Surety bonds
Surety bonds in New Jersey
For contractors, developers and businesses that need a bond to win work, get approved or stay a judgment.
We place surety bonds in New Jersey for contract work, site improvements and court appeals: performance and payment bonds, larger bonding capacity, subdivision and site improvement bonds, appeal bonds, and bonds for principals declined elsewhere.
Kevin prepares a complete submission (financials, work history and the bond form) and takes it to sureties that fit the bond and the account.
Bond types
Each page explains how the bond works in NJ, what sureties look for, and what to have ready.
Hard-to-place surety
Declined for a bond
Weak credit, thin financials or a past claim: how hard-to-place bonds get written.
Learn moreContract bonds
Performance & payment bonds
Bid, performance and payment bonds after you win the job, including NJ public works rules.
Learn moreBond programs
Increase bonding capacity
Surety won’t go bigger? What sets your single-job and aggregate limits, and how to raise them.
Learn moreDeveloper bonds
Subdivision & site improvement bonds
Performance and maintenance guarantees for NJ subdivision and site plan approvals.
Learn moreCourt bonds
Appeal (supersedeas) bonds
Stay collection of a money judgment while you appeal under NJ Rules 2:9-5 and 2:9-6.
Learn moreWho we help
A bond is not insurance
A surety bond guarantees your obligation to someone else. Before a bond is issued, the owners usually sign an indemnity agreement promising to repay the surety if it ever pays a claim. We walk you through that agreement before you sign.
Questions people ask
What is a surety bond?+
A three-party guarantee: the surety guarantees to the obligee (an owner, town or court) that the principal (you) will meet an obligation, such as completing a contract or paying a judgment.
Is a surety bond the same as insurance?+
No. Insurance protects you. A bond protects the obligee, and if the surety pays a claim, you and the indemnitors must repay it under the indemnity agreement.
What do sureties look at?+
For contract bonds: credit, financial statements, working capital, work in progress and experience on similar jobs. For court bonds: financial strength and available collateral.
How fast can I get a bond?+
It depends on the bond and how complete your file is. Tell us your bid date, filing deadline or approval date at the start so the file is prioritized.
Can you bond me if I was declined?+
Often. Specialty sureties write bonds for weaker credit, thin financials or past claims, usually with conditions like collateral or funds control. Approval isn’t guaranteed.
Start a Bond Request
Tell us the bond, the amount, who requires it and the deadline. Bid dates and court deadlines get priority.
Start a Bond RequestBond approval, amounts and terms are decided by the surety based on its underwriting. Approval is not guaranteed. A surety bond is not insurance for the principal: if the surety pays a claim, the principal and indemnitors must repay it. Kevin Brown Insurance Agency does not provide legal advice; consult your attorney about court filings and contract terms.
Turned down somewhere else?
Hard-to-place risks, large commercial projects and business-owner life insurance. Kevin reviews every file personally. No call center.