Instant Approval Bonds

5 bond types are available for instant approval: Notary Public Bonds (all required states), Contractor License Bonds up to $25K (except California), Public Official Bonds up to $10K, Defective Title Bonds (limited circumstances), and Small Tax & Fee Bonds under $10K. These bonds require no credit check and are available 24/7.

Instant approval bonds have low financial risk to the surety company due to standardized coverage terms, small bond amounts, and basic eligibility requirements. The premium shown is the final price with no rate adjustments based on credit. Bonds like notary bonds and small contractor license bonds fall into this category.

Several bond types always require underwriting including Motor Vehicle Dealer Bonds, Freight Broker Bonds (BMC-84), DMEPOS Bonds, Performance Bonds, Bid Bonds, Payment Bonds, Probate Bonds, Judicial Proceeding Bonds, all California Contractor Bonds, and Tax/Fee Bonds over $10,000. These require full credit review due to higher risk exposure.

Instant approval bonds are available 24/7 with immediate approval upon application completion. You can download your bond certificate instantly and file it with obligees electronically. The entire process from application to certificate download typically takes just minutes.

California contractor bonds always require underwriting regardless of bond amount. This is due to California's stricter licensing requirements, higher bond amounts ($15,000-$25,000), and increased regulatory scrutiny. All other states allow instant approval for contractor license bonds up to $25,000.