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Iowa Surety Bonds Overview
Bryant Surety Bonds has a nationwide bonding program that allows us to write all types of surety bonds in Iowa. This is because we work with a number of acclaimed and well-known A-rated and T-listed Iowa surety bond companies. These provide us with some of the lowest bond rates in the state.
If you have been turned down in the past then try our Bad Credit Surety Bond Program. Through our partnership with the above sureties, we can provide bad-credit applicants with the chance to get bonded at the best rates available to them. To find out more, see the section entitled “Surety Bond Cost” below.
If you are ready to apply for your Iowa surety bond immediately, look for your surety bond in the table below. Once you’ve found it, click the ‘Apply’ button and fill in our online application. We will be in touch with you soon with a free quote.
If you’re not sure which type of Iowa surety bond you need, continue to the sections below for more information about the different types of Iowa surety bonds, how much they cost, and how you can get yours.
Find the Bond You Need
Contractor License (No P&P Language) BondCity of Bettendorf, Building Inspection ServicesCity of Bettendorf Contractor License Bond
Contractor License Performance & Payment (Local) BondCity of Davenport, IowaLicense and Permit Bond (Davenport, IA)
Contractor License Performance & Payment (Local) BondCity of Fort Dodge, IA; City Treasurer's OfficeGeneral Contractor Bond (Fort Dodge, IA)
Contractor License Performance & Payment (Local) BondCity Treasurer's OfficeRight of Way Permit Bond (Fort Dodge, IA)
Contractor License Performance & Payment (State) BondIowa division of labor contractor registrationDivision of Labor Out of State Contractor
Contractor License Performance & Payment (State) BondIowa Division of LaborContractor License Performance & Payment (State) B
Contractor License Performance & Payment (State) BondPlumbing & Mechanical Systems BoardCommercial Refrigeration Bond
Debt Consolidators BondSecretary of StateCredit Services Organization
Insurance Adjusters BondIowa Insurance DivisionInsurance Adjuster Bond
Insurance 3rd Party Administrator BondInsurance DivisionThird Party Administrator
Mortgage Broker (1st & 2nd Mortgages) BondSuperintendent of Banking, Dept of CommerceMortgage Surety
Mortgage Broker (1st & 2nd Mortgages) BondSuperintendent of Banking, Dept of CommerceMortgage Broker
Mortgage Broker (1st & 2nd Mortgages) BondSuperintendent of BankingREGULATED LOAN LICENSE (IOWA)
Mortgage Lender/Banker (1st & 2nd Mort.) BondSuperintendant of Banking, Iowa Dept of CommerceMortgage Banker
Title Insurance Agents & Escrow Officers BondSuperintendent of Banking Iowa DepartmentClosing Agent
Auto & Mobile Home Dealers (New & Used) BondDepartment of TransportationMotor Vehicle Dealer
Auto & Mobile Home Dealers (Used Only, No New) BondDepartment of TransportationMotor Vehicle Dealer
Sport Permits BondState of Iowa Athletic Commission Iowa Division ofAthletic Commissioner Boxing/Wrestling/Mixed Marti
Detectives BondIowa Department of Public SafetyDetectives Bond
Employment Agencies BondWorkforce Developmetn Division of Labor ServicesEmployment Agency Bond
Professional Licenses (All Other) BondDNR - FORESTRY BUREAUPurchase of Timber from Timber Growers by a Timber
Professional Licenses (All Other) BondInsurance Commissioner of IowaLicensed Service Company's Bond
Schools (All) BondState of IowaInstructional School
Travel Agencies BondSecretary of StateTRAVEL AGENCY BOND FORM
Alcohol (Retailers) BondIowa Alcohlic Beverages divisionCommerical Liquor License
Utility Deposit BondAlliant EnergyAlliant Energy Utiltiy Bond
Money Transmitter BondState of IowaMoney Transmitter Bond
Types of Surety Bonds in Iowa
As the #1 surety bond producer in the state, Bryant Surety Bonds can underwrite all types of Iowa surety bonds.
These include all types of Iowa license bonds, which are necessary for many businesses that are applying for licenses. They also include all Iowa contract bonds, which are the types of bonds required by contractors who wish to bid or perform work on construction projects. Finally, we also offer the full variety of Iowa court bonds, for those among our clients who have been ordered by an Iowa court to obtain a certain bond.
For more details, have a look at the sections below. There you’ll find everything you need to know about every type of Iowa surety bonds.
Iowa License & Permit Bonds
Iowa license and permit bonds (also known as Iowa commercial bonds) are relevant for those businesses who are required by state regulations to get bonded when getting licensed.
These bonds are a must in every U.S. state, although each state determines which businesses should get bonded, and for what amounts. There are some exceptions, such as freight broker bonds, which are fixed on a federal level and are required in all states for the same bonding amount.
The point of Iowa license bonds is to guarantee that Iowa businesses who are licensed and bonded will adhere to Iowa state and industry regulations for their license. This means that they will only conduct business lawfully and legally. Iowa license bonds protect bond obligees (the state and clients) by securing surety backing for them, which they can receive as compensation should a business act dishonestly, commit fraud or else.
