Missouri Surety Bonds Overview

Surety bonds are required in Missouri for several purposes. To obtain a business license, you may need to get bonded before the licensing agency issues your license. Similarly, as a contractor, in order to work on a state or federal construction project over a certain dollar amount, you may be asked to get bonded.

What is the purpose of the bond?

Surety bonds guarantee that the bonded party, called the bond principal, will comply with the conditions of the bond. These conditions usually include compliance with state laws and specific responsibilities and obligations of the principal.

The bond also acts as protection for one or several parties, called the bond obligee, which is usually the state but often also the public of the state. The obligee can file a claim against the bond if a principal’s actions have led to their suffering losses or damages. The bond guarantees that claimants can receive financial compensation when filing a claim.

To find out more about why bonds are required and how they work, see our ‘What is a surety bond’ guide!

If you know what type of surety bond you need, scroll through the table below, select your bond and get started with your application process!

If you are not sure what type of bond you need then have a look at the section below that explains the different types of bonds in Missouri, their cost and how to get yours.

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".

Contractor License (No P&P Language) Bond City of Joplin General Contractor License Bond Apply Now
Contractor License (No P&P Language) Bond City of Neosho City of Neosho Electrical Contractor Bond Apply Now
Contractor License Performance & Payment (Local) Bond City of Dexter Contractor License Bond (City of Dexter, MO) Apply Now
Contractor License Performance & Payment (State) Bond Missouri Highways and Transportation Commission Performance Bond (Construction) Apply Now
Insurance 3rd Party Administrator Bond State of Missouri Third Party Administrator Apply Now
Mortgage Broker (1st & 2nd Mortgages) Bond Commissioner of Finance Residential Mortgage Brokers (In Lieu of Audit) Apply Now
Mortgage Broker (1st & 2nd Mortgages) Bond Commissoner of Finance Residential Mortgage Loan Broker Bond Apply Now
Mortgage Lender/Banker (1st & 2nd Mort.) Bond Commissioner of Finance Mortgage Lender Apply Now
Small Loan Companies Bond Truman State Office Bldg. Title Loan Lenders Apply Now
Small Loan Companies Bond Commissioner of Finance Consumer Credit Lenders Bond in Lieu of Audit Apply Now
Auto & Mobile Home Dealers (New & Used) Bond Motor Vehicle Bureau - Dealer Licensing Section Motor Vehicle Dealer Apply Now
Auto & Mobile Home Dealers (Used Only, No New) Bond Motor Vehicle Bureau - Dealer Licensing Section Motor Vehicle Dealer Apply Now
Auto & Mobile Home Dealers (Used Only, No New) Bond City of Springfield License Divisio Used Vehicle Dealer Bond (Springfield, MO) Apply Now
Sport Permits Bond Office of Athletics License Bond For Boxing, Martial Arts, Or Wrestlin Apply Now
Health Spas/Health Clubs Bond Office Consumer Protection Health Club Apply Now
Health Spas/Health Clubs Bond Office of Consumer Protection Health Club License Bond Apply Now
Professional Licenses (All Other) Bond Missouri Department of Finance Consumer Credit Lenders Apply Now
Professional Licenses (All Other) Bond Missouri Dept of Insurance Service Contract Provider Bond Apply Now
Professional Licenses (All Other) Bond City Of Jennings Sign Installation Bond (Jennings, MO) Apply Now
Schools (All) Bond MO Coordinating Board for Higher Education Proprietary School Apply Now
Alcohol (Retailers) Bond Director of Revenue Corporate Bond (Intoxicating Liquor, Wine & 5% Bee Apply Now
Fuel Tax (All Others, Sellers & Users) Bond Carter Energy Carter Energy Apply Now
Miscellaneous Taxes Bond Missouri Department of Revenue Transient Employer Bond Apply Now
Sales, Use & Consumer Tax Bond Missouri Dept of Revenue & Taxation Division Sales & Use Tax Bond Apply Now
Utility Deposit Bond Empire Electric The Empire District Company Apply Now
Utility Deposit Bond White River Valley Electric Cooperative Utility Guarantee Apply Now
Utility Deposit Bond City of Columbia Finance Dept City of Columbia, Utility Customers Bond Apply Now
Utility Deposit Bond KCP&L Electrical Service Bond Apply Now
Indemnity (Miscellaneous - Not Listed) Bond Kansas City Southern Railway Company Kansas City Southern Railway Company Hauling Bond Apply Now
Wages & Fringe Benefits Bond Painter's District Council #2, Saint Louis Painters' District Council #2 Apply Now
Wages & Fringe Benefits Bond Insulators & Allied Workers Local No. Employer's Wage, Expense, Dues Check Off, and Vaca Apply Now
Wages & Fringe Benefits Bond CEMENT MASONS LOCAL 527 & CEMENT MASONS LOCAL 527 Pension, Welfare and Vacation Funds Bond Apply Now
Wages & Fringe Benefits Bond Glaziers Local 513 Guaranteed Payment into Miscellaneous Benefit Fund Apply Now
Wages & Fringe Benefits Bond Construction Laborers' Benefit Office Construction Laborers' Benefit Office Wage and Wel Apply Now
Wages & Fringe Benefits Bond Sheet Metal Workers Local 36 Employer Contributions to Employee Benefit Plans Apply Now
Wages & Fringe Benefits Bond IUOE Local 513 IUOE Local 513 Wage Contribution Payment Bond Apply Now
Wages & Fringe Benefits Bond Labors Local #110 Wage and Welfare Funds Bond (Labors Local #110) Apply Now
Fringe Benefits Only Bond Operating Engineers Local 101 Operating Engineers Local 101 Employer Benefits Bo Apply Now
Fringe Benefits Only Bond Sheet Metal Workers' Local 36 Employer Contributions To Employee Benefit Plans Apply Now
Lottery Bond Missouri Lottery Commission Lottery/Lotto Apply Now
Money Transmitter Bond Director of Finance Check Issuer Apply Now
Appraisal Management State of Missouri Appraisal Management Company Bond Apply Now

