--- title: "North Dakota Public Construction Bonds" description: "Check the public-improvement bond, bid security and contractor-license documents for a North Dakota project." canonical: "https://spot.insure/coverage/surety-bonds/north-dakota" page-type: "coverage-state-guide" updated-at: "2026-10-16" coverage-line: "surety-bonds" state: "north-dakota" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage/surety-bonds/north-dakota) ## Agent Guide **What this page is:** Surety Bonds guide for North Dakota: state requirements, regulator, surplus-lines tax, and providers with state license records. **Use this page when:** Answering surety bonds questions specific to North Dakota. For the general concept, use /coverage/surety-bonds; for other coverage in North Dakota, use /coverage/states/north-dakota. **Questions this page answers:** - Do I need surety bonds in North Dakota? - What are North Dakota's surety bonds requirements? - Who regulates insurance in North Dakota? - Which providers hold North Dakota licenses for surety bonds? **Key facts:** - State regulator: North Dakota Insurance Department. - Reported surplus-lines tax rate: 1.75% - 1 provider listed with North Dakota license records. **Limits (do not over-claim):** - State information reflects the cited sources at their access dates; confirm current requirements with the state regulator. - A provider's presence in the license list does not confirm the product is available in this state; absence does not mean unlicensed. Verify with the regulator's license lookup. - Some license records rely on company-reported information rather than independent regulator verification. - Informational only; does not determine whether a policy meets a specific business's needs. **Provenance:** 15 numbered sources with access dates; updated 2026-10-16. **Related pages:** - [Surety Bonds (national guide)](https://spot.insure/coverage/surety-bonds) — national concept guide - [Business insurance in North Dakota](https://spot.insure/coverage/states/north-dakota) — state hub: regulator and other coverage - [Business insurance by state](https://spot.insure/coverage/states) — all states - [TechInsurance](https://spot.insure/insurance-providers/techinsurance) — provider with state license record # North Dakota Public Construction Bonds For public improvements governed by N.D.C.C. chapter 48-01.2, check the contract bond and bid security separately from contractor licensing. Section 48-01.2-10 generally requires a bond for contracts over $250,000, at least equal to the contract price, before work starts. Project scope and statutory exceptions matter; section 43-07-12 addresses bidder licensing, rather than establishing that bond threshold.[^1][^2] **Coverage:** [Surety bonds](https://spot.insure/coverage/surety-bonds) · [North Dakota](https://spot.insure/coverage/states/north-dakota) ## What Is Surety Bonds? A surety bond guarantees that your business meets a specific obligation to a customer, contracting party or government agency. If a contract, license or permit requires one, get its exact form and amount; a bond is not insurance for your own losses. [Read the national Surety bonds guide](https://spot.insure/coverage/surety-bonds). ## North Dakota Surety Bonds Requirements | Requirement | Details | | --- | --- | | Contract Bond | For qualifying contracts over $250,000, section 48-01.2-10 generally requires a bond of at least the contract price before work begins.[^1] | | Bid Security | Section 48-01.2-05 specifies a bidder’s bond equal to 5% of the bid for advertisements governed by that section.[^1] | ## What Should You Watch for With Surety Bonds in North Dakota? ### Check Which Procurement Law Covers the Project Chapter 48-01.2 excludes certain county-road, state-highway and public-service-commission projects from its public-improvement definition. Ask the owner to identify the governing law before applying its threshold.[^1] ### Keep the Contractor License Separate From the Bond Section 43-07-12 generally requires the current-year license copy in the bid-bond envelope and a license held at least ten days before bids; subsection 2 lists exceptions. Section 43-07-11.1 instead concerns delinquent taxes.[^2] ### Match the Owner’s Required Documents Ask the owner to identify the obligee, required form, submission date and contract amount. Keep the bid bond, contract bond, license copy and tax-clearance evidence as separate checklist items.[^1][^2] ## Who Regulates Insurance in North Dakota? **North Dakota Insurance Department.** The North Dakota Insurance Department regulates insurers and producers, provides licensing and company searches, and investigates insurance complaints to assess compliance with state law and policy terms.