Tennessee Surety Bonds Overview

Bryant Surety Bonds represents a number of highly acclaimed A-rated and T-listed Tennessee surety bond companies. Through them we have access to many different markets for all types of Tennessee surety bonds. We are licensed to write bonds for clients with good, bad, or no credit in Tennessee.

You can obtain a bond from us regardless of your credit past, due to the companies we work with and because of our Bad Credit Surety Bond Program, which enables even applicants with bad credit to get bonded at exclusive rates.

If you want to apply for your Tennessee surety bond immediately, type in the name of the surety bond you need in the table below. You can then directly proceed with your application by clicking the ‘Apply’ button.

Want to find out more about Tennessee surety bonds prior to applying? Read on below, for extensive information about the various types of Tennessee surety bonds, how much it costs to get bonded, and how to get a surety bond in Tennessee.

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".

Agricultural (Non-Livestock) Bond Tennessee Department of Agriculture Pesticides Apply Now
Agricultural (Non-Livestock) Bond Tennessee Department of Agriculture Pest Control License Bond Apply Now
Contractor License Performance & Payment (Local) Bond NASHVILLE AND DAVIDSON COUNTY Metropolitan Government of Nashville and Davidson Apply Now
Contractor License Performance & Payment (Local) Bond Hendersonville Department of Building & Codes City of Hendersonville Permit Bond Apply Now
Contractor License Performance & Payment (State) Bond Board of Licensing Contractors, Dept of Commerce a Fire Protection Sprinkler Contractor Apply Now
Contractor License Performance & Payment (State) Bond Dept. of Commerce & Insurance, Contractor License Home Improvement Contractor Apply Now
Contractor License Performance & Payment (State) Bond Memphis & Shelby County Memphis and Shelby County Code Enforcement Bond Apply Now
Investment Advisor (Blue Sky) Bond State of Tennessee Securities Investment Advisor Bond Apply Now
Collection Agency Bond Tennessee Department of commerce and Insurance Collection Service License Bond Apply Now
Collection Agency Bond Tennessee Department of Commerce and Insurance Collection Agency Bond Apply Now
Collection Agency Bond Tennessee Department of Commerce Collection Service License Apply Now
Collection Agency Bond Director of Tennessee Division of Consumer Affairs Credit Services Organization Bond Apply Now
Professional Fund Raisers Bond Division of Charitable Solicitations and Gaming Professional Fund Raising Apply Now
Insurance Adjusters Bond TN Department of Commerce Public Adjusters Apply Now
Mortgage Broker (1st & 2nd Mortgages) Bond Tennessee Department of Financial Institutions Mortgage Broker, Lender or Servicer Apply Now
Mortgage Lender/Banker (1st & 2nd Mort.) Bond STATE OF TENNESSEE Dept OF FINANCIAL INST. Mortgage Lender Apply Now
Small Loan Companies Bond Department of Financial Institutions Title Pledge Lender Apply Now
Small Loan Companies Bond State of Tennessee Dept. of Financial Institutions Industrial Loan and Thrift Apply Now
Title Insurance Agents & Escrow Officers Bond Dept of Commerce and Insurance Title Insurance Producer's Apply Now
Title Insurance Agents & Escrow Officers Bond Tennessee Department of Commerce and Insurance Title Insurance Producer's Apply Now
Auto & Mobile Home Dealers (New & Used) Bond Motor Vehicle Commission Motor Vehicle Dealer Apply Now
Auto & Mobile Home Dealers (New & Used) Bond Motor Vehicle Commissioner Dealer of Manufactured Homes Apply Now
Auto & Mobile Home Dealers (Used Only, No New) Bond Motor Vehicle Commission Motor Vehicle Auction 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 Motor Vehicle Commission Motor Vehicle Auction Apply Now
Motor Vehicle (Non-Dealer, Not Listed) Bond Tennessee Motor Vehicle Commission Manufactured Home Stabilizing System Installer Bon Apply Now
Motor Vehicle (Non-Dealer, Not Listed) Bond STATE FIRE MARSHAL’S OFFICE Modular Building Units Installer Bond Apply Now
Motor Vehicle (Non-Dealer, Not Listed) Bond State Fire Marshal's Office - Codes Enforcement Modular Building Units Dealer Bond Apply Now
Sport Permits Bond Tennessee Athletic Commission Professional Boxing or Combat Matches Promoter Apply Now
Health Spas/Health Clubs Bond State of Tennessee Dept of Commerce & Insurance STATE OF TENNESSEE – HEALTH CLUB SURETY Apply Now
Employment Agencies Bond Department of Commerce & Insurance Staff Leasing Company License or Permit Bond Apply Now
Retail Stores & Service Shops State Board of Cosmetology School of Cosmetology Apply Now
Professional Licenses (All Other) Bond State of Tennessee, County of Shelby County Public Officals Apply Now
Professional Licenses (All Other) Bond Tennessee Wildlife Resources Agency Wildlife Recources Agency Apply Now
Professional Licenses (All Other) Bond Department of Agriculture Pest Control License Apply Now
Professional Licenses (All Other) Bond Division of Consumer Affairs Beauty Pageant Surety Bond Apply Now
Professional Licenses (All Other) Bond Maury County General Session & Circuit Court Probationary Services Provider Perfromance Bond Apply Now
Professional Licenses (All Other) Bond State of Tennessee Securities Division Professional Licenses (All Other) Bond Apply Now
Professional Licenses (All Other) Bond Business Services Division - Tre Hargett Litigation Financier Bond Apply Now
Schools (All) Bond Tennessee Board of Cosmetology Private School Bond (Cosmetology) Apply Now
Schools (All) Bond Tennessee Higher Education Commission Postsecondary Educationall Institutions Bond Apply Now
Schools (All) Bond Tennessee Higher Education Commission Postsecondary Educationall Institutions Bond Apply Now
Alcohol (Manufacturers, Warehouses, Wholesalers) Bond Department of Revenue Warehousmen, Dealers, Wholesalers, Manufacturers o Apply Now
Alcohol (Retailers) Bond State of Tennessee ABC Sale of Alcoholic Beverages For Consumption On Pre Apply Now
Alcohol (Retailers) Bond State Tennessee Sale of Alcoholic Beverages For Consumption On Pre Apply Now
Alcohol (All Others) Bond Department of Revenue State of Tennessee License For Consumption On Premises Apply Now
Alcohol (All Others) Bond Department of Revenue Alcohol (All Others) Bond Apply Now
Cigar/Cigarette & Tobacco Tax Bond Tennessee Department of Revenue TOBACCO TAX STAMP AFFIXING AGENT Apply Now
Fuel Tax (All Others, Sellers & Users) Bond TN Dept of Revenue Petroleum Products and Alternative Fuels Apply Now
Utility Deposit Bond Clarksville Department of Electricity Utility Deposit Bond Apply Now
Utility Deposit Bond Electric Board of Chattanooga Electric Service Indemnity Bond (Electric Board of Apply Now
Utility Deposit Bond Murfreesboro Electric Department Murfreesboro Electric Utility Deposit Bond Apply Now
Utility Deposit Bond Cookeville Electric Dept. City of Cookeville Electric Dept. Utility Bond Apply Now
Utility Deposit Bond Memphis Light, Gas & Water Division Memphis Light, Gas & Water Div Indemnity Bond for Apply Now
Utility Deposit Bond Nashville Electric Service Electric Service Furnished Bond (Davidson County, Apply Now
Utility Deposit Bond Metro Water Services Utility Bond (Metro Water Services) Apply Now
Lottery Bond Tennessee Education Lottery Corp. Lottery Retailer Apply Now
Telemarketing/Phone Solicitor Bond Tennessee Secretary of State Professional Solicitor Bond Apply Now
Appraisal Management TN Appraisal Commission Appraisal Management Company Bond Apply Now

