Surety & Bonds in Las Vegas & Nevada

Contractor license bonds, bid and performance bonds, notary bonds and more. We place surety bonds with A-rated sureties so you can get licensed, win the job, and stay compliant. Family Insurance LLC writes surety & bonds across Nevada, Utah and Minnesota, comparing 10+ A-rated carriers. Call (702) 764-9951 for a quote.

Coverage	Surety & Bonds
Category	Commercial Insurance
States available	Nevada, Utah, Minnesota
Who it's for	Licensed contractors and tradespeople in Nevada; Businesses bidding on public or commercial projects; Auto dealers, freight brokers, and collection agencies
Carriers shopped	10+ A-rated carriers
Phone	(702) 764-9951

Overview

A surety bond is not insurance for you — it is a three-party guarantee. The surety promises the party requiring the bond (the obligee) that you (the principal) will meet a legal or contractual obligation. If you don't, the surety pays the claim and you reimburse the surety. That's the key difference between a bond and an insurance policy.

In Nevada, bonds show up everywhere: the Nevada State Contractors Board requires a contractor's license bond sized to your license limit, the Secretary of State and DMV require bonds for certain business types, and nearly every public construction project in Clark County requires bid, performance, and payment bonds.

Family Insurance LLC works with A-rated surety markets to place bonds for contractors, small businesses, and individuals across Nevada, Utah, and Minnesota. Many small commercial bonds are approved same day with a simple credit-based application; larger contract bonds involve a short underwriting review of your financials and work history.

Who needs this coverage

• Licensed contractors and tradespeople in Nevada
• Businesses bidding on public or commercial projects
• Auto dealers, freight brokers, and collection agencies
• Notaries, executors, guardians, and court-appointed fiduciaries

What's included

• Access to A-rated surety markets
• Same-day approval on many small commercial bonds
• Contract bond programs for growing contractors
• Help sizing your bond to Nevada license requirements

Coverage details

• Contractor License Bonds: Required by the Nevada State Contractors Board to obtain or renew a license. The bond amount is set by the board based on your monetary license limit.
• Bid Bonds: Guarantees that if you win a project bid, you'll enter the contract at the price quoted and furnish the required performance and payment bonds.
• Performance Bonds: Guarantees the project owner that the work will be completed according to the contract terms, specifications, and schedule.
• Payment Bonds: Guarantees that subcontractors, laborers, and material suppliers on the job get paid — standard on public works projects.
• Commercial & License Permit Bonds: Bonds required by state or local agencies for auto dealers, freight brokers, collection agencies, mortgage brokers, and other regulated businesses.
• Court, Probate & Fidelity Bonds: Notary bonds, executor and guardianship bonds, appeal bonds, and employee dishonesty (fidelity) bonds that protect against theft by staff.

Common endorsements

• Increased bond limits as your license limit grows
• Multi-year bond terms to reduce renewal paperwork
• Aggregate contract bond program lines

Frequently asked questions

Is a surety bond the same as insurance?

No. Insurance protects you against your own losses. A surety bond protects the party requiring it — if the surety pays a claim on your bond, you are obligated to reimburse the surety in full.

How much does a surety bond cost in Nevada?

You pay a premium, not the full bond amount. Small commercial and license bonds commonly run 1%–5% of the bond amount per year, depending on the bond type, your credit, and your experience. We quote the exact figure before you commit.

What bond does the Nevada State Contractors Board require?

The NSCB sets your bond amount based on your license monetary limit — it generally ranges from $1,000 up to $500,000 or more for large limits. We'll confirm the required amount with your license classification before binding.

Can I get bonded with bad credit?

Often yes. Many small commercial bonds are written through credit-challenged programs at a higher rate. Larger contract bonds weigh working capital and completed-project history alongside credit.

How fast can I get a bond?

Many license and small commercial bonds are approved and issued the same business day. Contract bonds (bid, performance, payment) typically require a short underwriting review with financial statements.

Do you write bonds outside Nevada?

Yes — we're licensed in Nevada, Utah, and Minnesota and can place bonds in each state through our surety markets.

Family Insurance LLC · 7318 West Post Rd Ste 202B, Las Vegas, NV 89118 · (702) 764-9951 · info@familyinsurancellc.com