Told you need a bond? Let's get it handled.
Whether a court, licensing board, government agency, or project owner has told you to get bonded, BF Bond helps you pinpoint the right bond, complete the correct application, and move toward issuance—without the runaround. We’ve guided contractors, attorneys, executors, and business owners through surety bonds since 1949.
What You Get When You Work With BF Bond
More than an application form—practical guidance from a team that handles surety every day.
Specialized Bonding Knowledge
Surety is what we do. You get answers from people who read bond forms every day, not a general insurance desk.
Every Major Bond Category
Contract, court, probate, license, commercial, fidelity, and vehicle title bonds—handled in one place.
Help With Your Exact Requirement
Bring us the bond form, amount, and obligee you were given, and we match it precisely.
Guidance Through Underwriting
We explain premium, indemnity, and any collateral up front, so there are no surprises.
Find the Bond Category That Fits Your Situation
Not sure which surety bond you need? Start with the category that matches your situation. If you were handed a specific bond form, we’ll match it exactly.
Contract & Construction Bonds
For contractors bidding or working on public and private projects. Includes bid, performance, and payment bonds that assure the owner the job gets finished and that subcontractors and suppliers get paid.
Probate & Fiduciary Bonds
For executors, administrators, guardians, conservators, and trustees. Surrogate's and probate courts often require one before you can act on an estate or on someone else's behalf.
Court & Judicial Bonds
Required during litigation—appeal, injunction, or lien-release bonds—to protect the other party while a case moves through the courts.
License & Permit Bonds
Required by a state, city, or licensing authority before you can operate in a regulated profession or pull a permit.
Commercial Surety Bonds
A broad group of bonds required by law or agencies to guarantee a business meets its obligations and to protect the public.
Vehicle Title Bonds
For vehicle owners establishing ownership when a title is missing or defective, so you can register or sell the vehicle.
Fidelity & Crime Bonds
Protect a business or its clients against loss from employee dishonesty, theft, or fraud.
A Clear Path From Bond Request to Issuance
Every bond is a little different, but the path is the same. Here’s what to expect once you reach out.
Tell Us Which Bond You Need
Share the bond name, the required amount, and the court, agency, or obligee that asked for it. Not sure of the details? We’ll help you identify the right one.
Complete the Right Application
We point you to the correct application for your bond type, so nothing gets held up over the wrong form.
Provide Supporting Information
Depending on the bond, this may include business, financial, or credit details the surety needs for underwriting review.
Review Your Quote & Issuance Steps
Once you’re approved, we walk you through premium, any indemnity or collateral terms, and exactly how your bond is issued.
Requirements, pricing, and turnaround times vary by bond type and by the underwriting company.
Why Work With a Surety Bond Specialist
When the wording on a bond requirement is unfamiliar, the right guidance prevents rejected paperwork and wasted weeks. Here’s what a specialist brings to your bond.
- We help you identify the correct bond form and the right bond amount.
- We guide you through the application and underwriting requirements.
- We handle court, government, licensing, probate, and construction bond requests.
- We explain premium, indemnity, collateral, and renewals in plain language.
- We give personal attention when a request is unusual or complex.
What Is a Surety Bond?
A surety bond isn’t insurance for you—it’s a guarantee to someone else that you’ll meet an obligation. Three parties are involved.
The Principal
You—the person or business required to obtain the bond and meet the obligation.
The Obligee
The party requiring the bond—often a court, government agency, or project owner.
The Surety
The company that backs the bond and pays a valid claim if the obligation isn't met.
Unlike a traditional insurance policy, a surety bond protects the obligee, not you. If a valid claim is paid, you may be responsible for reimbursing the surety under the indemnity agreement you sign when you apply. We’ll explain exactly how this works for your bond before you commit.
Bonding Experience That Goes Back to 1949
BF Bond is the surety bond practice of Bernard Fleischer & Sons, Inc.—a New York agency that has helped clients meet bonding requirements for more than seventy years. Bond forms, obligee demands, and underwriting standards change over time, and we’ve stayed current through all of it. When a request is routine, we move quickly. When it’s unusual, we know where to take it.
- Serving clients since 1949
- Based in New York
- Every major surety bond category
Surety Bond Questions, Answered
Common questions about getting bonded. Have one that isn’t here? Call us and we’ll walk you through it.
How do I know which surety bond I need?
The organization requiring the bond—a court, government agency, or project owner—usually specifies the exact bond and amount. Send us that requirement or the form itself and we’ll confirm the right bond. If you’re not sure, we’ll help you figure it out.
How much does a surety bond cost?
For most bonds you pay a percentage of the bond amount, not the full amount. The rate depends on the bond type, the amount required, and, for some bonds, the applicant’s financial and credit profile. We’ll give you a quote specific to your situation.
Can I qualify for a bond with credit challenges?
Often, yes. Many bonds are available across a range of credit situations, though terms and pricing can vary, and some bond types weigh credit more heavily than others. Tell us your situation and we’ll let you know your options.
What information is required to apply?
It depends on the bond. Smaller bonds may need only basic details about you and the requirement. Larger or contract bonds may call for business, financial, or project information for underwriting. We’ll tell you exactly what’s needed for your bond.
What is an indemnity agreement?
It’s an agreement in which you—and sometimes your business—agree to reimburse the surety for a valid claim it pays on your bond. Most surety bonds involve one, and we’ll go over the terms with you before you sign.
Does a surety bond renew every year?
Many bonds are issued for a term and renew until the underlying obligation ends; others cover a single transaction or case. Whether yours renews—and any renewal premium—depends on the bond type and the obligee’s requirements.
How quickly can a bond be issued?
Some straightforward bonds can be issued quickly once the application is complete; others need underwriting review and take longer. Turnaround depends on the bond type, the amount, and how quickly we receive what’s needed.
What happens if a claim is made against my bond?
The surety investigates the claim. If it’s valid, the surety may pay the obligee, and you would typically reimburse the surety under your indemnity agreement. We can walk you through what to expect if this ever comes up.
Told You Need a Bond? Let’s Get It Handled.
Send us the requirement and we’ll take it from there—clear guidance, the right application, and a bond that meets the exact wording you were given.
Prefer to talk? Call 800.921.1008