Fiduciary Bonds Protect Your Loved Ones

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Wills, Estates and Guardianships Can Require Fiduciary Bonds

Life is full of unexpected twists and turns. One little phone call can turn your world upside-down in a flash. You could suddenly find yourself named executor of a loved one’s will, a conservator to an incapacitated adult, or the guardian of a child who inherited an estate. Executors, conservators and guardians are all fiduciaries.

A fiduciary is a person entrusted to the care or finances of another, or an estate, if the person is deceased.

A Probate Bond can be required to ensure that the fiduciary acts in accordance with the law and in the best interest of the individual or estate. Probate Bonds include Administrator Bonds, Executor Bonds and Conservator/Guardianship Bonds.

Administrator Bonds

If someone dies intestate — meaning they did not have a will – an administrator is appointed by a court and will often be required to post an Administrator Bond. The Administrator is responsible for settling the estate and distributing assets.

Executor Bonds

When a person dies and has a will, an executor is namedgu to oversee the will and make sure the deceased’s wishes are upheld. A judge can require an Executor Bond for various reasons. For instance, some courts require bonds for executors who live in a different state other than the deceased. Or it is possible that the deceased required a bond in the will.

Conservator / Guardianship Bonds

When the owner of an estate is living but unable to handle their own financial matters, a conservator is appointed and a Conservator Bond may be necessary. Three types of Conservator Bonds are common:

Conservator of an Adult: The fiduciary controls and manages an incapacitated adult’s financial estate.

Conservator of a Minor or Guardianship: The fiduciary controls and manages the minor’s estate until the child reaches the age of majority (18 years old in most states).

Department of Veteran Affairs: This Federal government program is intended to protect the benefits of disabled veterans who are unable to manage their own financial affairs.

PLEASE NOTE: All of the bonds mentioned above cannot be cancelled, and premium is due until the bond is discharged by court order. Also, due to the complex nature of these bonds, most sureties require an attorney to be involved throughout the process. Lastly, Fiduciary/Probate laws are not universal and vary from state to state.


Have questions? can help. Give us a call at 1‑844‑432‑6637 and our surety bond specialists can walk you through the bonding process.

What’s the Deal with Auto Dealer Bonds?

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Why do you need an Auto Dealer Bond?

In most states, if you want to renew your license or become a newly licensed auto dealer, you are legally required to file an Auto Dealer Surety BondAlso called a Motor Vehicle Dealer Bond, your state’s Department of Motor Vehicles (DMV) is generally the “obligee” or the party requiring the bond.  An Auto Dealer Surety Bond means that a surety specialist (such as reviews your dealership’s financial and character qualifications. After the review, they may certify your dealership for bonding.

Why would you want an Auto Dealer Bond?

This type of surety bond offers you more than just compliance with government rules.  A Dealer Bond can be a competitive advantage. It shows that your dealership is financially viable and committed to ethical business practices. Think of your Auto Dealer Bond as a guarantee that you offer your customers – an assurance to them that you have taken steps to protect them against fraud. If a transaction does involve fraud or other actions that harm a consumer, the bonding surety company will seek to positively resolve the situation.  This is another beneficial reason for customers to work with you. In turn, this may help you attract new and repeat customers – a WIN-WIN for everyone!

How do you secure your Auto Dealer Surety Bond? Will the process be confusing or daunting?

Absolutely not. is here to help you each step of the way, assisting to secure your bond as quickly and easily as possible.

You start by submitting your Auto Dealer Bond application. During this process, we will ask you to provide financial information and submit to a credit check. As a surety company, we must do this to ensure you are responsible and trustworthy, able to pay your debts on time, and are a sound dealership qualified for bonding.

But what if your credit score isn’t golden – will we deny your surety bond?

