Surety Bonds

At Hanby Insurance, we make surety bonds simple — guiding you through every step with expert knowledge and personalized service.

A surety bond is a legally binding promise — a three-party agreement between the principal (you or your business), the obligee (the party requiring the bond), and the surety (the insurance company guaranteeing the obligation). In short, it's a guarantee that you'll fulfill a specific obligation, whether that's completing a contract, following regulations, or repaying funds.

Unlike traditional insurance, surety bonds function more like a line of credit. If a valid claim is made, the surety steps in to pay the obligee, but you, as the principal, remain responsible for repaying that amount. This keeps accountability where it belongs: with the party making the promise.

At Hanby Insurance, we work with individuals and businesses across a range of surety bond needs. Here's a closer look at what we offer.

Notary Bonds

If you're a notary public or are looking to become one, a notary bond is required by the state before you can begin notarizing documents. This bond protects the public from financial harm in the event of a notarial error or misconduct. It's one of the most straightforward bonds we issue.

The state of Texas requires every notary to complete a class before the bond can be issued. This class costs about $20. Once you've taken the class and passed the test, you can apply online for your notary bond. We offer online services if you'd like to get started on your own. Use the link to the right of this article to begin.

Lost Title Bonds

Lost your vehicle title, or purchasing a vehicle without a clear title history? A lost title bond, sometimes called a certificate of title bond, allows you to register and title the vehicle in your name. It protects the state and any future owner from claims arising from an unclear ownership history.

We offer this service to help our current clients and anyone in need of a lost title bond. Once you have received the bond paperwork from the county tax office, you can apply for your lost title bond by clicking on the link to the right of this article. If you need assistance, please reach out to our office. We are happy to help!

City Permit Bonds

Many municipalities require a permit bond before issuing licenses for contractors, excavators, right-of-way work, and other regulated activities. These bonds guarantee that your work will comply with local ordinances and that any damage to public property will be repaired. We write city permit bonds exclusively for businesses we also insure, so if you're already a Hanby Insurance business client, we can handle your permit bond needs in one place.

Bid and Performance Bonds

Bid bonds assure project owners that you're committed to entering a contract if your bid is accepted. Performance bonds take it a step further by guaranteeing that the work will be completed in accordance with the contract terms. Together, they're essential tools for contractors pursuing public and private projects. Like our city permit bonds, bid and performance bonds are available exclusively to businesses we insure at Hanby Insurance. This ensures we have the full picture of your business and can advocate for you effectively.

Have questions about which bond is right for your situation? Our team is here to help. Contact Hanby Insurance today, and let's find the right solution together.