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New Jersey Surety Bonds

  • All types of bonds in New Jersey
  • Bad credit applicants welcome
  • Online application
  • Money back guarantee
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New Jersey Surety Bonds Explained

If this is the first time you are required to post a surety bond, you might not know much about them. The most important fact about surety bonds is that they are a binding contractual agreement between three sides:

  • A principal who has to get bonded
  • An obligee who requires the bond
  • A surety who underwrites the bond

A typical instance where a surety bond is required is when a business is looking to get licensed in order to operate legally. The surety bond ensures compliance with certain rules and regulations related to their industry, and typically offers protection to the business’s customers as well.

Here at Lance Surety Bonds we offer all types of surety bonds in New Jersey, all of them issued by the strongest A-rated and T-listed bonding companies in the U.S.

You can find the bond you need in the table below and start your online application process. If you want to learn more, check out the sections below, which will help you calculate your costs and provide some money-saving tips. If you need any help, feel free to call us at (877)-514-5146.

Find Your New Jersey Surety Bond

Market Agencies/Dealers Bond Secretary of Agriculture Secretary of Agriculture of The State of NJ Apply Now
Contractor License (No P&P Language) Bond General Contractor License Bond City of Jersey City Apply Now
Contractor License (No P&P Language) Bond Electrical Contractor Bond Board of Examiners of Electrical Contractors Apply Now
Contractor License Performance & Payment (Local) Bond General Contractor License Bond City of Jersey City Apply Now
Contractor License Performance & Payment (Local) Bond Procuring & Installation of a 1,000 Gallon Grease Hamilton Twsp Apply Now
Contractor License Performance & Payment (Local) Bond Master Plumber Bond Board of Examiners of Master Plumbers Apply Now
Contractor License Performance & Payment (State) Bond Township of Bloomfield Sidewalk Bond TOWNSHIP OF BLOOMFIELD Apply Now
Excess Weight, Other Highway & Street Permit Bond Maintenance License Bond City of Elizabeth Apply Now
Collection Agency Bond Collection Agency Deputy Attorney General Apply Now
Debt Consolidators Bond Debt Adjustment NJDOBI: License Services, Banking Apply Now
Professional Fund Raisers Bond Professional Fund Raisers Bond Division of Consumer Affairs Apply Now
Insurance Adjusters Bond Public Adjuster State of NJ Dept. of Banking & Insurance Apply Now
Insurance Agents/Brokers Bond Insurance Broker Commissioner of Banking and Insurance Apply Now
Mortgage Broker (1st & 2nd Mortgages) Bond Residential Mortgage Broker Commissioner of Banking and Insurance Apply Now
Mortgage Lender/Banker (1st & 2nd Mort.) Bond Mortgage Lender Dept of Banking and Insurance Apply Now
Auto & Mobile Home Dealers (New & Used) Bond Motor Vehicle Dealer Division of Motor Vehicles - Dealer Licensing Bure Apply Now
Auto & Mobile Home Dealers (Used Only, No New) Bond Used Motor Vehicle Dealer Surety Division of Motor Vehicles - Dealer Licensing Bure Apply Now
Health Spas/Health Clubs Bond Health Club Division of Consumer Affairs Apply Now
Detectives Bond Security Agency License Bond New Jersey State Police Private Detective Unit Apply Now
Detectives Bond Detectives Agency License Bond New Jersey State Police Private Detective Unit Apply Now
Employment Agencies Bond Temporary Help Service Firm New Jersey Division of Consumer Affairs Apply Now
Employment Agencies Bond Employee Leasing Company Dept of Labor and Workforce Development Apply Now
Employment Agencies Bond Employment Agency Bond New Jersey Division of Consumer Affairs Apply Now
Nursing Homes Bond Health Care Service Firm NJ Consumer Affairs Apply Now
Professional Licenses (All Other) Bond (License) Precious Metal State of New Jersey Apply Now
Professional Licenses (All Other) Bond Jewlery Buyer State of New Jersey Office of Weights and Measures Apply Now
Professional Licenses (All Other) Bond Fire Alarm, Burglar Alarm & Locksmith Advisory Com Division of Consumer Affairs Apply Now
Professional Licenses (All Other) Bond Sign Installation Bond DOT - Office of Outdoor Advertising Services Apply Now
Professional Licenses (All Other) Bond Commercial Handbill Distributor State of New Jersey- City of Atlantic City Apply Now
Professional Licenses (All Other) Bond Energy Consultant Bond New Jersey Treasurer Apply Now
Professional Licenses (All Other) Bond Massage Establishment Management Bond TOWNSHIP OF VOORHEES Apply Now
Professional Licenses (All Other) Bond Division of Fish and Wildlife Public Offical Bond NJ Division of Fish and Wildlife Apply Now
Professional Licenses (All Other) Bond Pawnbroker Bond NJDOBI License Services Apply Now
Professional Licenses (All Other) Bond Commerical Handbill Distributor Bond THE CITY OF ATLANTIC CITY - CITY HALL Apply Now
Professional Licenses (All Other) Bond NCEA Prep Class Bond National Coalition of Estheticians, Manufacturers Apply Now
Schools (All) Bond School Commissioner, NJ Department of Labor and Workforce Apply Now
Schools (All) Bond Private School Department of Labor Apply Now
Schools (All) Bond Driving School Bond NJ Motor Vehicle Commission Apply Now
Schools (All) Bond School Bond -Workforce Development NJ Department of Labor and Workforce Apply Now
Schools (All) Bond Tuition Surety County of Middlesex - Dept of Workforce Devp Apply Now
Alcohol (Manufacturers, Warehouses, Wholesalers) Bond Beverage Tax Bond NJ Dept of Treasury Apply Now
Alcohol (Retailers) Bond Beverage Tax Bond Dept. of Treasury, Beverage Tax Branch Apply Now
Cigar/Cigarette & Tobacco Tax Bond Tobacco Performance Bond Division of Taxation Apply Now
Fuel Tax (All Others, Sellers & Users) Bond Supplier of Motor Fuels Tax NJ Division of Taxation Apply Now
Fuel Tax (All Others, Sellers & Users) Bond Distributor of Motor Fuels Tax Bond State of New Jersey Apply Now
Utility Deposit Bond Energy Consultant Bond New Jersey Treasurer Apply Now
Utility Deposit Bond Utility Deposit Bond New Jersey Board Of Public Utilities- Audit/Licens Apply Now
Wages & Fringe Benefits Bond Wage & Fringe Benefit International Brotherhood Of Electrical Workers Apply Now
Wages & Fringe Benefits Bond Wages & Fringe Benefits International Brotherhood of Electrical Workers Apply Now
Wages & Fringe Benefits Bond Wages & Fringe Benefits International Brotherhood Of Electrical Workers Lo Apply Now
Wages & Fringe Benefits Bond Wage and Welfare Local Union #164 IBEW LOCAL 164 Apply Now
Wages & Fringe Benefits Bond Pipefitters Lcoal 274 Wages & Fringe Benefits Bond Pipefitters Local Union 274 Apply Now
Wages & Fringe Benefits Bond (U.A. - N.J.) Employee Benefit Funds Wage and Bene Refrigeration & Air Conditioning Service Division Apply Now
Fringe Benefits Only Bond OPERATING ENGINEERS LOCAL 825 FRINGE BENEFIT FUNDS Operating Engineers Local 825 Apply Now
Fringe Benefits Only Bond Refrigeration & Air Conditioning Service Employee Refrigeration and Air Conditioning Service Divisio Apply Now
Money Transmitter Bond Money Transmitter.Foreign Money Transmitter NJ Commissioner of Banking Apply Now

