Kentucky Surety Bonds Overview

Bryant Surety Bonds offers its customers every type of surety bond in the state of Kentucky. It’s our mission to provide the lowest bonding rates to everyone, which is possible thanks to our long-term partnership with some of the best bonding companies in the country. All of them are A-rated and T-listed, with excellent financial capacity.

Our Bad Credit Program is exclusively tailored to meet the needs of clients with less-than-perfect credit scores or other credit issues, such as civil judgments or tax liens. With our help, surety bonds in Kentucky are always within your reach.

The table below contains a comprehensive list of all surety bonds in the state, with the option to apply for the one you need directly. Scroll below the table for all the additional information you might need before getting bonded. Need help with your application? Call us at (866) 450-3412.

Find the Bond You Need

The table below contains a list of only the most popular surety bonds. If you can't find yours, fill out our online application and select "Not in the list".

Investment Advisor (Blue Sky) Bond Department of Financial Investment Advisors Apply Now
Debt Consolidators Bond Office of the AG - Consumer Protection Division Debt Adjuster Apply Now
Insurance Agents/Brokers Bond Office of Insurance, Agent Licensing Division Financial Responsibility Apply Now
Mortgage Broker (1st & 2nd Mortgages) Bond Executive Director, Office of Financial Institutio Mortgage Loan Broker Apply Now
Mortgage Lender/Banker (1st & 2nd Mort.) Bond Executive Director, Office of Financial Institutio $250K Mortgage Loan Company Apply Now
Mortgage Lender/Banker (1st & 2nd Mort.) Bond Executive Director, Office of Financial Institutio $100K Mortgage Loan Company Apply Now
Auto & Mobile Home Dealers (New & Used) Bond Motor Vehicle Commission Motor Vehicle Dealer Apply Now
Auto & Mobile Home Dealers (Used Only, No New) Bond Motor Vehicle Commission Motor Vehicle Dealer Apply Now
Motor Vehicle (Non-Dealer, Not Listed) Bond Dept. of Vehicle Regulation Div. of Motor Carriers Highway Use Apply Now
Sport Permits Bond Kentucky Boxing and Wrestling Commision Boxing and Wrestling Authority Promoter Apply Now
Health Spas/Health Clubs Bond Attorney General Division of Consumer Protection Health Club Apply Now
Professional Licenses (All Other) Bond Lexington Fayette Urban County Precious Metals Dealer Apply Now
Professional Licenses (All Other) Bond Office of the Attorney General Transient Merchant Apply Now
Professional Licenses (All Other) Bond Real Estate Appraisers Board Appraisal Management Company Apply Now
Professional Licenses (All Other) Bond Office of the Attorney General, Division of Consum Buying Club Bond Apply Now
Professional Licenses (All Other) Bond Attorney General, Div. of Consumer Protection Vacation Club Bond Apply Now
Professional Licenses (All Other) Bond City of Hardinsburg Precious Metals Dealer License Bond Apply Now
Professional Licenses (All Other) Bond KY Division of Waste Management Waste Tire Registrants Bond Apply Now
Professional Licenses (All Other) Bond City of Hardinsburg Pawnbroker License Bond Apply Now
Professional Licenses (All Other) Bond Commonwealth of Kentucky Dept. of Insurance Service Contract Provider/Obligor Performance Bond Apply Now
Professional Licenses (All Other) Bond Department for Environmental Protection Performance Agreement for Waste Tire Registrants Apply Now
Schools (All) Bond State Board for Proprietary Education Blanket Agent Apply Now
Schools (All) Bond Kentucky Proprietary Board Education School Apply Now
Transportation Brokers Bond Commissioner of Finance Vehicle License Bond Apply Now
Fuel Tax (All Others, Sellers & Users) Bond Department of Revenue Motor Fuels Tax Compliance Motor Fuel Tax Refund Permit Holder's Apply Now
Fuel Tax (All Others, Sellers & Users) Bond KY Dept of Revenue Motor Fuels Tax Compliance Motor Fuels License Apply Now
Miscellaneous Taxes Bond Commonwealth of Kentucky KENTUCKY HIGHWAY USE Apply Now
Utility Deposit Bond City of Henderson Utility Commission City of Henderson Utility Payment Bond Apply Now
Money Transmitter Bond Department of Financial Institutions Deferred Deposit Service/Check Cashier Apply Now
Telemarketing/Phone Solicitor Bond State of Kentucky Attorney General Professional Solicitor Apply Now
Telemarketing/Phone Solicitor Bond Attorney General Telemarketing Company Bond Apply Now
Appraisal Management Kentucky Board of Real Estate Appraisers Appraisal Management Company Bond Apply Now

Types of Surety Bonds in Kentucky

There are three main categories of surety bonds in Kentucky. Regardless of which ones you need, Bryant Surety Bond can help.

