Complete your Texas Surety & License Bonds file
Answer only the exact underwriting questions Texas carriers need to generate a real, bindable rate—plus upload your current dec page if handy.
Zero duplicate typing
Construction, Specialty & Bonds • Licensed Texas Agency
Texas Surety, License, Contractor, Auto Dealer & Fidelity Bonds
Need a bond filed with a Texas city building department, TxDMV, TDLR, Comptroller, or county court? Compare T-Listed surety underwriters for instant-issue license bonds and contract performance bonding.
✓ Instant-Issue License Bonds
✓ TxDMV $50k Auto Dealer
✓ Bid, Performance & Payment
30+ Texas Carriers Compared
Quote Texas Surety & License Bonds
Enter your 5-digit Texas ZIP code to launch our guided Texas Surety & License Bonds intake—zero duplicate typing.
Want to bundle another policy? Select multiple coverages in one intake →
Fast Credit-Based Approval
Most Texas license, permit, notary, title, and janitorial dishonesty bonds under $50,000 issue the same day without financial statements.
T-Listed Contract Sureties
U.S. Treasury Circular 570 sureties for Texas municipal, ISD, and commercial Bid, Performance & Payment bonds.
Multi-Year Discounts
Save 15%–25% on 2-year Texas Motor Vehicle Dealer ($50,000 GDN) and multi-year city contractor license bonds.
What Texas Surety & License Bonds covers — and Texas rules to watch
Plain-English underwriting guidance from licensed Texas producers so you never buy blind or miss a critical endorsement.
Core Protections
What’s Covered
- Texas License & Permit Bonds (City & State): City right-of-way, plumbing/roofing/sign/sidewalk contractor permit bonds, TDLR license bonds, TABC Conduct Surety bonds, and Texas Comptroller Sales Tax / Mixed Beverage bonds.
- TxDMV Independent Motor Vehicle Dealer Bond ($50,000): Mandatory 2-year $50,000 General Distinguishing Number (GDN) bond required by TxDMV to obtain or renew a Texas used-car, wholesale, motorcycle, or trailer dealer license.
- Construction Bid, Performance & Payment Bonds: Guarantees bid execution, project completion, and subcontractor/supplier payment under the Texas McGregor Act (Tex. Gov't Code Ch. 2253) and private commercial contracts.
- Texas Certificate of Title Bond (Form VTR-130-SOF): Instant Texas Bonded Title surety bonds (1.5x TxDMV appraised value) when buying a vehicle or trailer with a lost or defective title.
- Employee Dishonesty / Janitorial & ERISA Fidelity Bonds: Business Service Bonds protecting client homes/offices from employee theft, plus DOL-mandated 10% ERISA 401(k) plan fidelity bonds.
- Probate, Executor, Guardian & Court Bonds: Texas county probate court administrator/guardian bonds, mechanic's lien release bonds, injunction, and supersedeas appeal bonds.
Texas Underwriting Watch-Outs
Exclusions, Deductibles & Endorsements
- Surety Bonds Are Credit/Indemnity Instruments—Not Insurance!: A three-party surety bond protects the Obligee (the state, city, or project owner). Unlike insurance, if the surety pays a valid bond claim caused by the Principal, the Principal indemnifies the surety.
- Exact Obligee Legal Name & Bond Amount: Bring your city permit packet, TxDMV eLICENSING DBA/entity name, or VTR-130-SOF Rejection Letter so the bond legal entity matches 100% to the letter—TxDMV rejects mismatched DBAs!
- Contract Bonds Over $500k–$1M: Fast-track credit-only contract bond programs handle projects up to $500k–$1M!; larger commercial bond lines review CPA financial statements and WIP schedules.
How We Shop Your Rate
One 3-minute intake. 30+ Texas carriers competing.
Skip repeating your details to five captive websites. Complete one structured Texas underwriting file and compare real bindable options.
Licensed Texas agent shops the panel
A licensed producer compares admitted and specialty underwriters for your exact Texas county, deductible preferences, and multi-policy discounts.
Soft inquiry • Never hurts credit
Bind & receive official proof
Review side-by-side options by email, text, or phone—with same-day ID cards, lender binders, SR-22s, or commercial COIs once bound.
All 254 Texas counties
Comparing 30+ TDI-admitted Texas carriers across all 254 counties
+ 25 More Markets — Start Quote
Bundle & companion Texas coverages
Close dangerous policy exclusions and unlock multi-policy discounts by combining companion coverages in a single intake.
Smart Texas Pairing
Contractor Bond + General Liability
Pulling a city contractor permit? Pair your municipal License/Permit Bond with $1M/$2M General Liability.
Smart Texas Pairing
Auto Dealer Bond + Garage/Lot
Launching a Texas GDN dealership? Quote your $50,000 TxDMV bond alongside dealer liability.
Smart Texas Pairing
Bonded Title + Auto Insurance
Getting a Texas VTR-130-SOF Bonded Title? Issue your title bond and Texas auto ID card together.
Texas Surety & License Bonds — Frequently asked questions
Answers to the most common Texas statutory, lender, and underwriting questions.
You do NOT pay $50,000! Bond premiums are a small percentage of the bond amount based on personal credit—well-qualified Texas dealers typically pay only a few hundred dollars for the entire 2-year $50,000 TxDMV term, and challenged-credit programs are also available.
First obtain your Notice of Determination for a Bonded Title (Form VTR-130-SOF) from your regional TxDMV Service Center showing the required bond amount (1.5x vehicle value). Enter that amount in our Bond intake for same-day issuance—you have 30 days from bond issuance to file at your County Tax Assessor-Collector.
A License/Permit Bond guarantees a government agency that you'll follow state or municipal codes, whereas a Business Services / Janitorial Fidelity Bond protects your customers if an employee steals property while working on their premises.
For projects up to $500,000–$1,000,000 under fast-track SBA/credit surety programs, approvals frequently return within 24 hours without audited financials.
No—our surety markets run soft credit pulls that never lower your personal FICO score.