We receive plenty of applications for Iowa license bonds on a daily basis, such as for the Iowa auto dealer bond, and for Freight broker bonds. We underwrite absolutely all types of Iowa license bonds, including Iowa mortgage broker bonds, telemarketing bonds, sales tax bonds and others.
To find out more about how much Iowa commercial bonds cost, and what a surety bond’s amount is, see the Iowa surety bond cost section below.
Iowa Contract Bonds
Iowa contract bonds are another set of surety bonds which we underwrite regularly. These bonds, which include Iowa performance bonds and Iowa payment bonds, are necessary for contractors. Licensed and bonded Iowa contractors must obtain these bonds when they decide to bid on or participate on a construction project.
Usually these bonds are required for state or federal construction projects but many private construction project owners will also have a surety bond requirement for the contractors they hire. The point of Iowa contract bonds is to protect the obligees, which are the owners or the state, against contractor malpractices and bad performance.
Iowa Court Bonds
Iowa court bonds are also among the surety bonds which we can provide our clients with. These bonds are often required of individuals by a variety of Iowa courts, depending on each particular case. They are relevant for instances when court judgements are being appealed or fiduciaries are being appointed.
To speak to one of Bryant Surety Bonds’ experts, give us a call at (866) 450-3412. We will gladly respond to any questions you may have about your own Iowa surety bond as well as help you with your application.
Surety Bond Cost in Iowa
The cost - or premium - of your Iowa surety bond is derived from the amount of your surety bond, as it is fixed by state regulations, as well as by your own financial standing. A surety bond’s amount or penal sum is the amount of coverage that it provides to the ones it secures - the obligees. A bond’s obligees are usually the public (the state) or individual consumers. Surety bond cost is, in most cases, a percentage of that amount.
To determine the appropriate amount of an applicant’s premium, sureties assess the applicant’s financial status. One of the most important indicators which they consider in doing so is personal credit score. To get a fuller picture, sureties may also want to review your:
Personal financial statements
Business financial statements
Industry experience and knowledge
- Business and its health
If a surety deems an applicant reliable, based on their credit score and other factors, they will usually offer them a premium that is between 1%-4% of the total bond amount. This is called a standard market rate and it is usually offered to applicants with high credit scores.
Yet, applicants with low, bad, or no credit altogether can also apply for a bond and be approved. This is possible through Bryant Surety Bonds’ Bad Credit Surety Bond Program. While other agencies might turn down these applicants, we have made an extra effort over many years to secure markets for those among our clients whose credit score is less than perfect.
Rates under this program are higher, usually 5%-15% of the total amount, because of the greater risk that sureties take on in bonding bad credit applicants. At the same time, all our clients are guaranteed to only receive the lowest rates that we can secure for them, through our great surety partners.
If you’re curious how much your surety bond may cost, our surety bond cost calculator on the right can help you get an estimate. If you’d rather get an exact quote, simply go ahead and submit your application. We will shortly respond to you with an entirely free bond quote.
If you find you need more information about premiums, our Surety Bond Cost page has plenty of useful information.
How to Get Bonded in Iowa
To apply for your Iowa surety bond, simply fill in the relevant application form and submit it. Once your application is processed, we’ll get in touch with a free quote on your bond and, in some cases, may request additional documentation.
For an Iowa license and permit bond, apply online here. Most license and permit bonds are approved quickly, so you can expect to hear from us soon after you submit your application. In certain instances, such as for financial guarantee license bonds, approval may take longer. However, we always do our best to secure fast approvals for all our applicants.
To apply for an Iowa contract surety bond, you’ll need to fill in a different type of application form. If the amount of your Iowa contract bond is less than $250,000, please use the Fast Track Program application form.
If the amount of your contract bond is more than $250,000, please use our Full Bond Line Project application form, because applications and approvals for such bonds are processed differently than they are for smaller ones.
To apply, download the relevant contract bond online form. Fill it in and send it to us. Contract bonds take longer to receive approval, but our surety experts are working full-time to process applications and get them approved.
If you have any questions about your application or you need help, just call us at (866)-450-3412. We can provide you with support and guidance, as well as respond to all your queries. We will be happy to help!
Finally, to better understand how surety bonds work, consult our expert ‘what is a surety bond’ guide. There you can learn about the differents sides in a surety bond agreement, the different types of surety bonds as well as how surety bond claims work.
Iowa Surety Bond Companies
To secure the highest quality of service for our clients, Bryant Surety Bonds has established partnerships with some of the best surety bond companies in Iowa. We have long worked with sureties like Great American Insurance Company, Liberty Mutual Insurance Company, International Fidelity Insurance Company, to name just a few.
All of these are A-rated and T-listed companies, highly acclaimed for their quality and financial stability. If you want your surety bond to be backed by one of them, apply with Bryant Surety Bonds!