Whether you own a business that needs a business license and a license bond, or a you’re a construction contractor who works on a project requiring construction bonds, you can rely on us. We also issue court bonds for those who need them.

Read the sections below to find out more about these three types of bonds.

Kentucky License Bonds

Many different businesses wishing to operate in Kentucky will need a license bond. The license bond is usually inseparable from the business license, and needs to be renewed at the same time.

The purposes of license bonds are many. First and foremost, they protect the clients of the bonded business. If the business commits fraud, or violates the bond agreement in some other way, the client can file a claim against the bond.

License bonds also protect the state, by making sure the business is run in accordance with state rules and regulations, such as paying taxes.

Some of the frequently requested license bonds are the Kentucky Motor Vehicle dealer bond, the freight broker bond, as well as the highway use tax bond, which is a type of tax bond.

Kentucky Construction Bonds

Often, when construction contractors want to place bids or work on large public projects, they are required to post several different types of construction bonds. Private project owners may choose to require them, too, as a way to protect their investment.

Every construction bond serves a different purpose, and more than one are frequently required together. Performance and payment bonds, for example, protect the project owner in case of contractor default. They also guarantee subcontractors, laborers, and suppliers that they will be paid for their services in a timely manner.

As is the case with other types of surety bonds, construction bonds can serve as the foundation for a claim, if the contractor defaults on the project or otherwise violates the contract.

Kentucky Court Bonds

The third category of bonds in the state are court bonds. They may be required if you are appealing a judgment made by a Kentucky court. If you have been appointed fiduciary by a probate court, you may also need to post a court bond.

Bryant Surety Bonds is there for you if you have any questions related to surety bonds. Call our agents at (866) 450-3412 and they will gladly help you out.

Surety Bond Cost in Kentucky

Understanding and calculating the cost of your surety bond isn’t difficult when you know the underlying concept behind them. You can think of them like insurance, but they protect your clients, instead of your business. And, unlike insurance, surety bond claims must be repaid by you to the surety company.

Similarly to insurance, you have a sum up to which someone can be compensated in case of an event described in the policy. In the case of surety bonds, this sum is called the total bond amount. Total bond amounts are different for different types of surety bonds, and are determined by the state.

The holder of the bond must pay a premium in order to receive the surety bond. This premium is no larger than a few percentage points of the total bond amount, especially for applicants with good credit score. Your personal credit score is by far the most important determinant of your bond premium. But bond underwriters take into account several different factors, such as:

  • Financial statements (both personal and business)
  • Assets and liquidity
  • Industry experience

If your credit score is good and you are financially stable, you can expect a premium between 1% and 4%.

People with bad credit– or people with no credit history– are considered a higher risk for the surety underwriters, because they are also legally responsible if a surety bond holder triggers a claim. Luckily, Bryant Surety Bonds offers an exclusive Bad Credit Program, through which even applicants with a compromised credit score or a spotty credit history can get the surety bond they need. The usual premiums in that case vary between 5% and 15%.

To get a rough estimate of your bond premium, you can use the surety bonds calculator in the right sidebar of this page. If you want to learn about bonding costs in even more detail, you can head to our “Surety Bond Cost” page.

Getting a Kentucky Surety Bond

Now that you have the most important information related to Kentucky Surety Bonds, you can apply online using our user-friendly application tool. You will be provided with instructions on what to do, but submitting it should take no longer than a few minutes.

If you prefer talking to a surety bonds agent for further assistance, do not hesitate to call us at (866) 450-3412. We are waiting for your call!

If you want to continue your reading, you can check out our “What is a Surety Bond?” page, or browse even more topics in the Education Center.


About the author:
Todd Bryant
Todd Bryant is a graduate of Germantown Academy and the University of Pittsburgh College of Business Administration Honors College. He has been President of Bryant Surety Bonds, Inc., an A+ rated Business with the Better Business Bureau, since 2007. Licensed as a producer with the Department of Insurance, he has been published in the National Association of Surety Bond Producers newsletter and on numerous authoritative publications such as The Washington Post, Entrepreneur.com, Azcentral.com and many more.