Contractor applying for bonds in Des Moines, IA with The Insurance Specialists, Inc. using a laptop in a workshop

Protect Your Business with Surety Bonds

Surety bonds are a vital safeguard that help shield your business from both financial and legal exposure.

In Iowa, they help ensure compliance with a wide range of obligations—whether you’re securing a professional license, fulfilling a contract, or addressing title issues.

Having the right bond in place helps your business operate smoothly, avoid costly setbacks, and stay aligned with state regulations.

These bonds come in many forms, including fidelity bonds, contract bonds, and performance bonds—each designed to cover specific requirements.

From replacing a lost vehicle title with a Certificate of Title Bond to meeting legal or project mandates with a performance bond, surety bonds provide a strong layer of protection for your business.

If you’re looking for reliable bonds in Des Moines or the surrounding areas, The Insurance Specialists, Inc. is here to help.

Protect your business with confidence—get a quote today.

Customized Bond Solutions for Your Business

At The Insurance Specialists, Inc., we understand that no two businesses have the same bonding needs.

That’s why we offer a full range of surety bonds, tailored to meet Iowa’s specific legal and financial requirements.

As a trusted partner of CNA Surety, we make the bonding process smooth, efficient, and reliable—so you can stay focused on running your business.

We provide the following core bond solutions:

  • Fidelity Bonds – Safeguard your business against internal losses linked to employee theft, fraud, or dishonest behavior.

  • Contract Bonds – Ensure that business agreements are fulfilled as promised, protecting all parties involved in a project or transaction.

  • Performance Bonds – Guarantee that work is completed according to contract terms, often used in construction and service-based industries.

  • Certificate of Title Bonds – Required when a vehicle title is missing or ownership documentation is incomplete, helping you obtain a clear title under Iowa law.

Whether you’re applying for a license, starting a new project, or addressing legal compliance, our bond specialists can help you secure the right solution with confidence.

We also offer surety bonds designed to meet specific Iowa legal and business requirements:

Surety bonds are essential for a wide range of business, legal, and vehicle-related purposes in the state.

Certain types of surety bonds work alongside insurance policies, offering an additional level of protection and security for both businesses and individuals.

Working with CNA Surety provides seamless bond acquisition, ensuring competitive rates and peace of mind.

Businesses may need surety bonds to comply with Iowa’s regulations, ensuring legal and financial protection.

Required for certain professions, such as contractors in Des Moines, to obtain or maintain licensing.

Used in legal contexts, including court appearances and probate cases, to ensure obligations are fulfilled.

Needed to obtain a clean title for a vehicle in Iowa when the original title is lost, stolen, or missing.

Why Choose The Insurance Specialists, Inc.

Selecting the right surety bond provider is an important decision for your business. Here’s why clients across Iowa trust us for their bonding needs:

Experienced Support

Leverage the knowledge of our seasoned professionals, who are well-versed in surety bonds and familiar with the unique regulations in Iowa.

Customized Bond Solutions

We offer flexible bond options, ensuring you get the right bond tailored to your business’s unique needs.

Competitive Rates

Through our partnership with CNA Surety, we secure the best rates for your bond requirements, without compromising on quality.

Trusted Partnerships

Our longstanding relationship with CNA Surety ensures you receive reliable and comprehensive bond services.

Bonds FAQ

We understand that bonds can be a critical yet complex part of commercial insurance, so we’ve put together answers to the most commonly asked questions. Whether you’re a business owner, contractor, or individual, these FAQs will help clarify your options and guide you through the bonding process with ease.

A surety bond is a guarantee that a third party, called the guarantor, will pay a set amount if the bonded individual or business fails to meet their obligations. This is often required for various business licenses, contracts, or legal reasons.

Some of the most frequently needed bonds in Iowa include contractor license bonds, fidelity bonds for business protection, court bonds for legal cases, and vehicle title bonds when proof of ownership is missing.

In Iowa, if you don’t have proper proof of ownership for a vehicle, like when the title is lost, stolen, or damaged, a Certificate of Title Bond is needed to replace it.

Yes, many businesses in Des Moines require surety bonds to comply with state or local government regulations, depending on the type of industry and legal requirements.

Though they offer financial security, surety bonds and insurance serve different purposes. Surety bonds ensure obligations are met or payment is made, while insurance protects against risks. Some businesses may need both for full protection.

A surety bond guarantees that an obligation will be met, while insurance provides coverage for potential risks. Bonds protect the obligee (the party requiring the bond), whereas insurance protects the insured party.

The approval time can vary, but for most standard bonds, the process usually takes between 24 hours to a few days, depending on the type of bond and underwriting requirements.

Yes, government contracts often require surety bonds, particularly performance bonds, which ensure that a project is completed according to the terms of the contract.

Yes, surety bonds can be canceled, but specific terms apply. For some bonds, a written notice of cancellation is required. The cancellation terms may also vary based on the bond type and the agreement.

If a claim is made, the surety company investigates the validity of the claim. If it’s found valid, the surety pays the obligee, but the bonded party must reimburse the surety for the amount paid out.

Our Other Commercial Insurance Services

Discover our selection of customized commercial insurance solutions crafted to address the varying needs of business owners. Click the links below to explore each service and identify the coverage that aligns best with your business requirements.

  • Contractor’s General Liability Insurance: Protect your business from financial risks associated with third-party claims, including bodily injury, property damage, and legal costs.

  • Commercial Auto Insurance: Get essential coverage for your business vehicles, safeguarding them from accidents, theft, and other risks on the road.

  • Commercial General Liability Insurance: Protect your company from a variety of potential issues, such as third-party claims involving injuries, damage to property, and related legal fees, helping your business stay secure in the face of unexpected situations.

  • Business Owner Insurance: Combine property and liability coverage in a comprehensive policy designed specifically for small and medium-sized businesses.

  • Trucking Insurance: Ensure your trucks and drivers are protected with specialized coverage tailored for the trucking industry.

Looking for the Right Insurance Coverage?

Ensure your peace of mind with the right coverage. Get in touch with us, and we’ll help you explore insurance options that match your priorities and fit your budget.

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