COMMERCIAL PRO Construction Bonds
← Contractors Platform (973) 307-7007 Get Bonded Now
Construction surety bonding

Win the bid.
Keep the contract.

Commercial Pro places bid bonds, performance bonds, payment bonds, and license bonds for contractors of all sizes — from small residential GCs to large commercial operations. Same-day approval on most bonds.

Get Bonded Today Call (973) 307-7007
Same-day approval
All contractor trades
Federal & state projects
All 50 states
Small & large bonds
Bid Bond
Guarantee your bid is serious — required before project award
Required to bid
Performance Bond
Guarantees project completion to contract specifications
Required at award
Payment Bond
Protects subcontractors and suppliers from non-payment
Federal projects — required by law
License & Permit Bond
Required by state/local licensing authorities to operate legally
Fast issuance
Maintenance Bond
Guarantees workmanship for a defined period after completion
Post-completion
📋 All bond types
⚡ Same-day approval
🏛️ Federal & state projects
🔑 All 50 states
👷 All contractor trades
Bond types we place

Every bond your project requires.

Whether you're submitting a bid on a public school or finishing a private commercial build, we have the surety relationships to get you bonded fast — with competitive rates across all major surety companies.

Most Requested
01
📋
Bid Bond
Required before submitting a bid on public or private projects. Guarantees that if you win the bid, you will enter into the contract at the price quoted. Typically 5–10% of the bid amount.
✓ Issued same day · ✓ No premium cost · ✓ Required for all public projects
Required to bid
Miller Act
02
🏗️
Performance Bond
Guarantees that you will complete the project according to the contract terms and specifications. Required on most public projects over $150,000 and many private commercial projects. Typically 100% of contract value.
✓ All project sizes · ✓ Public & private · ✓ Fast issuance upon award
Required at contract award
Federal Law
03
💰
Payment Bond
Guarantees that subcontractors, laborers, and material suppliers will be paid. Required by the Miller Act on all federal projects over $150,000. Most states have Little Miller Acts requiring it on state projects too.
✓ Federal & state projects · ✓ Issued with performance bond · ✓ Subcontractor protection
Federal projects — mandatory
04
📜
License & Permit Bond
Required by state and local licensing authorities to obtain or renew your contractor's license. Guarantees you will comply with all licensing laws and regulations. Common amounts range from $5,000 to $75,000.
✓ All states · ✓ Same-day issuance · ✓ Online application · ✓ Low premiums
Licensing requirement
05
🔧
Maintenance & Warranty Bond
Guarantees the quality of your workmanship for a defined period after project completion — typically 1 to 2 years. Protects the project owner against defects that appear after final payment.
✓ 1–5 year terms · ✓ Required by many owners · ✓ Bundled with performance bonds
Post-completion guarantee
06
🔄
Subdivision & Site Improvement
Required by local governments to guarantee that public infrastructure improvements — roads, sidewalks, utilities — will be completed to municipal standards before a development is approved.
✓ Residential & commercial development · ✓ Municipality requirements · ✓ All jurisdictions
Development projects
Same
Day approval
$500K+
Bond capacity
All 50
States covered
1–3%
Typical premium
How it works

Bonded in hours,
not weeks.

Most contractors get bonded within 24 hours. Small bonds — license bonds, small bid bonds — are often issued the same day you apply.

01
Submit your application
Fill out our bond application below — business info, project details, bond type, and bond amount. Takes about 5 minutes.
5 minutes
02
Credit & financial review
We run a soft credit check and review your financials. For bonds under $500K with good credit, approval is often instant. Larger bonds may require financial statements.
Same day for most bonds
03
Surety approval & pricing
We shop your application across our surety markets — Travelers, Liberty Mutual, Zurich, Markel, and others — to get you the best rate. Typical premiums are 1–3% of the bond amount annually.
Hours to 1 business day
04
Bond issued — ready to submit
We send you the executed bond document, digitally or by overnight mail if required. You submit it with your bid or to the project owner and you're good to go.
Bond in hand same or next day
How a surety bond works
Surety Company
Guarantor — backs the bond
Issues bond to
Principal
The contractor — that's you
Obligee
Project owner / government
If contractor defaults, surety pays obligee
Key difference from insurance
With insurance, the insurer pays claims and absorbs the loss. With a surety bond, if the surety pays a claim, you (the contractor) must reimburse the surety. Bonds are a credit instrument, not an insurance transfer.
What affects your bond rate
Personal credit score Most important factor
Years in business More = better rate
Financial statements Required over $500K
Bond claim history Claims = higher rate
Work in progress (WIP) Reviewed for large bonds
Pricing guide

What bonds cost.

Surety bond premiums are a percentage of the bond amount. Most contractors with good credit pay 1–3%. Here's a quick reference — we'll give you an exact quote based on your specific situation.

