of it in terms of two numbers. The first one, called the total bond amount, is set by the state, and refers to the penal sum up to which you may have to compensate a claimant if their claim is deemed valid.

When you apply for a bond, the surety provider asks you to pay a bond premium in exchange for underwriting the surety bond you need. The bond premium is a small percentage of the total bond amount, calculated after an evaluation of your personal credit score and financial strength. Good credit applicants normally pay premiums no higher than 4% of the total bond amount.

For a more thorough explanation, check out our page dedicated to surety bond costs.

Can I still obtain a Kentucky surety bond if I have bad credit?

Surety bond companies take your personal credit score as a measure of how likely you are to trigger a claim, and repay any claims you incur. If you have a claim you cannot repay, the bonding company is responsible for paying it, so they don’t want to assume risks which are too high.

However, it’s still possible to obtain a surety bond in Kentucky, even with bad credit. The bonding company compensates for the elevated risk, by increasing the bond premium you have to pay. In case you have a bad credit score, or other credit issues, you can expect premiums of around 5% to 15% of the total bond amount.

How can I get bonded in Kentucky?

Now that you know how how surety bond pricing works, let’s look at how you can obtain a Kentucky surety bond.

Getting bonded is fast and simple, especially with Lance Surety Bonds’ online application.

You submit some information about your business, which takes no longer than a few minutes. After that, we will contact you with a bond quote, and a request to provide the documents we need to finalize your bond application.

When everything is finished, you will receive the original copy of the bond, which you can attach to your business application or wherever required.

Our surety bonds experts are there to provide assistance throughout the bonding process. Just call us at (877)-514-5146 and we’ll be happy to assist.

Types of Surety Bonds in Kentucky

Surety bonds– those in Kentucky included– fall into three main categories:

  • License bonds– required for many different businesses, as a prerequisite to obtaining a business license. They offer protection to the state and the business’ clients.

  • Construction bonds– needed for work on many large construction projects. A construction bond is a guarantee to the project owner, as well as to subcontractors, laborers, and suppliers, dealing with the general contractor.

  • Court bonds– if you are appealing a decision of a Kentucky court, you may be required to post a court bond. Fiduciaries appointed by a probate court are also frequently subject to a court bond requirement.

Most Popular Surety Bonds in Kentucky

Kentucky Motor Vehicle Dealer Bond

Kentucky requires both new and used-car dealers to post a motor vehicle dealer bond, protecting car buyers in the state.

Public Adjuster Bond

Debt consolidators in Kentucky need this bond to ensure only ethical practices are used in debt consolidation and negotiation.

Alcohol Bond

Liquor-selling businesses need an alcohol bond, guaranteeing that they will pay sales tax to the state.

Telemarketing Bond

Telemarketers or phone solicitors need to post a telemarketing bond as a protection against fraud and abuse.

Highway Use Bond

Truck drivers driving in Kentucky need to post this type of bond to guarantee payment of highway use taxes, as well as penalties and interest.

Mortgage Broker Bonds

This type of bonds protects mortgage borrowers against fraudulent practices on part of mortgage brokers.

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!

Still Have Questions? Check Our FAQ Pages