What JW Surety Bonds does

JW Surety Bonds, operating as JW Bond Consultants, Inc., is a privately held, family-owned surety bond and small business insurance agency headquartered in Pipersville, Pennsylvania. Founded in 2003, the company issues surety bonds across all 50 U.S. states and self-describes as the nation's largest volume bond and insurance producer, serving over 40,000 customers and writing more than $4 billion in bonds and insurance annually with a staff of 50+ employees. The product portfolio spans four core surety categories — License & Permit Bonds (auto dealer, contractor, freight broker, mortgage broker, and 50+ other types), Contractor Bonds (bid, performance, payment, maintenance, supply, and BEAD broadband bonds), Court Bonds (probate, fiduciary, guardianship, appeal/supersedeas), and Fidelity Bonds (ERISA, employee dishonesty, business service) — alongside a complementary small business insurance offering covering general liability, professional liability/E&O, workers' compensation, business owner's policies, and contingent cargo/auto liability.

The operating backbone is SuretyCloud, the company's proprietary online platform that delivers real-time bond pricing within minutes using soft credit pull technology (no credit-score impact), electronic application, and digital bond delivery. JW holds a direct electronic filing integration with the FMCSA that enables near-instant activation of freight broker operating authority, a capability that materially differentiates the service versus manual paper filings. The go-to-market combines a digital self-serve funnel with a dedicated inside-sales team (phone and email), a partner-broker distribution network, and an SEO-driven content marketing program anchored by an education center and industry-specific blog content. Underwriting and rate-setting logic is sourced from a network of sureties and insurance carriers, with JW acting as the producing agency.

JW generates revenue through commissions on annual bond premiums and insurance policies. Surety bond premiums typically run 1-12% of bond face value depending on credit profile and bond type, with concrete examples in the source material: $500-$5,000 for auto dealer bonds, $938-$10,000+ for freight broker bonds, ~$2,065 per year on a $500,000 fiduciary bond, and 0.5%-3% for construction performance bonds. Insurance and bad-credit programs carry differentiated pricing tiers. The company is bootstrapped — no external funding rounds, no institutional investors, no public listing — and remains under family ownership after more than two decades of operations.

Name

JW Surety Bonds

Legal name

JW Bond Consultants, Inc.

Website

https://jwsuretybonds.com

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

11–50 employees

Short description

JW Surety Bonds is a privately held, family-owned surety bond and small business insurance agency that issues license, contractor, court, and fidelity bonds across all 50 U.S. states through its proprietary SuretyCloud quoting platform, serving 40,000+ SMB and individual customers.

Ownership category

akta.pro rank

Product category

Surety Bond Services

NAICS

Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Surety Insurance (6351), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Surety & Bond Brokerage (FSAEADAI)

akta.pro secondary industries

Contract Surety Bonds (FSAJAIAA), License & Permit Bonds (FSAJAIAF), Commercial Surety Bonds (FSAJAIAB), Notary / Bail / Miscellaneous Consumer Bonds (FSAJAIAK)

Keywords

• Surety bonds
• License permit bonds
• Contractor bonds
• Court bonds
• Fidelity bonds

Headquarters

HQ city

Pipersville

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Marketing or Sales, Technology or R&D, Operations, Infrastructure

Revenue model

1. Surety Bond Premiums: Annual premiums charged as a percentage of bond amounts (typically 1-12% depending on credit profile and bond type). Premiums range from $500-$5,000 for auto dealer bonds, $938-$10,000+ for freight broker bonds, and 0.5%-3% for construction performance bonds.
2. ERISA Bond Premiums: Flat-rate annual premiums for ERISA bonds, typically starting around $100-$200/year for minimum required coverage. Premiums vary based on plan assets and number of covered employees.
3. Fiduciary/Court Bond Premiums: Annual premiums for court bonds including fiduciary, guardianship, and appeal bonds, typically under 1% of bond value. Example: $500,000 fiduciary bond approximately $2,065/year.
4. Bad Credit Bond Programs: Higher-rate premium programs for applicants with credit challenges, typically 2-5% of bond amount, often requiring collateral for high-risk profiles.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

JW Surety Bonds underwrites and distributes a broad portfolio of surety bonds and small business insurance products across all 50 U.S. states, including License & Permit Bonds, Contractor Bonds, Court Bonds, Fidelity Bonds, and Business Insurance. Bonds are quoted in real time through the proprietary SuretyCloud platform using a soft credit pull and can be electronically filed directly with agencies such as the FMCSA for instant activation of operating authority.

