Do I Need a Surety Bond in Colorado?
The answer depends on the license, permit, court order, or contract that applies to your work.
There is no single bond required for every Colorado business. A requirement normally comes from a specific license, permit, court matter, public or private contract, or regulated activity.
Check the controlling authority
For a state-regulated occupation, use the current application and rules from the responsible Colorado agency. For local work, check the city or county. For construction, read the bid and contract documents. For court bonds, follow the court's order and approved form.
Questions to answer before applying
Who is the obligee? What bond form is required? What is the bond amount? Does the legal name match the license or contract? Is the bond continuous or for a fixed term? How must it be filed?
If the requirement is unclear
Ask the agency or contract owner to identify the current written requirement. An agent can help place the bond, but should not invent the legal or contractual obligation.
Before you purchase a bond
- Get the current written requirement or bond form.
- Confirm the obligee, principal name, amount, term, and filing method.
- Keep proof that the bond was accepted.
Need help placing the correct bond? Call 970-204-4553.
Official sources
- U.S. Small Business Administration, Surety bonds
- City of Fort Collins, contractor license application procedures
- City of Loveland, contractor licensing
- City of Greeley, Building Inspection
Source review completed August 28, 2026. Requirements can change. Confirm the current form, amount, and filing instructions with the agency, court, or contract owner that requires the bond.