Surety Bonds in Kentucky

Surety bonds are often required to get licensed, win contracts, or comply with regulations. United Agency of Kentucky helps businesses secure the right bond quickly - without confusion about what's required.

A Simple Three-Party Guarantee

A surety bond involves three parties:

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Principal: You, the business or individual needing the bond

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Obligee: The entity requiring the bond (state, city, client)

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Surety: The company that guarantees the obligation

If a valid claim is made, the surety may pay - but the principal is typically responsible for repayment. Bonds are not insurance for the bonded party; they are a financial guarantee

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Bonds We Help Place Most Often


Contractor Bonds

Required for many construction and trade licenses or project bids.


License & Permit Bonds

Needed for certain regulated professions and business licenses.


Performance & Payment Bonds

Common for larger projects to guarantee work completion and payment to subcontractors.


Auto Dealer Bonds

Required for licensed auto dealers in Kentucky.


Notary Bonds

Required for commissioned notaries.


Fidelity Bonds

Protect businesses from employee theft or dishonest acts.

Timeline & What We'll Need

Many common bonds can be issued quickly once we have:

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Business or individual name

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License or bond type

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Required bond amount

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Obligee information

Some bonds - especially higher-dollar or performance bonds - may require additional financial details. We'll let you know upfront what's needed and why.

Avoid Delays and Rejections

Bond requirements can be specific, and choosing the wrong bond can delay licensing or contracts. We help confirm:

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The correct bond type

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Exact bond wording

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Proper obligee name

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Required limits

This accuracy saves time and prevents rework.

Supporting Contractors & Regulated Businesses

We regularly assist contractors, trades, and regulated businesses across Eastern Kentucky that need bonds for jobs, bids, or licensing - often on tight timelines.

Get the Right Bond - Quickly

Whether you need a contractor bond, license bond, or specialty bond, we'll guide you to the correct option and get it issued efficiently.