Product overview

JW Surety Bonds operates as a digital-first surety bond and small business insurance marketplace, offering a broad portfolio of products organized into four core categories: License & Permit Bonds (covering auto dealers, contractors, freight brokers, mortgage brokers, notaries, and 50+ other bond types across regulated industries), Contractor Bonds (bid bonds, performance bonds, payment bonds, maintenance bonds, supply bonds, and the BEAD broadband bond), Court Bonds (probate/executor, guardianship, conservatorship, appeal/supersedeas, and judicial bonds), and Fidelity Bonds (employee dishonesty, business service, ERISA, janitorial, and financial institution bonds). The company also distributes complementary Business Insurance including general liability, professional liability/E&O, workers' compensation, and business owner's policies. The offering is anchored by a proprietary Real-Time Quote Engine (SuretyCloud platform) that delivers instant bond pricing with soft credit pulls, supported by an in-house claims advocacy team and a 100% money-back guarantee. A $100,000 Excess Bond Program extends the standard $75,000 BMC-84 freight broker bond for clients needing higher coverage limits.

Differentiator

Problem solved

Functional benefit

Products and services

• License & Permit Bonds A broad category of commercial surety bonds required across the U.S. by state and local governments for various professions and industries to protect the public and ensure regulatory compliance. Includes bonds for auto dealers, contractors, freight brokers, mortgage brokers, notaries, collection agencies, and many more.
• Contractor Bonds Surety bonds required for contractors to bid on and perform public and private construction projects. Includes bid bonds, performance bonds, payment bonds, maintenance bonds, supply bonds, and BEAD program surety bonds.
• Court Bonds Surety bonds required by courts for legal proceedings, including fiduciary/probate bonds, guardianship bonds, appeal/supersedeas bonds, and judicial bonds such as injunction, replevin, attachment, and receiver bonds.
• Fidelity Bonds Insurance products that protect businesses from employee dishonesty, fraud, or theft. Includes employee dishonesty bonds, business service bonds, ERISA bonds, janitorial/cleaning bonds, and financial institution bonds.
• Business Insurance Commercial insurance policies for small businesses including general liability, professional liability/E&O, workers' compensation, business owner's policy (BOP), commercial property, contingent cargo, and contingent auto liability.
• BMC-84 Freight Broker Bond A mandatory $75,000 surety bond required by the FMCSA to activate freight broker operating authority. Protects motor carriers and shippers by guaranteeing payment for services rendered.
• $100,000 Freight Broker Excess Bond Program An optional upgrade to the standard BMC-84 freight broker bond, providing $100,000 in coverage above the required $75,000 to meet requirements from major shippers such as Costco, Walmart, and US Foods.

Quantifiable outcome

• Writes over $4 billion in surety bonds and insurance each year
• +3 more outcomes

Named customers5 records

Segments8 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• FMCSA (Federal Motor Carrier Safety Administration)coreTechnology or Integration · 1 January 2003Direct electronic filing partnership enabling instant activation of freight broker authority. JW Surety Bonds transmits bond data directly to FMCSA systems for immediate license status updates, distinguishing their service from manual paper filings that take weeks.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Bryant Surety Bonds: National surety bond agency with a comparable product menu spanning contract, license, court, and fidelity bonds, competing for the same contractor and freight broker customer base.
• Surety Bond Connection: Surety bond agency that arranges bonds across multiple lines (contract, license, court), directly comparable in product mix and target SMB segments.
• SuretyBonds.com: Online-first surety bond agency offering real-time quotes across all major bond types, competing head-to-head with JW Surety Bonds for the same SMB and consumer surety market.
• Lance Surety Bonds: Specialized online surety bond agency with a similar inside-sales + digital GTM motion, offering license, permit, court, and fidelity bonds to the same regulated verticals as JW.
• Viking Bond Service: Surety bond producer serving individuals and businesses across all 50 states with a similar broad bond portfolio to JW Surety Bonds.

Emerging players

• Next Insurance: Digital-first insurtech offering small business insurance (GL, workers' comp, professional liability) directly online — competes with JW's business insurance cross-sell and could expand into bonds.

Broad incumbents

• Marsh: Global insurance brokerage with a dedicated surety practice serving large contractors and commercial accounts — broader portfolio and larger surety limits than JW.
• Arthur J. Gallagher & Co. Large diversified insurance brokerage with a surety bond practice spanning commercial and contract surety — a broader incumbent that overlaps with JW's contractor and commercial bond segments.
• Hub International: North American insurance brokerage with a surety practice serving contractors and small businesses, comparable in customer profile to JW even if broader in scope.
• Aon: Global risk and insurance brokerage with a Construction Services / surety practice that places large contract and commercial surety bonds — competes in the upper end of the same market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/jw_surety_bonds
• Facebookfacebook.com/jwsuretybonds
• LinkedInlinkedin.com/company/jw-surety-bonds

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about JW Surety Bonds