Surety Bonds in Ohio – Business Bonds & CNA Surety Solutions

Surety Bonds in Ohio are essential for contractors, business owners, healthcare providers, real estate investors, and individuals who need fast and dependable bond solutions. At Graziano & Lorince Insurance, we provide the full range of CNA Surety bonds—including contractor bonds, license & permit bonds, healthcare bonds, commercial bonds, fidelity bonds, and court/probate bonds.

To see all our business insurance services, visit our Business Insurance Overview.

What Is a Surety Bond?

A surety bond is a three-party agreement between:

  • Principal – You or your business
  • Obligee – The entity requiring the bond (state, city, court, project owner, etc.)
  • Surety – CNA Surety, who guarantees your performance or compliance

Unlike insurance, which protects you, a surety bond protects the other party if you fail to meet a requirement. For full commercial protection, you may also want to review your Business Insurance to ensure your policies align with your bond obligations.

Types of Surety Bonds We Offer

Because we’re appointed with CNA Surety, we can provide all major categories of surety bonds in Ohio, including:

Contractor & Construction Bonds

  • Bid Bonds
  • Performance Bonds
  • Payment Bonds
  • Maintenance Bonds
  • Site Improvement Bonds

If you are a contractor, you may also need Contractor Insurance alongside your required bonds.

Commercial Bonds

  • License & Permit Bonds
  • Utility Deposit Bonds
  • Financial Guarantee Bonds
  • Sales Tax & Fuel Tax Bonds
  • Wage & Welfare Bonds

Many licensed professionals also carry General Liability or BOP coverage in addition to their required bonds.

Healthcare Bonds

  • Home Health Care License Bonds
  • Medical Provider Bonds
  • Medicaid / Medicare Compliance Bonds
  • Healthcare Staffing Bonds
  • DME Supplier Bonds

Healthcare organizations often combine bonds with Business Insurance or Commercial Auto coverage (for mobile healthcare services).

Fidelity Bonds

  • Employee Dishonesty Bonds
  • ERISA Bonds (retirement plan protection)
  • Business Service Bonds

Court & Probate Bonds

  • Executor / Administrator Bonds
  • Guardianship Bonds
  • Injunction & Appeal Bonds
  • Replevin / Attachment Bonds

Miscellaneous Bonds

  • Notary Bonds
  • Lost Title Bonds
  • Public Official Bonds
  • Custom or uncommon bonds—if CNA sells it, we can quote it

Surety bond paperwork representing business, court, and compliance bonds in Ohio

If you hold a professional license, you may also need Professional Liability Insurance.

Who Needs a Surety Bond?

You may be required to carry a bond if:

  • You are applying for or renewing a business license
  • You are a contractor bidding on a job
  • You operate a healthcare agency or medical service requiring compliance bonds
  • A government agency has requested a bond for compliance
  • You are working on a project requiring performance guarantees
  • You are involved in probate, estate, or court proceedings
  • You handle client funds or employee benefit plans

For broader coverage needs, our Business Insurance Overview explains how liability and property coverage work alongside bonds.

How the Bond Process Works

  1. Provide your bond requirement (form, letter, or description).
  2. We match you with the correct CNA Surety bond based on your industry and obligation.
  3. Apply—many bonds require only a short application; some require a credit check.
  4. Get approved—many bonds can be issued same day.

Need help choosing a bond or reviewing coverage? Visit our Contact Page to request guidance.

Why Choose Graziano & Lorince for Surety Bonds in Ohio?

  • Direct appointment with CNA Surety for maximum bond availability
  • Fast turnaround—many simple bonds issued the same day
  • Local expertise serving Ohio since 1964
  • Competitive pricing and multiple bond options
  • Friendly, personal guidance with clear explanations

Frequently Asked Questions

How much does a surety bond cost?

Small license and permit bonds typically cost $100–$250 per year.
Contractor and commercial bonds vary based on amount, risk, and underwriting requirements.

How fast can I get a bond?

Many bonds can be issued the same day. Larger or more complex bonds may require additional information and underwriting.

What information do I need?

Most bonds require:

  • A completed bond form or requirement
  • Your business information
  • A short application
  • Credit authorization (for some bonds)

Request a Surety Bond Quote

Need a Surety Bond in Ohio? We’re here to help.

Call 330-748-0987 or text 330-554-2394
Email John Here.

Or visit our contact page to upload your bond form or requirement document.

Graziano & Lorince Insurance — your trusted local source for CNA Surety bonds in Ohio since 1964.