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Surety Bonds Insurance

You make one call. We make the rest.

The license application says "bond required" and the clock is running. We place license, permit, and contract bonds fast, alongside the insurance program they usually travel with.

Get quoted fast

Tell us about your business.

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Know your coverage

What is Surety Bonds insurance?

A three-party guarantee: you, the party requiring the bond, and the surety standing behind your obligation. Licenses, permits, and contracts require them across dozens of industries, from auto dealers to contractors to notaries.

We know this

A bond is a promise with your name on it.

Unlike insurance, a bond claim gets paid and then collected back from you, which is why getting the right bond amount and the right obligee wording matters. We fill in both correctly the first time.

License & permit bonds

What the state or city requires before you can operate.

Contract bonds

Bid, performance, and payment bonds for jobs that require them.

Dealer bonds

The DMV requirement for auto sales, placed with the garage program.

Court & fiduciary bonds

For obligations a court or estate demands.

Why Harper

One application. Every market. The right program.

01

We take the time to know your business.

A specialist learns how the operation actually runs before anything gets quoted. Not a form, a person.

02

We have access to the markets.

Admitted, E&S, and specialty carriers. Options get you the right coverage, and the leverage to price it right.

03

The right coverage at the right price.

Real options from real markets, and a straight recommendation on which one fits.

04

Fast where it counts.

Same-day certificates, quick quotes, no waiting on hold.

Good to know

Frequently asked questions

How fast can I get a bond?

Most license and permit bonds issue same-day or next-day. Contract bonds take longer because the surety underwrites the job. Either way, tell us the deadline and we work to it.

Is a bond the same as insurance?

No. Insurance protects you; a bond protects whoever required it, and you repay claims. Most businesses need both, which is why we place them together.

What does it cost?

A percentage of the bond amount, driven by bond type and credit. Small license bonds often cost less than dinner.