Bond Type Typical Bond Amount Premium Rate Est. Annual Cost Approval Speed
License & Permit Bond $5,000 – $75,000 1 – 2% $100 – $1,500 Same day
Bid Bond 5–10% of bid amount No premium $0 (credit only) Same day
Performance Bond (small) Under $500K 1 – 2% $5,000 – $10,000 Same day
Performance Bond (mid) $500K – $2M 1.5 – 2.5% $7,500 – $50,000 1 – 3 days
Performance Bond (large) $2M – $10M+ 1 – 2% $20,000 – $200,000 3 – 7 days
Payment Bond 100% of contract value Same as perf. bond Bundle w/ perf. bond Same as perf. bond
Maintenance / Warranty 10–20% of contract value 0.5 – 1% Varies by term Same day
Subdivision / Site Improvement Set by municipality 1 – 3% Varies 1 – 5 days

Premium rates depend on credit score, years in business, financial strength, and bond amount. Rates shown are estimates for contractors with good credit. We'll give you exact pricing based on your application.

Industries we bond

Every trade.
Every project size.

From solo electricians to large general contractors — if your trade requires a bond, we place it. We work with all contractor types across all 50 states.

🏗️
General Contractors
New construction, renovations, commercial builds. All project sizes from $50K to $50M+.
Bonds needed
BidPerformancePaymentLicense
⚡
Electrical Contractors
Commercial and industrial electrical. License bonds required in most states. Project bonds for public work.
Bonds needed
LicenseBidPerformance
🔧
Plumbing & HVAC
License bonds for all plumbing and HVAC trades. Project bonds for commercial mechanical work.
Bonds needed
LicensePermitPerformance
🏠
Roofing Contractors
Roofing license bonds vary significantly by state. Many states require $10,000–$50,000 bonds.
Bonds needed
LicensePermitWarranty
🚧
Road & Site Work
Public infrastructure projects require performance and payment bonds on virtually every contract.
Bonds needed
BidPerformancePaymentMaintenance
🏘️
Residential Developers
Subdivision bonds, site improvement bonds, and lot bonds required before development approval.
Bonds needed
SubdivisionSite ImprovementGrading
🖌️
Painting & Specialty Trades
License bonds for painting, drywall, flooring, and other specialty contractors. Low premiums, fast approval.
Bonds needed
LicensePermit
🏛️
Federal & Government Projects
Miller Act bonds required on all federal projects over $150K. We handle federal bonding for any trade.
Bonds needed
BidPerformancePayment
Common questions

Bond FAQs.

Insurance protects you from third-party claims and pays on your behalf — the insurer absorbs the loss. A surety bond is a three-party guarantee: if you fail to perform or pay, the surety pays the project owner — but then comes back to you for reimbursement. Bonds are a credit instrument that guarantees your performance, not a risk transfer tool.
Yes — but it costs more. Contractors with credit scores below 650 will pay higher premiums (typically 3–5% instead of 1–2%) and may face more scrutiny. Some surety markets specialize in hard-to-place contractors. The best approach is to apply and let us find the right market for your specific situation rather than assuming you can't get bonded.
Bonding capacity depends on your financial strength, years in business, and track record. Small contractors with solid credit and a few years of history can typically get $500K–$2M in single project bond capacity. Established contractors with strong financials can access $10M, $25M, or more. We'll review your situation and give you an honest assessment of your capacity.
For small bonds (license bonds and project bonds under $250K), we typically just need a credit check and basic business information. For larger project bonds ($250K–$1M), we may need 2 years of business tax returns. For bonds over $1M, most sureties require CPA-prepared financial statements (compiled, reviewed, or audited depending on bond size).
License bonds and small bid bonds are often issued the same day — sometimes within hours of application. Small project bonds (under $500K) with good credit typically take same day to 24 hours. Larger bonds requiring financial review take 1–5 business days depending on surety complexity. We always work to meet your deadline, so tell us your bid date when you apply.
The surety investigates the claim. If valid, they pay the obligee (project owner) and then seek reimbursement from you. Bond claims are serious — they can affect your ability to get bonded in the future and may result in the surety canceling your bond program. We work with you proactively to avoid claims, and if one is filed, we help you respond properly and defend your position.
On federal projects over $150,000, yes — the Miller Act requires both. Most state Little Miller Acts have similar requirements for state-funded projects. On private projects, the owner decides — many require performance bonds but not payment bonds. We'll review your contract and tell you exactly what's required.
Yes — and this is one of our key advantages. Many contractors have separate relationships for their GL insurance, their commercial auto, their workers comp, and their bonds — all at different agencies. Commercial Pro handles all of it. We can bundle your bonding program with your contractor insurance for a complete picture of your risk and one point of contact for everything.
Get started

Get bonded.
Win the work.

Fill out the form and we'll come back with bond pricing and approval status — usually the same day. Or call us directly and we'll walk you through the whole process.

📞
Call or text
(973) 307-7007
✉️
⚡
Response time
Same business day. Usually within 2 hours.
🏗️
Also need contractor insurance?
View our contractor insurance →
📋 Bond Application
Same-day response
By submitting you authorize a soft credit check for bond qualification purposes. No impact to credit score.  |  Privacy Policy
✓
Application received
We'll review your bond application and reach out with pricing and next steps — usually within 2 hours during business hours. You can also call us directly.
(973) 307-7007