Not necessarily. It may make securing your bond more difficult, but has special programs to help applicants with low credit scores. We’ll be happy to assist you in this way.
has been underwriting surety bonds throughout the U.S. for more than 35 years – and we write more Auto Dealer bonds than any other type of bond. When you work with us, you will have confidence in our team of highly experienced surety professionals with in-house underwriting authority. This allows you to receive low rates, quick approvals, and fast bond delivery; in most cases, we send your bond within 24 hours after application submission. If you have any questions, please call our surety professionals today at 1‑844‑432‑6637 or email – Your Online Bond Provider. Great Rates. Solid Advice. Quick Solutions.

Why Picking the Right H-2A Bond Provider is Important

Migrant farm workers pick vegetables in a field. writes surety bonds for the H-2A Program.

We’re Here to Help Farm Labor Contractors

 Harvest seasons approach quickly. Are you prepared?

You have up-to-date information and have met the documentation requirements. But did you secure a bond? Besides workers compensation, transportation, housing and meal requirements, the US Administrator Wage and Hour Division requires a surety bond in order for you to be a licensed H-2A Labor Contractor.  This is also known as the H-2A Program bond or the H-2A Migrant Farm Contractor bond. This license and permit bond guarantees that you, the contractor, will follow all laws and regulations in place to protect the workers from harmful situations and exploitation.

Depending on the number of harvest locations, you may need several bonds, and possibly a new bond for each harvest season. You will want to pick a surety bond partner who is experienced in the extensive H-2A program requirements. At, we are a surety bond provider who can partner with you to help fulfill your bonding needs quickly and simply for any state in the US. is here to assist you with the H-2A Labor Contractor requirements. We provide an easy and quick application process to meet your bond needs.

The bond professionals at have many labor contractor partners with H-2A surety bonds across the country. We truly would like to add you to that distinguished list and help take a load off your shoulders. Let us walk you through the steps and keep you informed of federal legal changes that may affect your future bond needs.

Click here for H-2A Labor Contractor program details. A handy checklist is included to help you prepare for your upcoming harvest season.

How do you get your H-2A Labor Contractor Bond?

We offer three convenient application options:

1) Apply online today – in just minutes!

2) Download a paper application.

3) Call us at 1‑844‑432‑6637 to complete the application over the phone, Monday – Friday, 8am – 5pm CST.

NOTE: We will also need your 790 form to complete the process. You can scan and email the forms to or fax them to 404-351-3237 . would like to be your trusted H-2A Bond provider not only today, but for many harvest seasons to come. – Your Online Bond Provider.

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Freight Trucking on the Rise

Two trucks pass on a highway. writes surety bonds for the trucking industry.

Despite a historically slow economic recovery from the latest recession, the trucking industry is expected to have solid growth in 2015 and the years to follow. Even with tighter trucking restrictions, higher equipment costs, and a continued truck driver shortage, freight growth is expected to average about 4% for the remainder of the decade.

As in many industries, with increased growth comes increased regulation. Since October 2013, freight brokers and forwarders have experienced an increase in their required Surety Bond amounts from $10,000 to $75,000, along with a corresponding increase in premium. These bonds are regulated by the Federal Motor Carrier Safety Administration (FMCSA). Brokers that do not comply with the bond requirement may have their broker authority revoked.

Why are Surety Bonds required? A bond is merely a guaranty that the freight broker will demonstrate financial responsibility and pay legitimate freight bills as agreed upon in the contract. This guaranty is backed by the surety company’s financial strength. If the bonded broker defaults on payment, a claim may be filed. If the broker is found at fault, the surety company will look to the broker for payment of any outstanding bills.  Because the broker will ultimately be responsible for paying all claims, the underwriting on a Freight Broker Bond is based upon the broker’s credit history, reputation and financial strength.