Types of Surety Bonds in Tennessee

We are licensed to underwrite all types of Tennessee surety bond, without exception. These include Tennessee license and permit bonds, necessary for those businesses that need to get bonded when applying for their business license. Tennessee contract bonds are also available to our clients who are Tennessee contractors and who have been asked to get bonded. Finally, we also have access to markets for Tennessee court bonds, if any of our clients should require one of these.

Continue below for more information on each particular type of Tennessee surety bond.

Tennessee License & Permit Bonds

All states require certain businesses to get a license and permit bond when they apply for a business license. Which businesses in particular need to get licensed and bonded depends on state regulations. Some, such as mortgage brokers or freight brokers, need to get licensed and bonded in all states, and Tennessee makes no exception.

Tennessee license bonds are put in place by the state government, in order to protect the public and the government itself from businesses that break state regulations. This may include not acting transparently enough, or intentionally committing fraud and dishonesty.

In such cases, Tennessee license bonds are there to extend financial compensation to those affected by such actions (the bond’s obligees such as customers or the public) for the financial harm they have suffered.

Tennessee auto dealer bonds and Freight broker bonds are some of the most popular license bonds in the state that we receive applications for. But we also regularly underwrite many other types of Tennessee license bonds, such as mortgage broker bonds, contractor license bonds, collection agency bonds and others.

All these bonds have different bonding amounts, which are usually mandated by state legislation. Some bonds have the same amount in all states. To find out more about a bond’s amount and how that affects its cost, read on below about Tennessee surety bond cost.

Tennessee Contract Bonds

We also underwrite many Tennessee contract bonds for our clients. Contract bonds are those surety bonds which licensed Tennessee contractors will often be required to obtain, when they want to work on a construction job in the state.

