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Your Comprehensive Guide to Connecticut Surety Bonds: Get Bonded Fast with Surety1.com
Doing business in Connecticut, whether you’re a seasoned contractor, an aspiring auto dealer, or a legal professional, often comes with a crucial requirement: a surety bond. These aren’t just pieces of paper; they’re vital financial guarantees that ensure your compliance with state regulations and protect the Connecticut public.
At Surety1.com, we specialize in making the process of obtaining Connecticut surety bonds straightforward and efficient. With over two decades of experience and an A+ BBB rating, we are your trusted partner for all your bonding needs in the Constitution State.
What is a Connecticut Surety Bond?
A surety bond is a three-party agreement:
- The Principal: You or your business, who needs the bond.
- The Obligee: The entity requiring the bond (often a Connecticut state agency, municipality, or court).
- The Surety: The bond company (like Surety1.com’s partners) that financially guarantees the principal’s obligations.
In Connecticut, surety bonds serve as a promise that you will adhere to specific laws, contracts, or ethical standards. If you fail to meet these obligations, the bond provides financial protection to the obligee or the public against potential losses. Unlike insurance, which protects you, a surety bond protects the consumer or the government. If a valid claim is paid by the surety, you are legally obligated to reimburse the surety.
See our “What is a Surety Bond” Video.
Who Needs a Surety Bond in Connecticut?
Many professions and activities in Connecticut require a surety bond to operate legally or secure a contract. You might need a CT surety bond if you are:
- A Licensed Professional: Many industries require a bond to get or renew a state license.
- A Contractor: Working on public or large private construction projects.
- Involved in Legal Proceedings: Serving as a fiduciary or appealing a court decision.
- Operating Certain Businesses: Such as car dealerships, collection agencies, or mortgage companies.
If your business does not have a statutory bond requirement but you still want to “Be Bonded“, Surety1 offers a Business Service Bond at an affordable price.
Common Types of Connecticut Surety Bonds
Connecticut has a diverse range of bonding requirements. Here are some of the most common types of surety bonds in Connecticut:
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Connecticut License & Permit Bonds
These are often required by state or local agencies to ensure professionals comply with licensing laws and consumer protection regulations. Key examples include:
Connecticut Contractor License Bonds: Required by the CT Department of Consumer Protection for home improvement contractors ($15,000 bond) and often by various Connecticut cities and towns for specific trades (e.g., excavation, drain layers, sidewalk contractors).
Connecticut Auto Dealer Bonds: Required by the Department of Motor Vehicles for new and used car dealerships ($60,000 bond is common).
Connecticut Mortgage Broker & Lender Bonds: Required by the Commissioner of Banking, with amounts typically ranging from $50,000 to $500,000 or more, depending on origination volume.
Connecticut Collection Agency Bonds: Required by the Department of Banking ($50,000 bond for each office location).
Connecticut Lottery Bonds: For agents selling lottery tickets.
Connecticut Title Bonds (Bonded Titles): Required by the DMV for vehicle owners without sufficient proof of ownership.
Money Transmitter Bonds: For businesses engaged in money transmission services.
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Connecticut Contract Bonds
Essential for construction projects, these guarantee a contractor’s performance and payment obligations. Common types include:
Bid Bonds: Guarantees that a contractor will enter into the contract if their bid is accepted.
Performance Bonds: Guarantees that the contractor will complete the project according to the contract terms.
Payment Bonds: Guarantees that the contractor will pay subcontractors, laborers, and suppliers for work done on the project.
Maintenance Bonds: Guarantees work against defects for a specified period after completion.
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Connecticut Court Bonds
These bonds are required by courts to ensure compliance with court orders or to protect parties involved in legal proceedings. Examples include:
Probate Bonds (e.g., Executor, Administrator, Conservator Bonds): Guarantee that fiduciaries will faithfully perform their duties in managing estates or guardianship.
Appeal Bonds (Supersedeas Bonds): Allow a party to appeal a judgment without immediately having to pay the judgment amount.
Attachment Bonds / Garnishment Bonds: Required of plaintiffs seeking to seize a defendant’s assets before a judgment.
How to Get a Connecticut Surety Bond with Surety1.com
Obtaining your Connecticut surety bond is a simple, three-step process with Surety1.com:
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Complete Our Secure Online Application:
- Our streamlined application is designed for speed and ease.
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Receive a Free, No-Obligation Quote:
- One of our expert surety bond agents will review your application and typically provide a competitive quote within 1-2 business days. Many common bonds can be quoted instantly!
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Sign Paperwork & Pay Premium:
- Once approved, simply sign the necessary documents and pay your bond premium. We’ll then issue your bond promptly.
We work with over a dozen A-rated surety companies to ensure you get the best possible rates for your Connecticut surety bond. The cost (premium) is a small percentage of the total bond amount, typically ranging from 1% to 3%, depending on the bond type, amount, and the applicant’s credit score and financial strength.
Why Choose Surety1.com for Your Connecticut Surety Bond Needs?
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Experience You Can Trust: Since 2003
- Surety1.com has been a premier online provider of surety bonds nationwide, with an A+ rating from the Better Business Bureau.
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Bond-Only Focus:
- We specialize exclusively in surety bonds, meaning our agents are experts in the intricacies of bonding requirements across all industries, including Connecticut’s specific regulations.
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Competitive Rates:
- By representing numerous top-rated surety companies, we shop around to find you the most favorable terms and pricing.
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Fast & Easy Process:
- Our efficient online system and dedicated specialists ensure you get your bond quickly, often with same-day service for many types.
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Nationwide Coverage:
- While this post focuses on Connecticut, we can assist you with bonds in all 50 states.
Important Considerations for CT Bond Applicants
Underwriting: For many bonds, particularly larger contract bonds or those with higher financial risk, underwriters will review your credit history, financial statements, and business experience.
Credit: A strong credit score generally leads to a lower premium rate. However, Surety1.com has programs to help applicants with less-than-perfect credit.
Renewal: Most Connecticut surety bonds require annual renewal. We will notify you well in advance to ensure continuous coverage.
Don’t let surety bond requirements delay your business plans in Connecticut. Partner with the experts at Surety1.com.
Ready to get your Connecticut Surety Bond?
Apply Online for Your Free, No-Obligation Quote Today!
About Surety1.com:
Surety1.com is a service of AssuredPartners, one of the largest and fastest-growing insurance agencies in the nation. Representing over a dozen surety bond companies, Surety1.com has been the premier online provider of surety bonds nationwide since 2003.


Surety1 was founded in 2003 and helps thousands of clients find the best prices on their surety bonds. We take pride in our work so that we can give you great service. Learn more about Surety1.