99 surety guides, all in one place

State-by-State License Bond Guides

Sixty-eight in-depth guides — one per state we regularly file in. Each guide covers the state's bond amount, the licensing agency, the exact bond form, the filing procedure, and the renewal cadence. The most-visited pages in our library.

Recently updated: New Jersey Home Improvement Contractor, New York Home Improvement Contractor, Florida DBPR, California CSLB, Texas Motor Vehicle Dealer.

Bond Type Deep-Dives

Specialty guides on BMC-84 freight broker bonds, ERISA Section 412 fidelity, contract performance and payment, wage & welfare, employee dishonesty, public official, lost instrument and other niche programs. Written for readers who want the "how it actually works" version, not the marketing summary.

Hard-to-Place Programs

The specialty desk's playbook — how we place bad-credit performance bonds, distressed-contractor files, contested-probate matters, post-claim BMC-84 renewals, and other files where the standard market has already said no. Explains which specialty markets we use and what applicants can expect on pricing and collateral.

Renewal & Compliance

Renewal calendars, riders, mid-term increases, replacement bonds and what to do when an obligee changes the bond requirement mid-cycle. Also covers cancellation notice periods, refund policies and how to switch sureties without a lapse.

Underwriter Education

Thirty-one articles on the underwriting side of surety — how credit, financial statements and work-on-hand affect approval. Explains why sureties want the numbers they want, what "prime credit" actually costs vs "sub-standard credit", and how contractors can level up their bond line year over year.

Federal & Public Work

Miller Act performance and payment bonds on SF-25 / SF-25A, DOD subcontract bonds, GSA schedule requirements, and the US Treasury Circular 570 T-Listed register that every federal obligee references. Also covers Little Miller Act (state-level analogues) and public-agency bid procedures.