Types of Surety Bonds in North Carolina
Several different types of North Carolina surety bonds are available. These include:
- Commercial bonds: required of applicants for a professional or business license, such as North Carolina auto dealers, mortgage brokers, contractors, and others.
- Contract bonds: required of contractors to bid on public or private construction projects, as well as perform or maintain a construction project.
- Court bonds: sometimes required of individuals when appealing a court judgment or when being appointed as someone’s fiduciary or guardian.
Looking for a specific bond in North Carolina? Use the table below to search for the bond you need and get started with your application!
Find Your North Carolina Surety Bond
| Freight Broker Bond (BMC-84) | N/A | FMCSA | Apply Now |
| General license & permit bond (not listed) | N/A | N/A | Apply Now |
| Agricultural (Non-Livestock) Bond | Grain Dealer's Bond | NC Dept. of Agriculture and Consumer Serv. | Apply Now |
| Contractor License (No P&P Language) Bond | Irrigation Contractor's License | NC Irrigation Contractors Licensing Board | Apply Now |
| Contractor License (No P&P Language) Bond | Land Use and Construction Bond | Mecklenburg County Land Use & Environmental Servic | Apply Now |
| Contractor License Performance & Payment (Local) Bond | Privilege License Bond | City of Greensboro | Apply Now |
| Contractor License Performance & Payment (Local) Bond | Contractor License Performance & Payment (Local) B | Obligee info for this request was wrong | Apply Now |
| Contractor License Performance & Payment (State) Bond | Set-Up Contractor License | NC Manufactured Housing Board | Apply Now |
| Contractor License Performance & Payment (State) Bond | Home Warranty Bond | State of North Carolina, County of Wake | Apply Now |
| Contractor License Performance & Payment (State) Bond | Modular Building Set-Up Contractor License Bond | North Carolina Department of Insurance | Apply Now |
| Contractor License Performance & Payment (State) Bond | Landscape Contractors' Licensing Compliance Bond | NC Landscape Contractors Board | Apply Now |
| Investment Advisor (Blue Sky) Bond | Investment Advisor's | NC Secretary of State | Apply Now |
| Collection Agency Bond | 2013-2014 New Domestic Collection Agency Bond | Dept of Insurance | Apply Now |
| Debt Consolidators Bond | Credit Repair License | Attorney General | Apply Now |
| Professional Fund Raisers Bond | Solicitors | NC Sec. of State: Charitable Solicitation Section | Apply Now |
| Insurance Adjusters Bond | Public Adjuster Insurance | North Carolina Dept of Insurance | Apply Now |
| Insurance Agents/Brokers Bond | Broker Insurance | Commissioner of Insurance | Apply Now |
| Mortgage Broker (1st & 2nd Mortgages) Bond | Mortgage Broker Surety | Commissioner of Banks | Apply Now |
| Mortgage Broker (1st & 2nd Mortgages) Bond | Reverse Mortgage Bond | Commissioner of Banks | Apply Now |
| Mortgage Broker (1st & 2nd Mortgages) Bond | Mortgage Broker Bond | North Carolina Commissioner of Banks | Apply Now |
| Mortgage Lender/Banker (1st & 2nd Mort.) Bond | Mortgage Lender | Commissioner of Banks | Apply Now |
| Mortgage Lender/Banker (1st & 2nd Mort.) Bond | Mortgage Lender | Commissioner of Banks | Apply Now |
| Small Loan Companies Bond | Loan Broker | North Carolina Secretary of State | Apply Now |
| Defective Title Bond | Motor Vehicle Certificate of Title Indemnity Bond | NC DMV Vehicle Title | Apply Now |
| Auto & Mobile Home Dealers (New & Used) Bond | Motor Vehicle Dealer | Division of Motor Vehicles - License & Theft Burea | Apply Now |
| Auto & Mobile Home Dealers (New & Used) Bond | Manufactured Housing Dealers | Dept of Insurance Division of Motor Vehicle | Apply Now |
| Auto & Mobile Home Dealers (Used Only, No New) Bond | Motor Vehicle Dealer | Division of Motor Vehicles - License & Theft Burea | Apply Now |
| Sport Permits Bond | Boxing & Mixed Martial Arts Promoter's Surety Bond | Dept. of Crime Control & Public Safety, Alcohol La | Apply Now |
| Employment Agencies Bond | Professional Employer Organization | Department of Insurance | Apply Now |
| Professional Licenses (All Other) Bond | Professional Licenses (All Other) Bond | NC Department of Crime Control & Public Safety | Apply Now |
| Professional Licenses (All Other) Bond | Precious Metals Dealer (CC&PS Form 7) | NC Department of Crime Control & Public Safety | Apply Now |
| Professional Licenses (All Other) Bond | Business Opportunity Surety Bond | State of North Carolina | Apply Now |
| Professional Licenses (All Other) Bond | Prepaid Entertainment | Attorney General | Apply Now |
| Professional Licenses (All Other) Bond | City of Asheville License Bond | City of Asheville - Public Works Department | Apply Now |
| Professional Licenses (All Other) Bond | Public Utility Franchise Bond | North Carolina Utilities Commission | Apply Now |
| Professional Licenses (All Other) Bond | Precious Metal Dealer Bond | NC Department of Public Safety | Apply Now |
| Schools (All) Bond | Community College License Bond | State Board of Community College | Apply Now |
| Schools (All) Bond | Commercial Driver Training School and Instructors | NC Division of Motor Vehicles | Apply Now |
| Schools (All) Bond | Barber School Guaranty Bond | Board of Barber Examiners | Apply Now |
| Schools (All) Bond | Cosmetic Art Examiners Guaranty | State Board of Community College | Apply Now |
| Schools (All) Bond | Private School Bond | North Carolina State Approving Agency | Apply Now |
| Cigar/Cigarette & Tobacco Tax Bond | Tax Bond for Tobacco Products Other Than Cigarette | North Carolina Dept. of Revenue | Apply Now |
| Cigar/Cigarette & Tobacco Tax Bond | Tax Bond for Cigarettes | NORTH CAROLINA DEPT OF REV | Apply Now |
| Fuel Tax (All Others, Sellers & Users) Bond | Motor Fuels Tax Liability Bond | North Carolina Department of Revenue | Apply Now |
