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Surety Bond Jobs (NOW HIRING)

The Hartford

Commercial Surety Bond Underwriter

Penn, PA · Hybrid

$71K - $140K/yr

As a Commercial Surety Bond Underwriter at The Hartford, your primary role will be to support Commercial Surety line of business strategies by marketing and underwriting business in partnership with ...

Core Specialty

Contract Surety Underwriter

Dallas, TX · Hybrid

Review and evaluate surety bond applications/submissions to determine risk levels and underwriting terms. * Analyze financial statements, work-in-process reports, credit reports, and other relevant ...

Core Specialty

Contract Surety Underwriter

Dallas, TX · On-site

Review and evaluate surety bond applications/submissions to determine risk levels and underwriting terms. * Analyze financial statements, work-in-process reports, credit reports, and other relevant ...

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Surety Bond information

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$26.5K

$77.9K

$136K

How much do surety bond jobs pay per year?

As of Jul 14, 2026, the average yearly pay for surety bond in the United States is $77,935.00, according to ZipRecruiter salary data. Most workers in this role earn between $65,000.00 and $89,000.00 per year, depending on experience, location, and employer.

What is the difference between Surety Bond vs Insurance Agent?

AspectSurety BondInsurance Agent
Required CredentialsLicense in surety bonds, sometimes state-specificInsurance license, state-specific
Work EnvironmentBond underwriting, risk assessment, client consultationSales, client advising, policy management
Industry UsageConstruction, licensing, contractual obligationsHealth, auto, property insurance

While both roles involve financial products and licensing, a Surety Bond professional specializes in providing guarantees for contractual obligations, whereas an Insurance Agent sells insurance policies to protect against risks. Understanding these differences helps clients choose the right service for their needs.

Is surety a good career?

A career as a surety bond professional involves underwriting, risk assessment, and managing bond issuance for clients. It requires knowledge of insurance, finance, and legal principles, often supported by industry certifications. The field offers stable employment opportunities with potential for advancement in insurance and surety companies.

How much does a surety bond underwriter make?

A surety bond underwriter typically earns between $60,000 and $100,000 annually, depending on experience, location, and the size of the company. They evaluate risk and determine bond terms, often requiring knowledge of insurance and financial analysis tools.

How much do you pay on a $50,000 surety bond?

For a $50,000 surety bond, the premium typically ranges from 1% to 15% of the bond amount, depending on the applicant's credit history and the bond type. This means the cost could be between $500 and $7,500. Surety bond agents or providers can offer specific quotes based on individual circumstances.

What are the key skills and qualifications needed to thrive as a Surety Bond Underwriter, and why are they important?

Thriving as a Surety Bond Underwriter requires strong analytical skills, a background in finance or accounting, and often a bachelor’s degree in business or a related field. Familiarity with underwriting software, financial statement analysis tools, and industry-specific risk assessment systems is typically necessary. Exceptional attention to detail, effective communication, and sound judgment help distinguish top performers in this role. These skills are essential for accurately evaluating risk, building client trust, and ensuring the financial stability of both clients and the underwriting company.

What are surety bonds and how do they work?

Surety bonds are legally binding agreements that involve three parties: the principal (the party who needs the bond), the obligee (the party requiring the bond), and the surety (the company that issues the bond). The purpose of a surety bond is to guarantee that the principal will fulfill certain obligations to the obligee. If the principal fails to meet these obligations, the surety will compensate the obligee, up to the bond's limit, and may seek reimbursement from the principal. Surety bonds are commonly used in construction, licensing, and court proceedings to provide financial security and ensure compliance.

What are some common challenges faced by professionals in surety bond roles, and how can they be effectively managed?

Professionals working with surety bonds often encounter challenges such as assessing the creditworthiness of applicants, navigating complex contractual obligations, and keeping up with changing regulations. Effective management of these challenges involves maintaining strong analytical skills, staying updated on industry standards, and fostering clear communication with clients and underwriters. Building relationships with contractors and legal professionals can also provide valuable insights and support in resolving issues quickly and efficiently.

What are the roles in a surety bond?