Rising revenues in trucking and increased freight shipments across the nation point to a particularly strong future for freight trucking in 2015, despite an anticipated driver shortage. Make sure your surety bond needs are properly identified and in legal compliance each year by working with a solid, knowledgeable surety company that you can trust. has been writing Freight Broker, DoD and Oversize/Overweight Freight Bonds for more than 35 years throughout the United States.  Our team of experienced surety agents can help you navigate Freight Bond requirements. We have an in-house underwriting authority which means we are able to offer competitive, low rates, quick approvals, and immediate bond delivery. In most cases, we can approve your application today and deliver your bond tomorrow.  If you have any questions about Freight or other bonds, please call our surety experts today at 1‑844‑432‑6637.


How Do You Like Your Alcohol?

Various types of liquor are on a bar. writes all surety bonds for the alcohol industry.

Here’s A Little Taste of Alcohol Bonds to Wet Your Whistle

You may like champagne from France, wine from Napa, a special cocktail from your favorite restaurant, or a micro brewed beer from your local pub. Whatever your alcohol choice is, more than likely it came to you through various restrictions of statues, laws or ordinances from governmental entities such as the federal government, a state, a county or a municipality.

Most states and the federal government require bonds for alcohol if it has been manufactured for sale, shipped across country, warehoused or sold in a store or retail establishment, or served in a restaurant. Alcohol bonds can also be purposed to collect taxes, and can be a financial guarantee to comply with laws that are in place.

Businesses that make, sell, store, transport and sometimes serve alcohol must obtain bonds that are filed with various “obligee’s” or “owners.”  Examples include the State of California, the US Department of Tobacco and Alcohol, and the City of Athens, Alabama.  Each “obligee” has their own bond form, and the requirements vary.  Also, if you are starting a new business such as a distillery, brewery, winery or liquor package store that is regulated by the Alcohol and Tobacco Tax and Trade Bureau (TTB), you can review an interactive tutorial for their requirements.

Understanding the bond process can be challenging; our bond specialists are here to help.  has been underwriting alcohol retail, liquor manufacturer, state and federal bonds for more than 35 years throughout the US, thus we are well versed in the requirements and processes. We have a team of experienced surety agents and in-house underwriting authority. This allows you to receive competitive low rates, quick approvals and immediate bond delivery. If you have any questions please call our surety professionals today at 1‑844‑432‑6637 or email – Your Online Bond Provider.

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Celebrating Contractors on Father’s Day

A construction worker installs a pool. writes all surety bonds for the construction industry, including free bid bonds.

A Legacy Begins

Looking back and remembering my father, I recall the many hours and hard work he put in as a contractor in order to put food on our table and a roof over our heads. He took great pride in his workmanship, and passed on his values and skills to me. He taught me to drive a nail, build a deck and wire an outlet. He also taught me to do every job with integrity, and to have a sense of pride and accomplishment in all that I do — something I strive for every day to continue his legacy.

Licensed and Bonded  –  The Foundation

For centuries a man did his work with pride and integrity. Through the years, changes occurred in society that required laws to protect not only the contractor, but also the consumer, the state and others that play a role in the contractor industry.  Many states adopted standardized written tests and developed a process for obtaining a contractor’s license. Surety bonds became a requirement as part of that licensing process.

Surety bonds insure that a contractor fulfills his obligations. These obligations could include compliance with the laws of a state or municipality, or, in some states, the protection of a third party (such as a homeowner), or for the timely and proper payment of labor and materials. These laws changed what used to be unregulated industry into a regulated industry.

Thank Those That Taught You

Being a contractor is a demanding, competitive job. It requires hard work, dedication to quality workmanship, and commitment to providing the best service possible. A strong work ethic and complying with state and city laws (that ensure you perform the job that you were hired to do), are also necessary to assure clients of your trustworthiness.

As Father’s Day approaches (June 21st), remember through the hustle and bustle of work, family, and day-to-day life, to thank someone special who taught you the skills to be the man or woman you are today.  Take pride in passing on to others their legacy that was passed on to you.

