Surety Bonds from Brawner Insurance help contractors and businesses meet bonding requirements for contracts, licenses, and legal proceedings. We work with top surety carriers to secure the right bonds for businesses across Missouri, Iowa, Kansas, and Illinois — quickly and efficiently.
Bond requirements can delay projects, prevent licensing, or hold up legal proceedings — frustrating businesses that need to move fast. Whether you are bidding a contract, obtaining a license, or navigating court requirements, having a knowledgeable bond partner is essential to keep your business moving forward.
As an independent insurance agency since 1992, Brawner Insurance works with multiple top surety bond carriers to secure contract bonds, license and permit bonds, court bonds, fidelity bonds, and more. We understand bond requirements across industries and help you qualify efficiently.

From contractors bidding public projects to businesses obtaining licenses, Brawner Insurance helps Midwest companies secure the surety bonds they need. Our independent agency advantage means we work with multiple top bond carriers to find the right bonds at competitive rates.
Get a Free Quote →We will review your bond requirements, help you qualify, and secure the right surety bonds from top carriers — at no cost to you.
Get a Free Quote →660-665-1687 · 660-754-1000
Surety bonds come in many forms for different business needs. Here is what we help secure.

Guarantees performance and payment on construction and service contracts — includes bid bonds, performance bonds, and payment bonds required for public and private projects.
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Required to obtain business licenses and permits in many industries — guarantees your business will comply with laws and regulations governing your professional activities.
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Covers a wide range of business needs including fidelity bonds, fiduciary bonds, lost instrument bonds, and other commercial bond requirements for daily business operations.
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Required in legal proceedings — including appeal bonds, probate bonds, attachment bonds, and injunction bonds to ensure parties comply with court orders and judgments.
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Many BOPs include valuable add-ons like data compromise coverage, employee dishonesty, outdoor signs, and spoilage — comprehensive protection in one affordable package.
Learn More →We tailor BOP coverage to your industry, size, and risk profile — every business is unique.
Talk to an Agent →Surety bonds and insurance are often confused but work very differently. Here is how they compare.
Best for: people who need immediate income protection for temporary setbacks.
Best for: professionals who need to protect decades of future earning potential.
Surety bonds are legal guarantees, not insurance — Brawner helps you understand the difference and secure the bonds your business needs.
Get Surety Bond Quote →We will review your bond requirements, project details, and business needs to secure the right surety bonds for your situation.
Get a Free Bond Consultation →660-665-1687 · 660-754-1000
Understanding these key facts helps you navigate surety bond requirements for your business or project.
Surety bonds involve three parties — the principal (you), the obligee (project owner or government), and the surety (Brawner through top bond carriers) guaranteeing performance.
Contractors, tradespeople, truckers, and any business with valuable mobile equipment or tools needs Surety Bonds for complete protection.
Bond premiums are typically 1-3% of the bond amount for qualified applicants — based on credit, financials, and experience. Not insurance premiums, but a fee for the guarantee.
Unlike insurance, if a surety pays a claim on your bond, you must reimburse them. Bonds guarantee your performance to others — you remain financially responsible for claims.
Planning Tip: Do not let bond requirements delay your project or license. Brawner Insurance helps you secure the right surety bonds quickly and efficiently through top bond carriers.
We learn about your bond requirements, project details, financials, and experience to secure the right surety bonds for your business or project.
We shop your surety bonds across top bond carriers to find competitive pricing and the right coverage features.
We walk through coverages, limits, and exclusions in plain language — no insurance jargon.
We handle the application, paperwork, and stay available year-round for claims and questions.
Practical guidance to help you make confident insurance decisions.
Learn why constantly switching providers can create risks and what to consider instead.
Watch on YouTube →Real conversations about coverage, risks, and solutions for clients across the Midwest.
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Schedule a Consultation →We start by understanding your bond requirements, project details, and business qualifications so we can secure the right surety bonds.
We shop your surety bonds across multiple top bond carriers, explaining coverages and costs in plain English.
Once you choose a policy, we handle the paperwork and make sure everything is in force.
Brawner Insurance is here all year for claims, billing questions, and annual reviews — you have a real advocate.
See why business owners across the Midwest trust Brawner Insurance for BOP coverage.
"If you are shopping for peace of mind with insurance contact Caitlin Howe at Brawner. Not to mention correctly written policies, surprisingly good rates and excellent customer service."
"Caitlin Howe at Brawner Insurance was very helpful, and made sure everything was done perfectly. She made the process stress and worry free. Best insurance agent hands down I have worked with."
"Brawner recently quoted our district insurance. Jacob was professional and easy to work with. The Board of Directors chose VFIS through Brawner for the best and cost efficient coverage."
Surety bonds are three-party agreements where a surety company guarantees that one party (the principal) will fulfill obligations to another party (the obligee). Unlike insurance, bonds protect the obligee, and the principal must reimburse the surety for any claims paid.
Contractors bidding public projects, businesses requiring licenses or permits, court proceedings, and many commercial situations require surety bonds. Construction, auto dealers, freight brokers, and licensed professionals commonly need bonds.
Common types include contract bonds (bid, performance, payment), license and permit bonds, commercial bonds (fidelity, fiduciary), court bonds (appeal, probate), and customs bonds. Brawner Insurance helps identify which bonds your business needs.
Bond premiums are typically 1-3% of the bond amount for qualified applicants — based on credit, financials, and experience. A $100,000 bond might cost $1,000-$3,000 annually. Brawner Insurance compares quotes from multiple top bond carriers.
Insurance is a two-party agreement protecting the insured. Bonds are three-party agreements protecting a third party (the obligee). With insurance, the insurer pays claims without reimbursement. With bonds, the principal must reimburse the surety for any paid claims.
Yes — as an independent insurance agency, Brawner Insurance works with multiple top surety bond carriers to secure the right bonds for your business or project. We work with contractors and businesses across Missouri, Iowa, Kansas, and Illinois.
Brawner Insurance helps contractors and businesses across the Midwest secure surety bonds from top carriers — contract bonds, license bonds, court bonds, fidelity bonds, and more.
Get a Free Quote →660-665-1687 · 660-754-1000
As an independent agency, we offer the full range of insurance solutions for families, farms, and businesses — all under one roof.
Cars, trucks, and SUVs — coverage that fits your driving life.
Learn MoreProtect your house, belongings, and personal liability with the right policy.
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