In a surety bond, the primary roles are the principal, who is responsible for fulfilling the contractual obligation; the surety, which provides the guarantee of performance; and the obligee, who receives the guarantee and enforces the bond's terms. The principal must meet specific requirements and may need to provide collateral or proof of financial stability, while the surety assesses risk before issuing the bond.
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What cities are hiring for Surety Bond jobs? Cities with the most Surety Bond job openings:
What are the most commonly searched types of Surety Bond jobs? The most popular types of Surety Bond jobs are:
What states have the most Surety Bond jobs? States with the most job openings for Surety Bond jobs include:
What job categories do people searching Surety Bond jobs look for? The top searched job categories for Surety Bond jobs are:
Surety Bond jobs near you
Infographic showing various Surety Bond job openings in the United States as of July 2026, with employment types broken down into 73% Full Time, 26% Part Time, and 1% Contract. Highlights an 93% Physical, 1% Hybrid, and 6% Remote job distribution, with an average salary of $77,935 per year, or $37.5 per hour.

Surety Underwriter

Universal Shield Insurance Group

Dublin, OH • On-site

Full-time

Medical, Dental, Vision, Retirement, PTO

Posted 6 days ago

Job description

Our Surety Bond department is seeking a Surety Underwriter with both Commercial and Contract surety to join our expanding team.

By leveraging distribution through our proprietary Agency portal (Bond Ramp), the qualifying candidate will become an integral member of the Surety Team as we continue to expand the platform to incorporate additional underwriting tools for enhanced, efficient risk analysis and decision-making. This member will also lend their experience building LLM’s as we move toward incorporating an artificial intelligence co-pilot to assist in the underwriting process.

This position will also be integral to developing and enhancing underwriting parameters, risk protocols, and best practices for our small-contract surety program. Through the underwriter's experience, agency relationships, and industry contacts, the expectation of this position is to actively grow and diversify our bond catalog — identifying new business opportunities, deepening relationships with existing agents and principals, and expanding the company's presence within this area.

Position requirements include direct communication with Producers, Bond Principals and working with Business Analysts and Developers to build upon product offerings and system capabilities to remove friction and meet consumers' needs. This is an excellent ground-floor opportunity for a self- motivated surety professional looking to apply their underwriting experience to the e-commerce space.

Key responsibilities:
  • Perform surety underwriting tasks regarding new and renewal business.
  • Have a solid understanding of all documents required and produced in relation to surety bond transactions, including bond form covenants, indemnity agreements, legal structure of entities, statutes and insurance regulations.
  • Evaluate and manage risk in accordance with Company underwriting rules.
  • Price, quote, negotiate terms and conditions of new and renewal accounts.
  • Decline and/or cancel bonds, creating appropriate and timely notice to Obligee.
  • Manage diaries and follow-ups for information on accounts.
  • Build new and foster existing relationships with wholesale and retail agencies to grow Surety division premium.
  • Perform other agency and customer management duties; including agency webinars regarding the benefits of the Company and use of our portals.
  • Prepare effective internal and external communications relating to underwriting issues or opportunities.
  • Ability to interact and collaborate with colleagues, agents, and customers in a professional manner.
  • Agency visits, and surety industry and related events as required.

Job Requirements:
  • Minimum 2+ years’ surety experience with an insurance company or surety agency., preferred.
  • Bachelor’s Degree or High School degree with equivalent industry experience.
  • AFSB, CPCU and CIC designations, or currently in pursuit of these or related designations preferred.
  • Proficient in MS Office Software and online eCommerce applications.
  • Ability to communicate effectively with internal and external contacts.
  • Ability to travel as needed.
  • Good organizational and time management skills required.
  • Detail-oriented and able to handle multiple tasks. 

Benefits:
Universal Fire & Casualty Insurance Company offers an industry-competitive benefits package including medical insurance with an HSA, dental insurance, vision coverage, disability insurance, and other lifestyle and family-friendly and work/life balance benefits. We also offer a
company-matched 401K and unlimited PTO. Applicants will receive more information on our full company benefits program. Universal Fire & Casualty Insurance Company is an equal opportunity employer. Discrimination of any kind, including race, color, national origin, sex, sexual orientation, gender identity, religion, age, disability, veteran's status, pregnancy, or on any basis prohibited by federal, state, or local law is not tolerated at Universal Fire & Casualty Insurance Company.