Ohio Surety Bonds

Surety Bond Requirements in OH

In order to be properly licensed, many professionals, contract workers, and companies doing business in Ohio are required by state, county, or city regulatory authorities to maintain surety bond coverage. For example, general contractors, mortgage brokers, public adjusters, and title agents must have surety bonds in the Buckeye State.

Except for contractor license bonds, bond coverage amounts in Ohio are set by the state commerce department and state insurance department. Bonds for contractor licenses are set at the local level and differ widely in size depending on the city or county in which the work is done.

No matter where you work in Ohio, if you need a bond policy to comply with licensing regulations, we can help. NNA Surety Bonds has been providing affordable coverage to companies and individuals across the United States since 1957.

We offer the following surety bonds in the state of Ohio:

Contractor License Bond

There is no state-wide licensing for general contractors and home improvement contractors in Ohio. Instead, licensing is handled on the local level by cities, counties, and other organizations (such as the Turnpike Commission). Therefore, as a general contractor, you will face great variation in bonding costs, with coverage amounts generally ranging from $5,000 to $25,000. Your annual premium cost could be as low as $100 in some areas.

Mortgage Broker Surety Bond

Bond amount requirements for mortgage brokers in Ohio range between $50,000 and $150,000 based on your loan origination volume. The Ohio Department of Commerce determines this number when you apply for your mortgage broker’s license.

With solid credit, your annual premium should be in the 1% to 3% range. With excellent credit, your cost could be below 1%, or as low as $375 for a $50,000 bond.

Public Adjuster Bond

A $1,000 surety bond is required for individual public adjusters to be licensed by the Ohio Department of Insurance. Our Ohio public adjuster bonds are freely issued, which means no application is necessary, and no underwriting. You can obtain a public insurance adjuster bond fast, and for a low premium of $75 per year.

Title Agency Surety Bond

To work as a title agent in Ohio, you are required to post a $150,000 surety bond. Ohio title agent license bonds are subject to underwriting, so the bond premium you’ll pay depends on a review of your credit report. With excellent credit, your premium for a year could be as low as $1,500, or 1% of the full bond amount.

Ohio Surety Bond Costs
Bond Name Coverage Amount Cost
(Annual Premium)
Regulatory Authority
Contractor License Bond $5,000–$25,000 $100* Cities and counties
Mortgage Broker Bond $50,000 $375* Ohio Department of Commerce
Public Adjuster Bond $1,000 $75 Ohio Department of Insurance
Title Agent License Bond $150,000 $1,500* Ohio Department of Insurance

* Cost can vary depending on the bond amount required and your credit rating

Get Your Ohio Surety Bond


Our detailed knowledge of Ohio bonding requirements allows us to provide accurate quotes quickly. For guidance through the process of selecting the right surety bond for your business, talk to one of our experts today.

For faster service, call us at 855-215-2160
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