Surety Bonds in Texas — License, Contractor, and Business Solutions

Bonding Made Easy — Fast Approval for Your Next Project or License

A surety bond isn’t insurance for you; it’s a financial guarantee that you’ll do what you promised — whether that’s finishing a project, paying subcontractors, or following a state or city law. Bonds involve three parties:


  • Principal: You, the business or contractor needing the bond
  • Obligee: The party requiring the bond (often a city, client, or state agency)
  • Surety: The company backing the guarantee


If you don’t meet your obligations, the bond pays the obligee, and you repay the surety — giving everyone peace of mind.

License, Permit, and Contractor Bonds for Texas Businesses

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Contract Bonds

Bid bonds, performance bonds, payment bonds — required for contractors bidding on and executing public or private projects.

License & Permit Bonds

Required for many businesses (contractors, auto dealers, notaries, etc.) to meet local or state licensing rules. We issue many common bonds same-day.

Commercial & Fidelity Bonds

Protect your business against employee dishonesty or meet special requirements for public officials and other roles.

Court Bonds

(If needed) — Appeal bonds, guardianship bonds, and more.

Solutions for Contractors, Business Owners, and More

If you’re a contractor bidding on a job, you’ll likely need a performance or payment bond. New businesses often require license or permit bonds to open their doors or renew a license. We help Ballinger and West Texas companies — from builders to car dealers — meet all bonding requirements quickly and affordably.

Quick Approvals, Competitive Rates, and Guidance Every Step

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Same-day issue for most small bonds (like license or notary bonds)

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Help for first-time bond buyers — we explain the process and help build your bonding history

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Access to multiple surety companies for best rates — even if credit is a concern

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Application support for larger contract bonds, including presenting your financials to sureties

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Your Bonding Questions, Answered

  • Where can I get a surety bond in Texas?

    Right here. We issue bonds for businesses across Ballinger, Abilene, and West Texas — often same-day.

  • What bond does a contractor need for a project?

    Typically a bid bond for the proposal, a performance bond to guarantee completion, and a payment bond to ensure subs and suppliers are paid.

  • What are license and permit bond requirements in Texas?

    Many city and state licenses require a bond — for contractors, auto dealers, notaries, and others. We’ll walk you through your requirements.

  • What’s the difference between a surety bond and insurance?

    Insurance protects you; a surety bond guarantees your promise to someone else. If a claim is paid out, you must repay the bonding company.

  • How much do bonds cost?

    Most common bonds are affordable — often $100–$250 for license bonds. We shop for the best deal and help even if your credit isn’t perfect.

Need a Bond for Your Next Project or License? Get Help Fast

Let Willingham Insurance Agency simplify the bonding process. Contact us for fast approval, expert guidance, and affordable rates.