Types of Missouri Bonds

There are three main types of surety bonds that are typically required. These are:

  • License and permit bonds - required for licensing purposes
  • Contract bonds - required for contracting purposes
  • Court bonds - required for various court purposes

License & Permit Bonds

It is customary that businesses who want to obtain a license or permit must submit a surety bond along with their application. The purpose of these bonds is to guarantee that each business will comply with their responsibilities and obligations as defined in state law. For example, before they can open a dealership, car dealers in Missouri need to get an auto dealer bond. Many other businesses in the state also need to get licensed.

Whether you need to get licensed or not is determined by the Missouri state agency such as the state Department of Revenue. Make sure to check with your licensing agency to find out about the bonding requirements you may need to comply with.

Contract Bonds

Contractors in Missouri will often be required to obtain contract bonds. These bonds will be requested by project owners, whether they are private owners or the state government. They serve to guarantee that contractors will perform in accordance with the bid they have submitted and adhere to the conditions of their contract.

Court Bonds

Missouri courts may sometimes require appellants or fiduciaries to post court bonds. If such a bond is needed, a court will order that it is obtained before an appeal is granted to an already made judgement or a fiduciary is appointed.

If you are not sure whether your surety bond falls under any of the above categories, feel free to call us at (866)-450-3412. Our agents will be able to provide you with advice and directions.

How Much Does it Cost to Get Bonded in Missouri?

How much a Missouri surety bond costs is determined by the type of bond and its full amount as well as by the applicant’s credit score and other financial statements.

What is the bond amount?

The amount of every surety bond represents how much coverage a surety company will extend to obligee if there is a legitimate claim to file against the bond. This amount is determined by state agencies that require the bond.

The actual cost to obtain a bond is not the same as the bond amount. The cost of your surety bond is a percentage of the full bond amount. What percentage or premium rate you have to pay depends on a few things.

How is the cost of my bond determined?

Applicants are usually put in two general groups when applying for a surety bond based on their financial capacities and strength. The main factor that surety bond companies take into consideration when determining the rate of an applicant’s surety bond is their personal credit score. Along with that, sureties also take into account:

  • Business financial statements
  • Personal financial statements
  • Applicants’ industry experience
  • Additional financial factors

Those applying for a Missouri surety bond who have a high credit score are offered so-called standard market rates which vary between 1%-4% of the total amount of their bond.

Those who have a lower credit score are also able to apply, though the rates that they are offered vary between 5%-15% of the total amount of the bond. This is so because applicants with less-than-perfect credit are riskier to get bonded.

To get an estimate of your bond cost, try the surety bond calculator below!

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If you would like to know more about surety bond rates before applying, have a look at our Surety Bond Cost page.

How to Get Bonded in Missouri

Ready to get bonded? See below for instructions, depending on the bond you need.

License bond application

If you require a license bond, complete and submit our online bond application form. We will process your application within a short amount of time and get in touch to provide you with a free quote on your bond, along with further information.

Start your surety bond application today! Why us?
  • The lowest possible rates
  • A 100% money-back guarantee
  • Access to specialty programs, not available to small agencies

Contract Bond Application

If you want to apply for a contract bond, download and complete the application form that’s right for you, based on your contract amount. Once you’ve completed the form, send it to us and we will be in touch with you as soon as we’ve processed and reviewed it!

If you have any unanswered questions, don’t hesitate to contact us at (866)-450-3412 anytime!

Further Reading


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.