| Utility Deposit Bond | Duke Energy | Duke Energy | Apply Now |
| Utility Deposit Bond | Utility Deposit Bond | Progress Energy Carolinas, Inc. | Apply Now |
| Utility Deposit Bond | Utility Guarantee Bond | Kinston Public Services | Apply Now |
| Utility Deposit Bond | Union Power Cooperative Bond | Union Power Cooperative | Apply Now |
| Utility Deposit Bond | Utility Deposit Bond | Dominion North Carolina Power | Apply Now |
| Utility Deposit Bond | Utility Deposit Bond | Duke Energy Florida, Inc | Apply Now |
| Utility Deposit Bond | In Lieu of Deposit Bond | City of New Bern | Apply Now |
| Utility Deposit Bond | (Duke Energy) Electric Service Bond | Duke Energy Progress | Apply Now |
| Financial Guarantee (All Other) Bond | GUARANTY | The North Carolina Community College System | Apply Now |
| Financial Guarantee (All Other) Bond | Guaranty | North Carolina Community College System | Apply Now |
| Lottery Bond | Education Lottery Bond | North Carolina Lottery Commission | Apply Now |
| Lottery Bond | Education Lottery Bond | North Carolina Lottery Commission | Apply Now |
| Appraisal Management | Appraisal Management Company Bond | North Carolina Appraisal Board | Apply Now |
Do you have any questions about the North Carolina surety bond requirements? Call us at (877)-514-5146 anytime!
Questions about Surety Bonds in North Carolina
Getting a surety bond in North Carolina is very simple. Here are the three main steps that you need to complete:
Apply For Your Bond
To get started, you simply need to complete our online application. You will need to provide us with basic information about the bond that you need as well as contact information so we can get in touch with you.
Get a Bond Rate
Once you’ve applied for your bond, we will contact you to offer you a free quote on your bond. There are no obligations attached to submitting an application and requesting a quote.
Buy Your Bond
To get bonded, you only need to pay your bond premium. After that, your bond will be issued instantly or within 24 hours after which you will receive it via email.
Want to know more about the process of getting bonded? See our detailed How to Get Bonded guide for a full overview of the process.
Wondering how much a surety bond costs in North Carolina? See our How Much Does a Surety Bond Cost? for a thorough explanation of how bond cost is determined!**
How Much Will My NC Surety Bond Cost?
Each surety bond has a different total bond amount, which refers to the maximum coverage it can offer to successful claimants. Therefore, to calculate your bonding cost, you need to start with this amount. For example, a North Carolina auto dealer bond is $50,000.
However, a dealer wishing to obtain that bond and get a license, will not be required to post the full amount. Instead, they pay yearly premiums, which are a small percentage of the total amount, especially if they have a good credit score. Surety underwriters consider credit score essential when examining a particular application. Applicants with a good FICO score will rarely pay premiums above 4%.
Go to our What Does a Surety Bond Cost? page for more information about calculating and reducing your premiums.
Can I Get a North Carolina Surety Bond With Bad Credit?
Yes, you can still get bonded, even if you have a bad credit score though it may be slightly more difficult.
While some underwriters are unwilling to assume the higher risk involved, with Lance Surety Bonds 99% of applicants are guaranteed to get the bond they need, thanks to our bad credit surety bondsprogram.
Premiums for bad credit applicants are determined on a case-by-case basis but are typically in the range of 5% to 15% of the total bond amount, and collateral is rarely required.
After you pay your bond quote, we will make sure we process your application as fast as possible and have it signed by the surety in 1 or 2 business days.
Additional Resources
Want to become licensed and bonded in North Carolina? See our detailed licensing guides to learn how to apply for a license:
- How to Get a North Carolina Dealer License
- How to Get a North Carolina Contractors License
- Your North Carolina Mortgage Broker License Guide
- How to Get a North Carolina Collection Agency License
Most Popular Surety Bonds in North Carolina
Mortgage brokers in North Carolina need to be licensed and bonded before they can operate. The bond ensures an extra layer of protection to home buyers interested in the services of a mortgage broker.
Both new and used car dealers need to get bonded prior to licensing. The surety bond protects the interests of car buyers. It be must in an amount of $50,000 for one salesroom and $25,000 for every additional salesroom.
Ensures that collection agencies will promptly distribute funds collected on behalf of clients. This bond is a licensing pre-requisite. The bond amount varies depending on if the agency is domestic or alien.
There are statewide as well as local (city) requirements for contractors to get bonded, in order to get licensed. These bonds ensure that contractors will act in accordance with building codes and ordinances.
Insurance brokers in North Carolina need to post a $15,000 surety bond, which makes sure they handle money and insurance policies in an ethical manner.
To become licensed, money transmitters in North Carolina must post a bond in an amount between $150,000 and $250,000. This bond guarantees compliance with the state’s Money Transmitters Act.
Sports promoters need this surety bond in order to get licensed in North Carolina. The bond must be in an amount of at least $10,000. It ensures compliance with applicable state laws.
Required from lottery retailers prior to obtaining a license. Ensure ethical conduct, specifically that they will properly remit money gathered from lottery ticket sales.
City-level Bonding Requirements
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