Frequently Asked Questions

Who needs a surety bond in New Jersey?

There are many different types of surety bonds and they all serve a different purpose. However, they can be grouped into three main categories, based on the purpose they serve:

  • License bonds are the largest group. Oftentimes, a new business that needs to get a license will be required by a state or federal agency to post a license bond. It ensures compliance with certain regulations and extends protection to clients.

  • Contract bonds are required from construction contractors for work on many public and some private projects. They protect project owners by ensuring the terms of the contract are upheld.

  • Court bonds are sometimes required of individuals appointed as fiduciaries and guardians. When someone wants to appeal a court decision in front of a higher instance, they may also need to post a court bond.

How much does a surety bond cost in New Jersey?

You can calculate your bonding costs in a few easy steps, or you can apply online and get a free bond quote almost instantly.

Every surety bond has a total bond amount required. This amount is determined by the state, but it is not the price of the bond. Instead, it is the maximum compensation the surety bond can extend to a successful claimant.

Similarly to insurance, surety bonds are obtained by paying bond premiums, which need to be paid annually or biannually, depending on the type of the bond. Applicants with a good credit score (a FICO of 650 or more) can expect premiums in the range of 1% to 4% of the total bond amount.

An applicant’s personal credit score is considered most carefully, although certain other factors can also affect bonding costs. For more on that topic, read our our What Does a Surety Bond Cost? page.

Are there bad credit surety bonds in New Jersey?

Some underwriters are unwilling assume the higher risk involved with bad credit bonds, which is why we created our exclusive bad credit surety bonds program. Thanks to it, 99% of applicants can get bonded.

Bonding premiums are slightly higher, in the range of 5% to 15% at most, but at least they allow you to remain in compliance. And if you take steps to improve your credit score, your renewal premium could be much lower.

How to Get Bonded in NJ

Our online application is a fast and secure way to get the surety bond you need. You’ll receive a no-obligations free bond quote, and an indemnity agreement to sign with the bonding company.

We always do our best to issue your bond as fast as possible. We’ll send it to you by mail once it’s ready, and you can request additional copies via fax or email. Do not hesitate to contact us at (877)-514-5146 if you have any questions or experience difficulties with your online application.

Most Popular Surety Bonds in New Jersey

Collection Agency Bond

A $5,000 surety bond is required from collection agencies before they can get licensed. The bond makes sure that money collected on behalf of third parties is properly distributed.

Public Adjuster Bond

This surety bond is required from public adjusters and insurance brokers, to ensure their duties are fulfilled in an ethical manner and that state regulations are followed.

Health Club Bond

Health clubs need to post a $30,000 surety bond to get licensed. The bonds ensures clubs uphold their contracts with customers.

Money Transmitter Bond

New Jersey money transmitters need a surety bond in an amount between $100,000 and $1,000,000. The bond ensures compliance with the Money Transmitter Act, New Jersey Statutes Annotated and other applicable regulations.

Mortgage Lender Bond

The Dept of Banking and Insurance requires mortgage lenders to get licensed and bonded. It’s a safety measure protecting the interest of homebuyers.

Motor Vehicle Dealer Bond

A $10,000 auto dealer bond is required from new and used car dealers as a prerequisite to getting licensed. Dealers need to remain compliant with all rules and regulations related to selling cars in order to stay of bond claims.

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