Once contractors are licensed and bonded, they will be allowed to bid on and work on public and private construction jobs. Most public and state projects will require contractors to obtain Tennessee contract bonds that guarantee their faithful performance and execution of their responsibilities as per contract. Many if not all private construction jobs will require the same of contractors.

Tennessee Court Bonds

We also underwrite Tennessee court bonds for our clients in the state. These bonds are used in courts, whenever an appellant wants to take a case to an appellate court. In those cases, they will be required by the court to obtain a specific type of court bond - a supersedeas bond, also known as an appeal bond.

Alternatively, those who are being appointed as fiduciaries in Tennessee and are expected to guard over and take care of someone’s property may be asked to obtain a fiduciary bond by a Tennessee probate court.

Call us at (866) 450-3412 if you have any questions whatsoever about Tennessee surety bonds! Our surety bond experts are highly knowledgeable - from Tennessee bonding requirements to how you can get bonded in Tennessee - they know it all!

Surety Bond Cost in Tennessee

The cost of your Tennessee surety bond depends on the amount of the bond. The amount is its penal sum, the amount of maximum compensation that state regulations have specified as relevant for each particular bond. For example, in order to obtain a motor vehicle dealer license in Tennessee, applicants need to post a $50,000 Tennessee auto dealer bond.

This does not mean, however, that they need to pay $50,000 in order to obtain the bond. The cost of the bond, or the premium, that applicants pay is a percentage of the total amount of the bond. When sureties receive applications for bonds, they check a number of financial indicators in order to set a rate at which the applicant can obtain the bond. The most significant indicator is personal credit score. Those applicants with good credit scores receive better rates than those with a lower score.

Sureties also take into account other factors. For example, among others, they may consider your:

  • Personal financial statements

  • Business financial statements

  • Industry experience

The rates for good credit applicants are called standard market rates. Tennessee surety bond applicants with a good score can expect to receive a quote that ranges between 1%-4% of the total amount of the bond they are applying for.

But applicants whose credit score is low, or who don’t have a credit score altogether, can also get a Tennessee surety bond. While such applicants are deemed risky by sureties because of their financial status, by working with the right agency, these applicants can still get bonded.

Bryant Surety Bonds’ Bad Credit Surety Bond Program makes this possible. We have created this program in conjunction with our trusted surety partners. Through this program, bad credit applicants still have plenty of opportunity to obtain a bond.

In order to get bonded, these applicants also have to pay a slightly higher rate, 5%-15% of the total bond amount, due to the increased risk that they posit for the surety. We never compromise, neither with the quality of the bond’s backing, nor with doing everything we can to find the lowest and best rate for all our applicants.

To get an idea how much your Tennessee surety bond will cost, try our surety bond cost calculator in the right sidebar. Or, if you want to receive a precise quote, you can go straight ahead and submit your application. We will contact you shortly with your free Tennessee surety bond quote.

Our Surety Bond Cost page can provide you with plenty of additional and useful information about how surety bond cost is formed. Make sure to visit it!

How to Get Bonded in Tennessee

To get your Tennessee surety bond you simply need to fill in the right application, submit it, and then wait for your free bond quote and approval. Here’s how to apply depending on the bond you need:

Apply online here if you need a Tennessee license and permit bond. Approvals for license bonds are usually fast, so you may get your free quote within the same day. Just follow the instructions and submit your application.

There are two forms that you can fill in if you need a Tennessee contract surety bond. Use our Fast Track Program application form if your contract bond’s amount is less than $250,000. If your contract bond’s amount is more than $250,000, you will have to use our Full Bond Line Project application, since larger bonds require a more thorough assessment before being approved and underwritten.

You can download the correct online form for contract bonds here. Fill it in, attach all the needed documentation, and send it off to us. Approvals on contract bonds tend to take slightly longer because they are checked more carefully by sureties. We will contact you with your free quote as soon as possible.

Our experts are also available for you to talk to at (866)-450-3412. Call us anytime to inquire about surety bonds or receive help with your application. We look forward to helping you!

If you have any additional questions, consult our ‘what is a surety bond’ guide. There you will find answers to most of your questions concerning what surety bonds are, how bonding works, and what surety bond claims are.

Tennessee Surety Bond Companies

As part of our service to you, we insist on the quality of the surety bonds we underwrite. For many years we have committed ourselves to working only with the best possible Tennessee surety bond companies. Companies such as Liberty Mutual Insurance Company, Washington International Insurance Company, and International Fidelity Insurance Company are among our closest and most trusted partners.

All of them are A-rated and T-listed sureties, which makes them some of the most reliable and expert companies in the surety bond industry. By working with us you are being backed by them!


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.