[^3][^4][^5] - [Regulator website](https://www.insurance.nd.gov/) - [License lookup](https://www.insurance.nd.gov/producers/print-license) - [File a complaint](https://www.insurance.nd.gov/consumers/complaints) - Phone: 701-328-2440 ### Surplus-Lines Tax and Stamping Office in North Dakota **Reported tax rate:** 1.75% of gross premium, assessments and policy fees, less return premium, when North Dakota is home state When North Dakota is the insured’s home state, the 1.75% tax applies to the entire gross premium, assessments, membership and subscriber fees, and policy or service fees on multistate policies, less return premium. North Dakota permits independent procurement only under separate statutory conditions; the policyholder should confirm whether a licensed broker placement or independent procurement applies. Nonadmitted insurers generally do not participate in state guaranty funds.[^6][^7][^8] ## Which Surety Bonds Providers Have North Dakota License Records? These providers publish a national listing for Surety bonds; the license records below name the licensed entities and roles. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm that the product is available in North Dakota; [check the regulator’s license lookup](https://www.insurance.nd.gov/producers/print-license) and confirm state availability for your business when requesting a quote. - [TechInsurance](https://spot.insure/insurance-providers/techinsurance) — **Entity:** Specialty Program Group LLC; **role:** Insurance producer; **checked:** 2026-09-28. **Covers:** TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map.[^14] **Coverage membership:** TechInsurance arranges surety bonds for small businesses. ## What Should You Ask Before Buying Surety Bonds in North Dakota? 1. Which procurement statute and exceptions apply to our specific project? 2. What bid bond and contract bond forms, amounts and submission dates does the owner require? 3. Which license and tax-clearance documents must be submitted, and at what stage? ## Surety Bonds in North Dakota: Frequently Asked Questions ### Is the North Dakota contractor-license section the public-improvement bond rule? No. Section 43-07-12 addresses bidder licensing. Check section 48-01.2-10 for the bond requirement for qualifying public improvements.[^2][^1] ### What should I send the surety before a North Dakota public bid? Send the solicitation, contract value, required bond forms, bid date and license details. Ask the owner to confirm the applicable statute and required documents.[^2][^1] ## Surety Bonds Guides for Other States - [Alabama](https://spot.insure/coverage/surety-bonds/alabama) - [Alaska](https://spot.insure/coverage/surety-bonds/alaska) - [Arizona](https://spot.insure/coverage/surety-bonds/arizona) - [Arkansas](https://spot.insure/coverage/surety-bonds/arkansas) - [California](https://spot.insure/coverage/surety-bonds/california) - [Colorado](https://spot.insure/coverage/surety-bonds/colorado) - [Connecticut](https://spot.insure/coverage/surety-bonds/connecticut) - [Delaware](https://spot.insure/coverage/surety-bonds/delaware) - [District of Columbia](https://spot.insure/coverage/surety-bonds/district-of-columbia) - [Florida](https://spot.insure/coverage/surety-bonds/florida) - [Georgia](https://spot.insure/coverage/surety-bonds/georgia) - [Hawaii](https://spot.insure/coverage/surety-bonds/hawaii) - [Idaho](https://spot.insure/coverage/surety-bonds/idaho) - [Illinois](https://spot.insure/coverage/surety-bonds/illinois) - [Indiana](https://spot.insure/coverage/surety-bonds/indiana) - [Iowa](https://spot.insure/coverage/surety-bonds/iowa) - [Kansas](https://spot.insure/coverage/surety-bonds/kansas) - [Kentucky](https://spot.insure/coverage/surety-bonds/kentucky) - [Louisiana](https://spot.insure/coverage/surety-bonds/louisiana) - [Maine](https://spot.insure/coverage/surety-bonds/maine) - [Maryland](https://spot.insure/coverage/surety-bonds/maryland) - [Massachusetts](https://spot.insure/coverage/surety-bonds/massachusetts) - [Michigan](https://spot.insure/coverage/surety-bonds/michigan) - [Minnesota](https://spot.insure/coverage/surety-bonds/minnesota) - [Mississippi](https://spot.insure/coverage/surety-bonds/mississippi) - [Missouri](https://spot.insure/coverage/surety-bonds/missouri) - [Montana](https://spot.insure/coverage/surety-bonds/montana) - [Nebraska](https://spot.insure/coverage/surety-bonds/nebraska) - [Nevada](https://spot.insure/coverage/surety-bonds/nevada) - [New Hampshire](https://spot.insure/coverage/surety-bonds/new-hampshire) - [New Jersey](https://spot.insure/coverage/surety-bonds/new-jersey) - [New Mexico](https://spot.insure/coverage/surety-bonds/new-mexico) - [New