On this Father’s Day, appreciates our clients who are contractors and most importantly, dedicated Dads. We wish you a Father’s Day to Remember! – Your Online Bond Provider.

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Is it Time to Renew Your Bond?

A clock that says "time to renew"
Is it time to renew your surety bond?

Check out upcoming surety bond expiration dates

At, part of our mission includes providing unparalleled customer service. One way in which we accomplish this is to make the renewal process fast and easy. Our surety bond specialists work hard to stay up-to-date on upcoming bond expiration dates. We keep track of when your bond is up for renewal and notify you 90, 60 and 30 days prior to when your surety bond expires. In addition to sending out renewal notices, we keep our customers informed through: blog posts on our website, our Facebook page, letters or flyers, and even friendly reminder calls.

If you have one of these bonds, it is time to renew:


  • June 30: Colorado Auto Dealer Bonds
  • June 30: Georgia Tobacco Bonds
  • June 30: Georgia Warehouse License Bond
  • June 30: Missouri Intoxicating Liquor Tax Bond– Generally $1K
  • June 30: Michigan Fundraising Bonds – $10K
  • June 30: New Jersey Fundraising Bonds – $20K
  • June 30: Nevada Liquor Distributor Bonds
  • June 30: North Carolina Collection Agency Bonds– $10K
  • June 30: North Carolina Motor Club Bonds – $50K
  • June 30: North Carolina Premium Finance Company Bonds – Type A – $5K or $1K per $5K in premium finance to a max of $25K
  • June 30: North Carolina Premium Finance Company Bonds – Type B – $25K
  • June 30: Ohio Auctioneer Bonds – $25K, every 2 years
  • June 30: South Carolina Residential Specialty Builder Contractor Bonds – $5K, every odd year, i.e., 2015, 2017, 2019
  • June 30: Tennessee Vehicle Auction Bonds – $50K, next odd year, i.e., 2015, 2017, 2019
  • June 30: Tennessee Modular Building Bonds– Manufacturer – $100K
  • June 30: Tennessee Modular Building Bonds– Dealer – $50K
  • June 30: Tennessee Modular Building Bonds– Installer – $25K
  • June 30: Tennessee Industrial Loan and Thrift (TILT) Bonds – $50K
  • June 30: West Virginia Motor Vehicle Bonds– $25K


  • July 1: Georgia Limited Group Health Counselor Bonds– $5K, every 2 years
  • July 1: Kansas Combat Sports Promoter Bonds – $10K
  • July 1: Missouri Combat Sports Promoter Bonds – $5K
  • July 31: Florida Citrus Fruit Dealer Bonds
  • July 31: Maine Debt Collector Bonds (applicants with names beginning with the letters N – Z is July 31 of every odd-numbered year, i.e., 2015, 2017)
  • July 31: New York Second-hand Dealer Bonds (odd years, i.e., 2015, 2017)
    • Gross collections for the year averaging more than $40K per month require a $50K bond
    • Gross collections $30K – $40K per month require a $45K bond
    • Gross collections $20K – $30K per month require a $35K bond
    • Gross collections $10K – $20K per month require a $25K bond
    • Gross collections less than $10K per month require a $15K bond
    • Repossession agent – license renewals require a$15K bond
    • Letter writing company / no direct collections – license renewals require a $5K bond



August 31: Texas Super Heavy Oversize Freight Permit Bonds – $10K, every year


Renewing your surety bond on time keeps your business in compliance with the laws of your state and it only takes a few minutes over the phone.  We write all bonds in all 50 states. So, if you don’t see your bond on the list above, simply give us a call at 1 (844) 4eBonds (1-844-432-6637) between the hours of 8:00 a.m. and 5:00 p.m. CST Monday through Friday. Or, send us an email at, and one of our bond professionals will contact you right away. – Your Online Bond Provider.

Great Rates. Solid Advice. Quick Solutions.

Need to replace your vehicle’s title? Start here.

