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

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.

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

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