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Colorado Surety Bonds

Colorado Surety BondsLocal Rules, Statewide Service

Colorado takes a decentralized approach to contractor bonding -- there is no statewide contractor license bond, but dozens of municipalities set their own requirements. Add in mandatory performance and payment bonds on public works under C.R.S. § 38-26-106, auto dealer bonds through the Department of Revenue, and court bonds for every district court, and Colorado businesses face a patchwork of bond obligations. We know the rules in every Colorado jurisdiction.

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Official Colorado Requirements

"Before any contract... for the making of any public works is awarded to any person, such person shall furnish to the public entity a good and sufficient bond or other acceptable surety."
Colorado General Assembly • C.R.S. § 38-26-106
64
Counties Served
$50K
Dealer Bond Amount
1 Day
Typical Approval
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Most-Requested Colorado Bonds

Accepted by every Colorado municipality and state agency

Colorado Contractor Bonds

Starting at $100

Colorado does not require a statewide contractor license bond, but many municipalities do. Performance and payment bonds are required on public projects per C.R.S. § 38-26-106.

  • Municipality-specific amounts
  • Public project P&P bonds
  • All classifications
  • Fast approval
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Colorado Notary Bonds

Varies

Colorado notaries are not required to carry a surety bond, though many choose to carry errors and omissions insurance. Check with the Secretary of State for current rules.

  • Not state-required
  • E&O insurance available
  • Optional protection
  • Instant if needed
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Colorado Court Bonds

Quote required

Probate bonds, appeal bonds, and fiduciary bonds for Colorado district courts. Bond amounts are set by statute or judge order.

  • All district courts
  • Probate & estate
  • Appeal bonds
  • Fiduciary bonds
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Colorado License & Permit Bonds

Varies by type

Auto dealer bonds ($50,000), mortgage company bonds, collection agency bonds, and local permit bonds required across Colorado municipalities.

  • Dealer bonds ($50K)
  • Mortgage company bonds
  • Collection agency
  • Local permit bonds
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How to Get Your Colorado Bond

1

Tell Us Your Municipality

Bond requirements in Colorado vary by city and county. Tell us where you work and what type of bond you need, and we will identify the exact requirements.

2

Get a Same-Day Quote

We compare rates from multiple A-rated sureties to find you the lowest premium. Most Colorado bonds are quoted and approved the same business day.

3

Receive Your Bond

Download your bond certificate immediately or have the original mailed. We format the bond for the specific municipality or state agency that requires it.

All Colorado Bond Categories

Construction Bonds

Court & Fiduciary

Business & Professional

Serving Every Colorado Municipality

Denver
Colorado Springs
Aurora
Fort Collins
Lakewood
Thornton
Arvada
Pueblo
Boulder
Grand Junction
Greeley
Loveland

Colorado Surety Bond Questions

Covering Colorado's municipal and state-level requirements

Does Colorado require a statewide contractor license bond?
No. Colorado does not have a single statewide contractor licensing board or statewide bond requirement. However, many cities and counties -- including Denver, Colorado Springs, Aurora, and Fort Collins -- require contractors to be licensed and bonded at the local level. Bond amounts vary by municipality: Denver requires a $2,000 bond for general contractors, while other cities may require more. Always check with the local building department where your project is located.
When are performance and payment bonds required in Colorado?
Under C.R.S. § 38-26-106, any contractor on a public works project for the state, a county, city, town, school district, or other political subdivision must furnish a performance bond and a payment bond if the contract exceeds a threshold amount. The payment bond protects subcontractors and suppliers who furnish labor or materials on the project. The performance bond guarantees the project will be completed per the contract terms.
What is Colorado's Bond Assistance Program?
The Colorado Department of Human Resources runs the Statewide Bond Assistance Program through the Statewide Equity Office. This program guarantees $50,000 to $150,000 on payment and performance bonds for state contracts, helping small and disadvantaged contractors who might not otherwise qualify for bonding on their own. The program is designed to increase participation of underrepresented businesses in state contracting.
How much does a Colorado auto dealer bond cost?
Colorado requires a $50,000 motor vehicle dealer bond filed with the Department of Revenue, Auto Industry Division. The cost depends on your credit and financial profile. Dealers with strong credit (700+) typically pay $500-$1,500 per year (1-3%). Dealers with challenged credit may pay $2,500-$5,000 per year (5-10%). The bond protects consumers from dealer fraud and title issues.
Do Colorado mortgage companies need a surety bond?
Yes. Mortgage loan originators in Colorado must carry specific insurance, and mortgage companies must meet bonding requirements through the Division of Real Estate. Bond amounts are determined by the volume of loans originated and the company's financial condition. These bonds are filed through the NMLS (Nationwide Multistate Licensing System).
Can I get a Colorado surety bond with poor credit?
Yes. Many Colorado bond types -- particularly small license bonds and permit bonds -- are available regardless of credit history. For larger bonds like performance bonds or high-amount dealer bonds, rates will be higher for applicants with credit challenges, but approval is still possible. We work with sureties that specialize in applicants who have been turned down elsewhere.

Official Colorado Resources

Government sources for Colorado bond requirements

Colorado Bond Assistance Program FAQ

State program guaranteeing $50K-$150K on P&P bonds for qualifying contractors

Colorado DOR -- Motor Vehicle Dealer Bond Form (PDF)

Official $50,000 dealer bond form from the Auto Industry Division

Written by BuySuretyBonds.com
Surety bond specialists operating nationwide with direct integrations to Treasury-certified surety carriers. Our platform enables instant approval for license and notary bonds, with 24-48 hour underwriting for commercial bonds. All content is researched from official state and federal sources (.gov) and reviewed by bond industry experts.

Other Colorado Bonds

Additional surety bonds available in Colorado

Colorado Contractor License Bond

Contractor licensing

Colorado Auto Dealer Bond

DMV dealer licensing

Nearby States

Surety bonds in neighboring states

Arizona

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