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Surety Bonds  ·  Missouri

Missouri Surety Bonds. Secure Bond Solutions.

From contractors in Kirksville to businesses across St. Louis and Kansas City, MO companies trust Brawner Insurance for Surety Bonds — Brawner Insurance helps Missouri small businesses find affordable Surety Bonds from multiple top carriers.

★★★★★5.0 Rating
|
50+ Carriers
|
MO, KS, IA, IL
|
80+ Reviews
Surety Bond SolutionsContract, license, court & more
Independent AgencyWe shop 50+ carriers
4 States CoveredMO, KS, IA, IL
Local SupportTwo Missouri offices
Why It Matters

Why Missouri Businesses Choose Brawner Insurance

Missouri contractors, licensed businesses, and professionals face various bond requirements for public projects, licensing, and legal proceedings. MO businesses need a reliable bond partner to secure contract bonds, license bonds, and other surety requirements quickly.

As an independent agency since 1992, Brawner Insurance helps Missouri small business owners work with multiple top surety carriers, help with bond qualification, and secure the right bonds for their needs, and find competitive rates — all while providing local, personal service.

Surety Bonds
All Typesbond solutions for Missouri businesses
Fast Servicequick turnaround to meet deadlines
Since 1992serving Missouri contractors and businesses

From contractors to licensed businesses across Missouri, Brawner Insurance helps companies secure the surety bonds they need through top bond carriers. Our independent agency model means we shop multiple carriers for the best rates.

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Missouri businesses — secure your bonds.

Brawner Insurance helps Missouri small businesses find affordable Surety Bonds from multiple top carriers — at no cost to you.

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660-665-1687  ·  660-754-1000

Coverage Options

Surety Bonds Through Brawner

Surety bonds come in many forms for different business needs. Here is what we help secure for Missouri businesses.

Contract Bonds

Contract Bonds

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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License Permit Bonds

License & Permit Bonds

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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Commercial Bonds

Commercial Bonds

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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Court Bonds

Court Bonds

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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Fidelity Bonds

Fidelity Bonds

Many BOPs include valuable add-ons like data compromise coverage, employee dishonesty, outdoor signs, and spoilage — comprehensive protection in one affordable package.

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Every Business Is Different

Build your policy.

We tailor BOP coverage to your industry, size, and risk profile — every business is unique.

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Your Options

Surety Bonds vs. Insurance — Which Fits You?

Surety bonds and insurance are often confused but work very differently. Here is how they compare.

Option 1

License & Permit Bonds

  • Covers temporary disabilities of weeks or months
  • Benefits begin after 0-14 day waiting period
  • Typically pays for 3-12 months
  • Replaces 60-70% of income during recovery
  • Ideal for surgeries, childbirth, short illnesses
  • Often offered through employers or individually

Best for: people who need immediate income protection for temporary setbacks.

Option 2

Commercial Bonds

  • Covers serious disabilities lasting years
  • Benefits begin after 90-180 day waiting period
  • Typically pays until age 65 or 67
  • Replaces 50-70% of income long-term
  • Ideal for chronic illness, serious injury
  • Most critical coverage for professionals

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.

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Not sure what coverage is right for you?

We will review your bond requirements, project details, and business needs to secure the right surety bonds for your situation.

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660-665-1687  ·  660-754-1000

Key Facts

What You Should Know About Surety Bonds

Understanding these key facts helps you navigate surety bond requirements for your business or project.

Three-Party Agreement

Surety bonds involve three parties — the principal (you), the obligee (project owner or government), and the surety (Brawner through top bond carriers) guaranteeing performance.

Who Needs It

Contractors, tradespeople, truckers, and any business with valuable mobile equipment or tools needs Surety Bonds for complete protection.

Bond Premium

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.

Reimbursement

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.

Our Process

How We Help You Choose

1

Review Your Situation

We learn about your bond requirements, project details, financials, and experience to secure the right surety bonds for your business or project.

2

Compare Carriers

We shop your surety bonds across top bond carriers to find competitive pricing and the right coverage features.

3

Explain Your Options

We walk through coverages, limits, and exclusions in plain language — no insurance jargon.

4

Set Up and Support

We handle the application, paperwork, and stay available year-round for claims and questions.

Featured Insights

Insurance Insights & Education

Practical guidance to help you make confident insurance decisions.

Video

Why Shopping Insurance Every Year Can Hurt Your Fire or EMS District

Learn why constantly switching providers can create risks and what to consider instead.

Watch on YouTube →
Video

Introducing the ResponderShield Desk Series — Real Insurance Conversations

Real conversations about coverage, risks, and solutions for clients across the Midwest.

Watch on YouTube →

Looking for guidance specific to your needs?

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Getting Started

How Surety Bonds Work

1

Free Consultation

We start by understanding your bond requirements, project details, and business qualifications so we can secure the right surety bonds.

2

Plan Comparison

We shop your surety bonds across multiple top bond carriers, explaining coverages and costs in plain English.

3

Easy Enrollment

Once you choose a policy, we handle the paperwork and make sure everything is in force.

4

Year-Round Support

Brawner Insurance is here all year for claims, billing questions, and annual reviews — you have a real advocate.

Client Reviews

Trusted by Businesses Across Missouri, Iowa, Kansas & Illinois

See why business owners across the Midwest trust Brawner Insurance for BOP coverage.

★★★★★
5.0
Based on 80+ Google Reviews
Daniel Goodman
★★★★★

"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."

Alyssa Baker
★★★★★

"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."

Corey S
★★★★★

"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."

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Common Questions

Missouri Surety Bonds FAQ

What types of Surety Bonds are available in Missouri?

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In Missouri, common surety bonds include contract bonds (bid, performance, payment), license and permit bonds, commercial bonds, court bonds, and fidelity bonds. Brawner Insurance helps Missouri businesses identify and secure the right bonds.

How much do Surety Bonds cost in Missouri?

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In Missouri, 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 compares quotes from top bond carriers.

Who needs Surety Bonds in Missouri?

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In Missouri, contractors bidding public projects, auto dealers, notaries, freight brokers, licensed professionals, and businesses in many industries need surety bonds. Requirements vary by industry and project. Brawner helps determine what bonds you need.

What is the difference between bonds and insurance in Missouri?

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Insurance protects Missouri businesses from losses they suffer. Surety bonds protect a third party (obligee) and guarantee the principal (you) will perform. With bonds, if a claim is paid, you must reimburse the surety — unlike insurance.

How quickly can I get a Surety Bond in Missouri?

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For Missouri businesses, many standard bonds can be issued within 1-3 business days for qualified applicants. Larger or more complex bonds may take longer. Brawner Insurance works efficiently to meet your deadlines.

Can Brawner help Missouri businesses with Surety Bonds?

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Yes — Brawner Insurance works with Missouri contractors and businesses to identify bond requirements, qualify applicants, and secure the right bonds from top surety carriers at competitive rates.

Secure Missouri bonds today.

Brawner Insurance helps Missouri small businesses find affordable Surety Bonds from multiple top carriers — property, liability, and interruption in one package.

Get a Free Quote →

660-665-1687  ·  660-754-1000

Visit Us

Our Office Locations

Kirksville, MO

2605 N. Baltimore St., Kirksville, MO 63501

660-665-1687

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Kahoka, MO

465 S. Johnson St., Kahoka, MO 63445

660-754-1000

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