A woman searches through her purse for a lost document.
SuretyGroup.comwrites surety bonds to help replace lost documents.

Are you are trying to sell your vehicle or use it as collateral on a loan, but your original title is missing in action? How do you get a replacement title? Has someone told you to get a title bond?

It can be confusing to know where to start. The good news is, you’ve found the right place.

You can’t register or legally sell your vehicle or mobile home without a clean title. And if you can’t put your hands on that title, you’ll need what’s called a “duplicate” or “re-issued” title. Since each state has different requirements, start with your state’s Department of Motor Vehicles (DMV).

Be prepared that you may be asked for items such as:

  • Proof of identity
  • Proof of insurance
  • Any lienholder information
  • An odometer disclosure
  • VIN number verification

The DMV will then determine the value of the vehicle or the surety bond amount needed for the vehicle to be re-titled. Why would you need a surety bond? Many states require a surety bond to prove ownership in order to register the vehicle. And here’s where we come in. is quite familiar with all state requirements, forms and varying bond amounts. You would simply need to go to our website and apply for a Lost Title Bond, or give us a call at 1‑844‑432‑6637. Your bond should be issued within 24 hours. Any questions? We’re here to help. – Your Online Bond Provider.

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What is a Surety Bond?

A stamp that says "approved" works hard to get your bond approved.

Definition: sur•e•ty bond

A surety bond is a promise by a surety or guarantor to pay one party (the obligee) a certain amount if a second party (the principal) fails to meet some obligation, such as fulfilling the terms of a contract. The surety bond protects the obligee against losses resulting from the principal’s failure to meet the obligation. A surety bond is similar to an insurance policy except it involves three parties instead of two.

  1. An obligee requires the bond. Obligees are typically government agencies.
  2. The principal can be an individual or business which purchases the bond to guarantee future work performance, such as fulfilling a contract.
  3. The surety or guarantor vouches for the principal and backs the bond. However, should the principal fail to meet his obligations and the oblige files a claim, the surety company will expect the principal to reimburse them for any claims paid.

Common types of surety bonds

  • License and Permit Bonds are required before business owners can get their business licenses.
  • Contract Bonds are often required of Construction professionals before they can work on publicly funded projects.
  • Business Service Bonds are not generally required, but some business owners choose to buy them to protect clients against dishonest acts of employees while on the customers’ premises.
  • A Court Bond encompasses many more specific bond types used for various court proceedings. Judicial bonds include such bonds as an appeal bond, while probate or fiduciary bonds are required of individuals who are appointed by the court to care for others or manage others’ assets.


As an example of a license and permit bond, Dave (principal) is a new auto dealer and before he can become licensed to sell a car to a consumer, he is required by the state (obligee) to provide a surety bond (surety) to guarantee his dealership will comply with state regulations. If consumer, Joanne, wishes to purchase her car from Dave’s Car Dealership, the surety bond protects Joanne against losses if Dave, his dealership, or his employees commit fraud or other wrongful actions.

A Competitive Advantage

While surety bonds bring peace of mind to “the Joannes” of the marketplace, they also deliver great benefits to “the Daves.” Business Services bonds, for example, can be a competitive advantage. An example of this type of bond might be the owner of a pet sitting business posting a surety bond to protect his customers against any employee theft. Advertising that his business is bonded shows his potential customers that he is trustworthy and ready to do business.

 More Questions?

Check out our FAQ page!  Should you need or choose to buy a surety bond, has been underwriting surety bonds throughout the U.S. for more than 35 years. When you work with us, you enjoy the unique benefit of dealing with a team of highly experienced surety agents with in-house underwriting authority. This allows you to receive competitive, low rates, quick approvals, and immediate bond delivery. In most cases, your bond will be delivered within 24 hours after you apply for it. If you have any questions, please call our surety experts today at 1‑844‑432‑6637 or email – Your Online Bond Provider. Great Rates. Solid Advice. Quick Solutions.