Commercial Bonds

Public Official Bonds

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Most Public Official bonds are required by law and are generally conditioned to guarantee a public officer’s faithful performance of duty. The Public Official bond is for the protections of the taxpayers and the penalty or amount of the bond should be adequate to protect their interest.

There is no overall rule determining the amount of each Public Official bond. Some states require bonds in an amount of 100% of all public funds handled by officials, especially tax collectors. The term of a Public Official bond is usually coincides with the Official’s term of office and remains in force throughout the term, or until a successor is elected/appointed.

Examples of bonds we can provide include but are not limited to the following:

  • Contract Postal Unit Bonds
  • Court Clerks
  • Dog Catchers
  • Hunting & Fishing Bond
  • Individual Public Official
  • Judges Mayors
  • Notary Public Bonds
  • Officers of the Law
  • Public Official Name Schedule
  • Publie Official Position Schedule
  • Tax Collectors
  • Treasurers

License & Permit Bonds

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Most businesses require permission from a governmental body to start and continue in business. Many permits are granted only after the individual or corporation has posted a bond guaranteeing that the laws, ordinances or regulations relating to that business will be complied.

License & Permit bonds fulfill this need. The demand for License & Permit bonds is created by public interest requirements. They put teeth into the laws, ordinances, and regulations that have been adopted for the protection of the public.

Examples of bonds we can provide include but are not limited to the following:

  • Broker Dealer/Securities Dealer Bonds
  • Cigarette Tax Bonds
  • Contractors License Bonds - both general contractors and artisans
  • Gasoline Tax Bonds
  • Insurance Adjuster Bonds
  • Insurance Agent/Producer Bonds
  • Liquor License Bonds
  • Mortgage Broker Bonds
  • Motor Vehicle Dealer Bonds
  • Outdoor Advertising Bonds
  • Plumber, Electrician License Bonds
  • Private Detective License Bonds
  • Real Estate Broker Bonds
  • Sign License Bonds
  • Small Loan License Bonds
  • Street Obstruction Bonds

Court Bonds

Court bonds are required of parties to a lawsuit who seek remedies that the law allows only upon posting a bond. They protect a party in litigation from possible loss suffered as a result of the courts’ granting a privilege to the other party.

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In some proceedings, the opposing party may have the right to file a counter bond to negate the effect of the first request. Court bonds is civil proceedings, also known as litigant bonds, are required in a cause of action at law. The purpose of these bonds is to preserve the rights of litigants in the granting of the privilege or remedy.

Court Bonds – Description of Bonds Available on Quote & Issue Attachment Bond (Plaintiff’s)
Many times in disputes the plaintiff will attach disputed property or assets of the defendant to prevent them from disposing of them during litigation. The assets are usually held in custody of the court until the case is settled. This bond indemnifies the defendant against loss or damages determined by the court from the plaintiff attaching the property.

Cost Bond (Plaintiff’s)
The cost bond guarantees payment of court costs, such as fees to the clerk of courts, etc. For Plaintiff it could be required if they do not maintain an office or if they are a non-resident of the state.

Cost on Appeal (Plaintiff’s)
Same as the above cost bond; difference here is a bond can be required if the plaintiff wants to have his/her case reheard in the appelate court.

IndemnityTo Sherriff Bond
If a Sherriff is called upon to execute a write for the seizure of property, he/she may require a bond. The bond indemnifies the Sherriff against any claims resulting from damages to a party’s property in the event of an invalid seizure.

Injunction Bond/TRO Preliminary Injunction (Plaintiff’s)
An injunction, sometiems called a Temporary Restraining Order (TRO), is a judicial order issued by a court to the plaintiff whereby the defendant is required to do or refrain from doing a particular thing until the issue is decided in court. The bond indemnifies the defendant against damages and costs if the court rules in their favor.

Garnishment Bond (Plaintiff’s)
Similar to the Attachment Bond for Plaintiffs; difference being that the property of the defendant is in the hands of a third party – or money owed by a third party to the defendant may be seized under a writ of attachment. The third party is known as a garnishee or garnishee-defendant. In order to obtain the writ of garnisment, the plaintiff is required to give bond to the same effect as that required to secure the writ of attachment.

Replevin Bond (Plaintiff’s)
Replevin (also known as claim and recovery) is an action to recover possession of specific articles of personal property. The Replevin bond, which the plaintiff is required to furnish, is conditioned for the return of property, if return is ordered, and for the payment of all costs and damages adjudged to the defendant.

Business Service Bonds

You may already carry standard fidelity coverage. While that protects you from dishonest acts your employees may commit against you, it may leave your customers unprotected. Now you can easily add a business service bond from TIS Express Surety and protect your customers – and reputation!

