Real questions with real answers…





We hear you and we’ve got this!!

Why is this taking soooo long?

Some bonds can be ready to go in a matter of minutes while some could take much, much longer.  Approval time varies based on bond type, size and individual factors related to the matter requiring the bond. As soon as you complete the application we can start the process and give you a realistic estimate for the timeframe your bond will need.

Can’t you just call the underwriter?

Nooo! We have worked long and hard to establish great relationships with our underwriters and part of this is knowing the best way of working with our surety partners.  When underwriters feel pressured they are more likely to choose the safest answer which is a declination.  Once a bond is declined it is much more difficult to get an approval.   So please be patient with us and know that we are working to get you what you want in the time frame you need it.

Why do you need that information?

The process of deciding surety support is actually more like that of a mortgage than insurance.  Unlike a mortgage, surety bonds are usually unsecured so if the surety gets it wrong there is nothing to recoup the costs and therefore they need to do all they can to make sure they are coming up with the right answer.  The best way to gather that information is with applications and financial information.  This allows for the  thorough examination of everything past and present and gives the underwriter the ability to make an informed decision on the future. The good news is that once the surety has all of this info in file, they can establish a bond line that will make sure you can get additional bonds fast and easy!

Is all the paperwork really necessary?

We wish there was a better answer but the answer is yes.  Any information we request is necessary.  We ask that you trust us and understand that it is not our intention to waste your time. We will try and make the process as quick and smooth as possible.

Remember we can only make money when you win!

What is a surety bond?

A surety bond is a three-party agreement that legally binds together a principal who needs the bond, an obligee who requires the bond, and a surety company that sells the bond. The bond guarantees the fulfillment of specified tasks within the contract.

How much does a surety bond cost?

This is one of the most frequently asked questions about surety bonds. It depends on the type of bond and your credit score, which is the biggest factor that determines how high your quote is going to be.

How do I get a surety bond?

First apply for one. Once your application is completed we will contact you. Approval of each bond varies, but we will assist you in any way to help move the process along. However setting up a bond line, makes additional requests fast and easy!

At Atlantic Coast Surety, we have worked hard to eliminate the worst parts of the surety experience to make the bond process as easy as possible. We specialize in the placement and servicing of surety bonds, and assure our customers of superior service and competitive pricing, always.

So talk to us.

We’re bond experts here to answer your questions

…and we’re listening!

Contact Anthony Spina for assistance.
Ph: (201) 661-2981   OR    Email: