Surety Bonds in Alabama & Mississippi

A surety bond is a three-party guarantee. You (the principal) buy the bond, a surety company backs it, and a third party (the obligee — a state agency, licensing board, court, city, or project owner) can claim against it if you fail to do what you promised. It is not insurance for you; it is a guarantee about you, and it is a condition of doing business for a long list of trades and licenses on the Gulf Coast.

The bonds we place most often

License & permit bonds

Required before a state or city will issue or renew many licenses. In Alabama: a $50,000 notary bond, a $50,000 auto dealer bond, a $20,000 HVAC contractor bond, and a $10,000 residential roofer bond are among the common ones. In Mississippi: a $5,000 notary bond (four-year term), a $25,000 new motor vehicle dealer bond, and a $15,000 Designated Agent bond. Our step-by-step guides cover the verified requirements state by state: how to get a surety bond in Alabama and how to get a surety bond in Mississippi.

Contract bonds

Bid bonds, performance bonds, and payment bonds guarantee a contractor's bid and completed work — standard on public projects and increasingly common on private ones.

Court & miscellaneous bonds

Probate and fiduciary bonds, public official bonds, and other court-ordered bonds are placed case by case — call us and we will tell you exactly what to file.

How getting a bond works

Most straightforward bonds are approved on an application alone — no financial statements — and can be applied for, paid, and issued online in minutes. Larger contract bonds involve a fuller underwriting review of experience, financials, and work history; starting early matters when a bid deadline is fixed. When you apply through our online portal, your bond is issued through a licensed surety and filed the way the obligee requires.

What does a surety bond cost?

You pay a premium that is a small percentage of the bond amount, set by the bond type, the amount, and — for larger bonds — your credit and financial picture. Small license bonds are typically inexpensive flat amounts for the full term. The online application quotes your exact premium before you pay, with no obligation.

United Risk Agency, Orange Beach, Alabama. Licensed in AL, FL & MS. Alabama agents, serving Orange Beach, Gulf Shores, Foley, Mobile and statewide across Alabama, plus the Mississippi Gulf Coast.