Commercial Surety Bonds - Georgia

Surety Bonds for Georgia Contractors and Businesses

License and permit bonds, contractor bonds, performance bonds, and fidelity bonds for Georgia small businesses. Placed through A-rated surety carriers with no volume commitments.

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What Surety Bonds Cover

License and Permit Bonds

Required by Georgia state licensing boards and local municipalities for contractors, auto dealers, health clubs, and many other licensed trades. Guarantees compliance with applicable laws and regulations. Common for GCs registering under OCGA 43-41.

Contract and Performance Bonds

Required on public works projects and many commercial construction contracts. Guarantees the contractor will complete the project per contract terms. Payment bonds protect subcontractors and material suppliers from non-payment.

Fidelity and Employee Dishonesty Bonds

Protects your business or your clients from losses caused by employee theft, embezzlement, or fraud. Required by many service contracts, financial institutions, and government agencies.

Notary and Public Official Bonds

Required for Georgia notaries, public officials, and certain elected positions. Guarantees faithful performance of official duties. Olive places these alongside license and permit bonds for Georgia clients with multiple bond needs.

What Surety Bonds Do Not Cover

Business Liability Claims

Surety bonds are not liability insurance. If a client claims faulty work, your general liability policy responds, not the bond. Bonds and GL work together but serve different purposes.

The Principal's Own Losses

A surety bond protects the obligee (the party requiring the bond), not the principal (you). If the bond is paid out, the surety recovers from the principal. Unlike insurance, you are expected to repay the surety.

Employee Injuries

Surety bonds do not cover on-the-job injuries. Georgia requires workers compensation for businesses with 3 or more employees. That is a separate policy.

Property Damage from Operations

Accidental property damage you cause while working is covered by your general liability policy, not the bond. Most Georgia contractors need both a bond and GL coverage.

OUR CARRIER PANEL

Carriers We Use for This Coverage

All carriers are A-rated by AM Best and appointed in the state. We compare them and recommend the right fit for your business.

Commercial Lines - Surety

Goldleaf Surety

Varies by underlying carrier. Programs use A-rated or better surety carriers.

Surety bond program for Georgia contractors and small businesses including license and permit bonds, contract bonds, and fidelity bonds available in all 50 states.

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Get Your Georgia Surety Bond Quoted

Tell us the bond type, bond amount required, and the obligee (the entity requiring the bond). We place surety bonds through Goldleaf Surety Services and Propeller Bonds via Big I Alliance Blue. Most license and permit bonds can be quoted and issued same day.

$100 to $500 per year for license and permit bonds. Contract bonds priced at 1-3% of project or contract value.