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Surety Bonds in New Hampshire

If you have to follow New Hampshire surety bond requirements, get all the important information in the easy guide below.

How Do Surety Bonds in New Hampshire Work?

Surety bonds make one party liable to another party for any damages that result in financial losses. There are many different surety bonds types, each with unique details, but all surety bond agreements work the same way. There are three parties involved:

  • Principal – The person required to get the bond and required to pay for valid claims.
  • Obligee – The person who files claims against the surety bond to recoup financial losses caused by the principal.
  • Surety – The party that guarantees a claim settlement to the obligee when the principal can't or won't pay for a valid claim. After settling, the surety uses whatever means necessary to collect the amount, plus interest and fees, from the party who has liability for it under the bond agreement (the principal).

Types of Surety Bonds in New Hampshire

Most New Hampshire bonds fall into one of four common categories:

  • Commercial – Getting a business or professional license may first require getting a commercial surety bond.
  • Contract – Some contracts, especially in the construction industry, require the party performing the work to get different surety bonds, broadly known as contract bonds.
  • Court – A judge may require someone participating in a trial or undertaking a court-appoint role to get a court bond first.
  • Fidelity – A fidelity bond protects a business from losses caused by employee misconduct, like theft. Businesses get fidelity bonds by choice – they are not required.

Who Needs Surety Bonds in New Hampshire?

Some people know they will need surety bonds, like motor vehicle dealers or large construction providers. But for others, New Hampshire surety bond requirements pop up unexpectedly, like when getting utility services started. Don't let these requirements become an obstacle – rely on Viking Bond Service instead.

How to Get Surety Bonds in New Hampshire

The process can vary depending on the bond type, the coverage amount, and the principal's background. Most bonds only take a few steps to apply for, including the following:

  • Fill out a bond application
  • Agree to undergo a credit check
  • Supply the surety, when necessary, with additional documents (financial statements, etc.)

How Much Do Surety Bonds in New Hampshire Cost?

Typically, surety bond costs will be a small percentage of the coverage amount based on the principal's credit score and, when applicable, their business background. People deemed a higher risk will pay larger premiums. However, thanks to a special program from Viking Bond Service, they will not face immediate denial or outrageous rates just because of credit.

Do You Need to Renew Surety Bonds in New Hampshire?

Some bonds need to be renewed – commercial bonds in particular. That will involve another credit check, which the surety will use to adjust the premium up or down. That's why it's important to budget for the renewal premium to avoid lapses in bond coverage.

Get Surety Bonds in New Hampshire From Viking Bond Service

Get quotes for New Hampshire bonds from us, a national surety agency with the resources to make bonding easy and affordable for everyone. Request a quote, contact us, or call 1-888-2-SURETY (1-888-278-7389).

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