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Oklahoma

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An Oklahoma surety bond is a contract between three entities or individuals.

Those individuals consist of a surety, an obligee, and a principal. The bond acts as insurance for the obligee by saying that if the principal does not do what they promised, they will be reimbursed by the principal or the surety.

In a case where the one who obtained the bond cannot meet their obligations and a claim is filed, the surety will be required to pay the obligee up to the entire amount of the surety. As such, a bond can be seen as a form of credit that the principal receives from the insurance agency or surety. Of course, after a surety takes care of any claims, the involved principal shall be required to pay them back.

Many people believe that a surety is business insurance, but this is simply not true. Insurance is a product that protects the person who purchases it, while a surety offers security for the party requesting the bond. It is also intended to offer protection for the general public.

Common Oklahoma Surety Bonds


An Oklahoma surety bond is a contract between three entities or individuals.

Those individuals consist of a surety, an obligee, and a principal. The bond acts as insurance for the obligee by saying that if the principal does not do what they promised, they will be reimbursed by the principal or the surety.

In a case where the one who obtained the bond cannot meet their obligations and a claim is filed, the surety will be required to pay the obligee up to the entire amount of the surety. As such, a bond can be seen as a form of credit that the principal receives from the insurance agency or surety. Of course, after a surety takes care of any claims, the involved principal shall be required to pay them back.

Many people believe that a surety is business insurance, but this is simply not true. Insurance is a product that protects the person who purchases it, while a surety offers security for the party requesting the bond. It is also intended to offer protection for the general public.

Common Oklahoma Surety Bonds

Contractors Bond
Auto Dealer Bond
Notary Bond
Pawn Broker Bond
Private Investigator Bond
Public Adjuster Bond


How do I purchase a Oklahoma surety bond?

NFP, the nation's largest and most reliable surety company, is authorized to issue many different types of surety bonds in Oklahoma. We can provide the best rates for your bond, as well as the fastest issuance, to get your business off and running.

Our short online application makes it easy. Click below to start the application process today.

Oklahoma Surety Bond FAQs

Oklahoma requires a wide range of surety bonds depending on the industry. Common examples include contractors bonds (for electricians, plumbers, and HVAC professionals), auto dealer bonds and notary bonds. Many cities and counties may also require local businesses to get a license and permit bond.

In Oklahoma, notaries must obtain a $1,000 notary bond for their four-year commission term. The cost for this bond is typically between $30 and $50, depending on the provider. This bond protects the public, not the notary, against financial harm caused by notarial misconduct.

Contractor bonds in Oklahoma usually start at $5,000 in required coverage, with annual premiums ranging from $50 to $100. The exact cost depends on the type of contractor license, the amount of the bond required, and the applicant’s credit history.

Yes, many surety companies in Oklahoma offer bonds to applicants with less-than-perfect credit. While the rates may be higher, typically between 4 and 15% of the bond amount, you can still qualify. Some bond types are easier to get with poor credit than others, especially license and permit bonds.

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All Types. All States. The very best solutions for your surety bond needs.