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Montana Surety Bonds

  • Possible to get bonded with bad credit
  • Fast online application reduces approval times
  • Lowest rates on all bonds
  • Every type of Montana surety bond available
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What is a Montana surety bond?

If this is the first time you’ve heard of surety bonds, get a complete understanding by reading our What is a Surety Bond? page. Surety bonds are a regulatory requirement, which either businesses or individuals may need to fulfill.

A surety bond is a binding agreement between three sides:

  • The principal is the side which needs to procure the surety bond.
  • The obligee is the side which mandates that the principal post the bond.
  • The surety is the company underwriting the bond and backing the agreement.

If the principal violates the agreement, they are liable for their actions and may need to compensate any valid claim arising from that violation. As the backer of the bond, the surety needs to reimburse the claimant if the principal can’t. Ultimately, the principal will have to repay that money, as surety bonds typically come with an indemnity agreement between the principal and the surety.

Do you know which Montana surety bond you need? Simply click Apply Now once you locate it in the table below. If you don’t find what you’re looking for, feel free to call us at (877) 514-5146.

Below the table we answer some of the most frequently asked questions about Montana surety bonds.

Find Your Montana Surety Bond

  • Contractor License Performance & Payment (Local) Bond
    (Whitefish, MT) Public Works Contractor License Bo
    City of Whitefish Public Works Dept.
  • Mortgage Broker (1st & 2nd Mortgages) Bond
    Mortgage Broker Licensee Bond
    Division of Banking and Financial Institutions
  • Mortgage Lender/Banker (1st & 2nd Mort.) Bond
    Mortgage Lender
    Division of Banking and Financial Institutions
  • Mortgage Lender/Banker (1st & 2nd Mort.) Bond
    Mortgage Lender License Bond
    Division of Banking and Financial Institutions
  • Title Insurance Agents & Escrow Officers Bond
    Escrow Business Bond
    MT, Division of Banking and Finacial Instatutions
  • Auto & Mobile Home Dealers (New & Used) Bond
    Motor Vehicle Dealer
    Title and Registration Bureau
  • Auto & Mobile Home Dealers (Used Only, No New) Bond
    Motor Vehicle Dealer
    Title and Registration Bureau
  • Professional Licenses (All Other) Bond
    Process Server/Levy Officer
    Dept of Labor: Board of Private Security
  • Professional Licenses (All Other) Bond
    Special Fuel User (Contractor) Bond
    Montana Dept of Transportation Motor Fuels Section

Frequently Asked Questions

Are there different types of Montana surety bonds?

There are many different types of surety bonds and they each serve a different purpose, but they can be grouped in three main categories:

  • License bonds– also referred to as commercial bonds– are a large group of bonds required from many businesses when they want to obtain a business license in Montana.
  • Construction bonds are most frequently required for public projects, to ensure contractors adhere to the terms of the contract. They are sometimes needed for private projects as well.
  • Court bonds are most frequently required by a probate court, from individuals who are appointed guardians or fiduciaries. Court appeals may sometimes require a court bond as well.

How much does a Montana surety bond cost?

Each surety bond has a different total bond amount, determined by the state. The total bond amount is the maximum penal sum of the bond, i.e., what you may owe as compensation to a claimant.

To purchase the surety bond, you pay a bond premium determined by the bond underwriter. This amount will vary based on your personal credit score, in addition to other factors you choose to disclose, such as financial statements or resume. Applicants with a good credit score usually pay premiums between 1% and 4% of the total bond amount.

Your personal credit score is the most important factor, because the surety considers it to be the most reliable way of calculating the risk assumed in underwriting each surety bond.

What if I have bad credit? Can I still get bonded in Montana?

If your credit score is compromised, you are considered a high-risk applicant. Sureties want to reduce that risk by offering higher premiums, just like banks offer higher interest rates on riskier loans. Some sureties may even reject your application.

Luckily, Lance Surety Bonds has a program that’s designed especially for bonding bad credit applicants. We only work with the most reliable A-rated and T-listed surety bond companies. Thanks to these partnerships, we can negotiate the best deal on your behalf. Bad credit premiums range between 5% and 15%, and we never ask you to post collateral. We can usualy find you a rate that’s low enough that you don’t have to look for a co-signer.

Visit our What Does a Bond Cost? page for some more tips on reducing your premiums and calculating your bonding costs.

How do I get bonded in Montana?

The process of obtaining a Montana surety bond is a fairly simple one. Our online application is easy to use and will take you only a few minutes. We will contact you shortly after your submission, to request any additional information we’ll need to complete your application.

We’ll match your application with the bonding company that offers the best rate, and will notify you once your bond is ready. You need to submit the original bond form wherever required, but we can provide you copies via fax and email.

Read more on how to get bonded, or contact us at (877) 514-5146 if you have any questions about obtaining your surety bond.

Most Popular Surety Bonds in Montana

Montana Auto Dealer Bond

Want to become a car dealer in Montana? Obtaining an auto dealer bond is one of the most important requirements you need to fulfill.

Private Investigator Bond

This bond ensures that licensed private investigators will comply with state and local laws, as well as the that the public is protected from fraudulent acts.

Mortgage Broker Bond

The mortgage broker bond safeguards the interests of homebuyers in the process of getting a mortgage. The bond is mandatory prior to obtaining a mortgage broker license.

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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