Surety bonds for Arizona businesses, issued online
Need a license, permit, contractor or freight broker bond? Use the type index below, gather the required form and amount, and apply through our existing Propeller portal. Approval, premium, document requirements and issuance are subject to underwriting.
A surety bond isn't insurance for you. It's a guarantee to whoever requires it that you'll do what you're supposed to. They trip up a lot of business owners. Review the obligation and form before applying; our surety partner can identify any additional information needed.
From application to bond in four steps
Pick your bond
Open the portal, choose the bond you need, and upload any details it asks for.
Review available terms
Submit the application for surety review; approval and terms depend on underwriting.
Pay online
Review the approved quote, payment options and any remaining document requirements.
Bond in your inbox
After approval and any required payment or documents, check issuance and filing instructions.
The slow parts, automated away
Online application
Apply online; some requests may need supporting documents or additional surety review.
Entirely online
You run the whole thing yourself, start to finish, whenever it's convenient.
Surety experts on hand
For anything that needs a human, Propeller's surety team works alongside us to get it placed.
Top carrier access
The platform reaches the leading surety markets, so the bond is priced and placed properly.
The bonds Arizona businesses ask for most
Contractor license bonds
Required by the Arizona Registrar of Contractors to hold and keep your license.
Get bonded online →License & permit bonds
What cities, counties, and state agencies require to do business or pull permits.
Get bonded online →Performance & payment bonds
Guarantee a project gets finished and that your subs and suppliers get paid.
Get bonded online →Bid bonds
Back your bid so a project owner knows you'll stand behind it if you win the job.
Auto dealer bonds
The MVD bond Arizona requires to run a licensed motor vehicle dealership.
Get bonded online →Freight broker bonds
BMC-84 surety bonds for applicable FMCSA freight-broker or forwarder financial security. FMCSA also permits a qualifying BMC-85 trust alternative.
Get bonded online →Mortgage broker & loan originator bonds
Mortgage-related bond requirements depend on the DIFI license, entity and applicable coverage arrangement. Confirm the current requirements before selecting a bond.
Get bonded online →Court & fidelity bonds
Probate and court bonds, plus fidelity bonds that protect against employee dishonesty.
Get bonded online →Business service bonds
Business service bonds may address qualifying employee-dishonesty losses, subject to the bond terms. Ask about the amount, exclusions and underwriting.
Get bonded online →Notary & commercial bonds
The smaller statutory bonds a notary or a licensed business is asked to post.
Get bonded online →New to bonds? Read what a surety bond actually is and how it protects the party requiring it. Licensed producer or broker? See insurance producer & broker bonds.
A surety bond is not insurance
People mix these up constantly, and the difference matters at claim time. Here it is in plain terms.
| Surety bond | Insurance |
|---|---|
| Three parties: you (the principal), the party requiring it (the obligee), and the surety that backs it. | Two parties: you (the insured) and the insurer. |
| Protects the obligee if you don't perform or meet the obligation. | Protects you against your own loss or damage. |
| Reimbursement obligations may apply under the bond and indemnity agreement. | Covered losses are handled under the policy terms, limits and applicable deductibles. |
| Guarantees you'll meet an obligation, a law, or a contract. | Transfers the risk of a financial loss to the insurer. |
| Underwritten like credit, based on your finances and track record. | Priced by pooling risk across many policyholders. |
Check current requirements with FMCSA, DIFI mortgage lending and the ROC bond schedule. Reviewed by Lee Benson, licensed Arizona broker. Updated October 26, 2026.
Surety bond questions
What is a surety bond?
A surety bond involves the principal, the obligee requiring the bond, and the surety. The bond's terms define the obligation and any claim rights. It is not liability insurance for the principal; reimbursement obligations may apply. Send the obligee's exact form and amount for review.
How much does a surety bond cost?
You pay a percentage of the bond amount, not the full amount. The rate depends on the bond type and, for larger bonds, your credit and financials. Many small license and commercial bonds are an inexpensive flat rate, and you'll see the price before you commit.
How fast can I get bonded?
Timing depends on the bond, application and surety review. Some requests can be handled online; others need financial information or additional documents. Confirm approval, issuance and filing before relying on a deadline. Starting an application is not a guarantee of a bond.
Do Arizona contractors need a bond?
Yes. The Arizona Registrar of Contractors requires a license bond to hold a contractor license, and the amount depends on your license class and volume. On top of that, project owners and general contractors often require performance and payment bonds for the work itself.
What if my bond is large or my credit is complicated?
Start the online application anyway, or just call us. We work with Propeller's surety team to place the bonds that need a closer look, including bigger contract bonds and tougher credit situations.
Do freight brokers need a surety bond?
FMCSA requires applicable brokers and freight forwarders to maintain $75,000 in financial security through a BMC-84 surety bond or qualifying BMC-85 trust. The online surety option is BMC-84; a trust is a different arrangement. Confirm the required filings and current provider requirements with FMCSA. Bond approval, premium and terms depend on underwriting.
Do Arizona mortgage brokers need a bond?
Check the current DIFI requirements for the particular license and entity, including whether an individual is covered through an applicable employing entity. Do not assume mortgage broker, banker and loan-originator requirements or amounts are identical. DIFI publishes the application and bond forms; send the current requirement for review.
How much is an Arizona contractor license bond?
The ROC schedule sets the required amount by classification and work volume. The premium and underwriting terms are separate from that amount. Check the current schedule and any additional licensing requirements, then request the correct bond form. No particular premium or issuance time is guaranteed.
Online bonds are issued through BrokerPro's partner Propeller. Approval, pricing, and bond availability are subject to the surety's underwriting and the requirements of the party requiring the bond. Information on this page is general and is not a quote or a guarantee of approval.
Choosing a license or permit bond? Read our Arizona guide and identify what needs review.