Surety Bonds in North Dakota
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North Dakota Surety Bond FAQ
A surety bond is a three-party agreement that guarantees obligations will be fulfilled. The three parties are the principal (you - the person or business required to get the bond), the obligee (the government agency or entity requiring it), and the surety (the company issuing the bond). In North Dakota, surety bonds are commonly required for business licenses, permits, and regulatory compliance. If the principal fails to meet their obligations, a claim can be filed against the bond.
Most surety bonds cost between 1% and 10% of the total bond amount. Your exact rate depends on the bond type, the required bond amount, your personal credit score, and your professional experience. Many standard, low-risk bonds have fixed premiums and can be quoted instantly. Higher-risk or larger bonds may require underwriting review.
Most standard bonds are issued the same day - many within minutes. Bonds that require underwriting review may take 1-3 business days depending on the complexity of the application.
Many standard bonds are available regardless of credit. For bonds that involve underwriting, a credit score of 650 or higher typically qualifies for the best rates. Applicants with lower credit can still obtain most bonds - the rate may be higher.
Claims are filed with the surety company that issued the bond. The surety investigates the claim to determine its validity. If the claim is valid, the surety pays the obligee up to the bond amount, and the principal is responsible for repaying the surety. Contact us if you need guidance on the claims process.
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Insurance Services by Shield is a marketing name for a California and Texas licensed insurance agency, CA License #6018195, TX License #3446536. We are not an insurance carrier and do not underwrite policies. Coverage is subject to carrier underwriting approval and policy terms. Availability varies by state.