York](https://spot.insure/coverage/surety-bonds/new-york) - [North Carolina](https://spot.insure/coverage/surety-bonds/north-carolina) - [Ohio](https://spot.insure/coverage/surety-bonds/ohio) - [Oklahoma](https://spot.insure/coverage/surety-bonds/oklahoma) - [Oregon](https://spot.insure/coverage/surety-bonds/oregon) - [Pennsylvania](https://spot.insure/coverage/surety-bonds/pennsylvania) - [Rhode Island](https://spot.insure/coverage/surety-bonds/rhode-island) - [South Carolina](https://spot.insure/coverage/surety-bonds/south-carolina) - [South Dakota](https://spot.insure/coverage/surety-bonds/south-dakota) - [Tennessee](https://spot.insure/coverage/surety-bonds/tennessee) - [Texas](https://spot.insure/coverage/surety-bonds/texas) - [Utah](https://spot.insure/coverage/surety-bonds/utah) - [Vermont](https://spot.insure/coverage/surety-bonds/vermont) - [Virginia](https://spot.insure/coverage/surety-bonds/virginia) - [Washington](https://spot.insure/coverage/surety-bonds/washington) - [West Virginia](https://spot.insure/coverage/surety-bonds/west-virginia) - [Wisconsin](https://spot.insure/coverage/surety-bonds/wisconsin) - [Wyoming](https://spot.insure/coverage/surety-bonds/wyoming) [Other Coverage in North Dakota](https://spot.insure/coverage/states/north-dakota) ## Sources for Surety Bonds in North Dakota [^1]: [N.D.C.C. Chapter 48-01.2: Public Improvement Bids and Contracts](https://ndlegis.gov/cencode/t48c01-2.pdf) — North Dakota Legislative Branch; Sections 48-01.2-01(21), 48-01.2-05 and 48-01.2-10; definitions, bid security and contractor bond. Accessed 2026-10-16. [^2]: [N.D.C.C. Chapter 43-07: Contractors](https://ndlegis.gov/api/cencode/t43c07.pdf) — North Dakota Legislative Branch; Sections 43-07-11.1 and 43-07-12: tax clearance and bidder license requirements, including subsection 2 exceptions. Accessed 2026-10-16. [^3]: [North Dakota Insurance Department](https://www.insurance.nd.gov/) — North Dakota Insurance Department; Official department homepage; identifies regulation of insurance and consumer/business assistance.. Accessed 2026-09-28. [^4]: [Print License / Search for an Agent](https://www.insurance.nd.gov/producers/print-license) — North Dakota Insurance Department; Official licensing page directs the public to current SBS public lookup for agent status, license number, lines and appointments; linked public lookup is up to date.. Accessed 2026-09-28. [^5]: [Complaints](https://www.insurance.nd.gov/consumers/complaints) — North Dakota Insurance Department; Official complaint process; Department reviews compliance with insurance laws and policy coverage; directs online filings to state-specific SBS complaint form.. Accessed 2026-09-28. [^6]: [Surplus Lines](https://www.insurance.nd.gov/producers/other-licenses/surplus-lines) — North Dakota Insurance Department; Current official page: ND home-state rate 1.75% on total premium including assessments and policy fees for multistate coverage; explains home-state allocation and nonadmitted insurer guaranty status.. Accessed 2026-09-28. [^7]: [N.D.C.C. Chapter 26.1-44, Surplus Lines Insurance](https://ndlegis.gov/cencode/t26-1c44.html) — North Dakota Legislative Branch; §26.1-44-03.1 sets 1.75% tax base, home-state rule, fee inclusion, return premiums; §§26.1-44-08 and related provisions cover placements.. Accessed 2026-09-28. [^8]: [Surplus Lines](https://www.insurance.nd.gov/producers/other-licenses/surplus-lines) — North Dakota Insurance Department; Official page states nonadmitted insurers generally do not participate in state-created insurance guaranty funds.. Accessed 2026-09-28. [^9]: [Licenses](https://www.at-bay.com/licenses/) — At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21. [^10]: [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses) — Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535.. Accessed 2026-09-22. [^11]: [Insurance Producer Licenses](https://www.corgi.insure/broker-licenses) — Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown.. Accessed 2026-09-28. [^12]: [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-insurance) — Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16. [^13]: [Licenses](https://www.nextinsurance.com/insurance-licenses/) — ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885.. Accessed 2026-09-28. [^14]: [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) — TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number.. Accessed 2026-09-28. [^15]: [Licenses](https://www.vouch.us/legal/licenses) — Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict.. Accessed 2026-09-15. Updated 2026-10-16. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/coverage/surety-bonds/north-dakota.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)