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888.727.9287
Talk to a licensed agent
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Protect your obligations and your business
Commercial Bonds provide financial guarantees that businesses will fulfill contractual, legal, or financial responsibilities, helping build trust and manage risks.
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Standard bonds
Surety Bonds
Contractor License Bonds
Bid / Performance / Payment / Maintenance Bonds
Completion / Subdivision / Site Improvement Bonds
Permit / Supply / Utility / Public Works Bonds
Court / Probate / Appeal / Judicial Bonds
Fiduciary / Indemnity / Lost Instrument Bonds
Notary Bonds
Fidelity Bonds
Employee Dishonesty Bonds
Commercial Crime Bonds
ERISA Bonds
Business Service Bonds
Financial Institution / Blanket Fidelity Bonds
Employee Dishonesty / Janitorial Service Bonds
Other Common Commercial Bonds
Customs Bonds
Sales Tax / Excise Tax Bonds
Environmental / Reclamation Bonds
Indemnity / Lost Securities Bonds
Lease / Franchise Bonds
Tax, Wage & Welfare Bonds
License & Permit Bonds
California Contractor License Bonds
Auto Dealer / Used Car Dealer / Wholesale Dealer Bonds
DMV Bonds
Mortgage Broker / Mortgage Loan Originator
Insurance Broker Bonds
Process Server / Private Investigator Bonds
Cannabis Business Bonds
Alarm Company / Security Guard Company Bonds
Annual premiums start from $100. Higher limits are available depending on risk profile.
How pricing works
Premiums vary by bond type, business strength, obligation size, and underwriting factors, not a flat rate.
Bond Type
Different bonds carry different obligations, risks, underwriting requirements, and pricing structures.
Bond Amount
Higher penal sums generally increase premiums because the surety assumes greater potential exposure.
Obligation Size
Larger contracts, projects, or financial responsibilities typically require higher bond limits.
Business Experience
Established experience can demonstrate reliability and support more favorable underwriting decisions.
Credit History
Personal and business credit histories help insurers assess payment reliability and financial risk.
Claims History
Previous bond claims can indicate elevated risk and increase premiums or underwriting scrutiny.
Who needs Commercial Bonds?
Contractors needing licenses, permits, performance guarantees, or payment assurances.
Construction companies bidding on public or private projects.
Businesses required to guarantee compliance with laws or regulations.
Auto dealers needing dealership licenses or regulatory approval.
Freight brokers required to secure federal operating authority.
Customs brokers guaranteeing payment of duties, taxes, and fees.
Mortgage brokers required to meet licensing or consumer-protection requirements
Collection agencies needing licensing and financial responsibility protection.
Notaries needing bonds required by state or local regulations.
Court-appointed guardians, executors, trustees, or administrators managing other people’s assets.
Insurance agents required to obtain licensing or fiduciary bonds.
Businesses handling customer funds, deposits, or entrusted property.
Businesses required to guarantee tax payments or regulatory obligations.
Employers required to guarantee employee-related obligations under specific regulations.
Compare quotes from multiple carriers.
How it works
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Complete the Form
Answer a few quick questions about your needs - takes less than 2 minutes
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Receive Multiple Quotes
Instantly compare free, no obligation offers from trusted providers.
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Obtain Your Coverage
Choose the plan that fits and get protected the same day.
                Coverage starts immediately
Western United Commercial Insurance Services  CA DOI License # 0D69147
1908 South El Camino Real, San Clemente, CA 92672