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Reasons to add a Business Service Bond

  • It protects you from loss incurred by dishonest acts of your employees.
  • It discourages employee dishonesty because your employees know if trust is betrayed they will be facing an investigation by the bonding company.
  • Business Service bonds are a cost-effective addition for business insurance coverage or standalone bond coverage.
  • Most importantly, the customers will be glad to know the employees (part-time and full-time permanent service) performing work are bonded.

Business Service bonds were intended for businesses like these:

  • Janitorial Service
  • Window/ Gutter Cleaning
  • Pest Control Services
  • Painter
  • Maid Services/ Housekeeper
  • Interior Decorator
  • Home Photographer
  • Locksmiths
  • General Repair Services
  • Messenger Services
  • Pool Cleaning
  • Lawn Services
  • Health Care
  • Child Care Services (excluding minors)
  • Security Guard
  • Burglar Alarm Installers
  • Carpet Cleaning
  • Pet Sitters
  • Appliance Repair
  • Moving Companies
  • Food Catering
  • Plumbing Contractors
  • Temporary Employment Agencies

Contractors License Bonds

These bonds are usually required by a governmental entity and guarantee that the Principal will conduct business in accordance with the privilege granted by a particular license and he/she will comply with the governmental ordinances. Ultimately, these bonds protect the public from incompetency and hold the governmental entity harmless.

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  • Building
  • Electrical
  • Environmental
  • Plumbing
  • Mechanical
  • Masonry
  • Roofing
  • Excavation
  • Landscaping
  • Heavy Highway
  • Solar Panel Installation

Every fiduciary of a plan and anyone else (plan official) who handles or has authority to handle plan assets must be bonded. The bond provides protection to the plan against losses due to fraud or dishonesty on the part of the person handling the funds.

Inflation Guard feature eliminates the need for an increase of the bond amount during the bond term if the bond amount at the inception of the bond/rider is equal to or greater than the amount required by ERISA. We will automatically increase the bond amount to equal the amount required under ERISA or to equal $1,000,000, whichever is less. If the bond amount is out of compliance at inception, the inflation guard will be null and void for claims purposes.

Fiduciary Bonds

A fiduciary is a person, bank, or trust company appointed by order of a court to administer the estate or property of another who, for some reason, is unable to manage his or her own affairs. Fiduciaries in most states are generally required by law to provide a surety bond for faithful performance of their duties and compliance with the orders of the court having jurisdiction.

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Courts often require that a fiduciary posts a surety bond and will designate the amount of the bond required (usually required to secure the amount of the estate assets). You can now purchase your Probate Bond via the TIS Express Surety in minutes.

Fiduciary bonds are generally written on behalf of individuals or institutions to manage the assets of an estate. There are several different types of fiduciary bonds:

  • Administrator/Executor: Individual(s) appointed by the court to handle the estate of an individual who has died.
  • Guardian: There are two types of guardians (1) guardian of a minor (2) guardian of an incompetent. In both cases they are appointed by the court to administer the estate.
  • Trustee: Individual(s) appointed by the court to administer the assets of a trust.
  • Trustee of a Special Needs Trust: Individual appointed by the court to manage the assets of a trust which has been created to allow the ward the ability to retain his or her eligibility to both state and federal benefits.

Miscellaneous Bonds

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Miscellaneous Surety bonds are those that do not clearly fall within the scope of Public Official, Fiduciary, Court or License and Permit Bonds. Some of these bonds are required by law and must be conditioned as provided by statute, ordinance, or regulation. Others are required by law having conditions discretionary with approving authorities. Others may be bonds or undertakings between private parties and are used to facilitate business transactions with conditions prescribed by or acceptable to the obligee.

Included among the Miscellaneous Surety Bond classification are the following types of bonds which are requested to write with some frequency and which require special underwriting attention:

  • Airline Reporting Corporation Bonds for Travel Agencies (ARC)
  • Concessionaires Bonds
  • Franchise Bonds/ Pole Attachment
  • Game of Chance
  • Income Tax Bonds
  • Indemnity Bonds to Railroads
  • Lease Bonds
  • Lost Securities Bonds
  • Miscellaneous Indemnity Bonds
  • Premium Payment Bonds
  • Signature Guarantees to Transfer Agents
  • Union Wage and Welfare Bonds
  • Utility Bonds
  • Workers' Compensation Self Insurance Bonds
  • Custom Bonds


Chad Martin Vice President of Surety Email
James F. ‘Jim’ Oakes Surety Bond Client Executive Email
Lavonne Sherrod Senior Surety Bond Account Manager Email