California Contractor License Bonds: Essential Protection & Legal Compliance
A California contractor license bond is required by the Contractors State License Board as a condition of holding a valid contractor license. It guarantees you'll comply with California's contracting law and protects consumers if work goes unfinished or suppliers go unpaid.
- Required by CSLB as a condition of holding a valid California contractor license
- Protects consumers and guarantees contractor compliance with state contracting law
- Must be maintained continuously throughout your license period and renewed with license cycles
- Bonding available across multiple carriers, with rates based on your license type and contract value
If you hold a California contractor license or are applying for one, you already know the Contractors State License Board requires a surety bond before you can legally perform contract work. What many contractors don't fully understand is what that bond actually does, why it costs what it does, or how to keep it in force so your license doesn't get suspended. A contractor license bond is a form of surety bond that guarantees you'll comply with all applicable laws and regulations governing California contractors, complete the work you're contracted to do, and pay any suppliers, workers, or other parties whose materials or labor you use in the job. It's fundamentally different from general liability insurance, workers compensation, or any other coverage you carry — it's a license requirement, not optional protection.
The bond protects consumers far more than it protects you. If a consumer files a complaint with the CSLB or brings a claim against your bond, the surety (the bonding company) investigates and pays any valid claim up to the bond limit, then comes back to you for reimbursement. That creates accountability: knowing a bond backs your work and you're personally liable if you don't perform creates a powerful incentive to do the job right and deal fairly with clients, suppliers, and workers. This system has existed in California since the Contractors State License Board was created, and it remains one of the primary consumer protections against fraud, incomplete work, or contractor abandonment of projects.
California's contracting market includes sole proprietors with single-person crews, specialty contractors with crews of twenty, and large commercial general contractors bidding multimillion-dollar projects. Regardless of business size or contract value, every contractor license in the state requires a bond before the license is active. The amount of the bond — typically between one and three million dollars depending on license type — is set by CSLB regulation, and the cost of obtaining and maintaining that bond is one of the operating expenses every licensed contractor must budget for. For some contractors, especially newer entrants or those with prior claims or disciplinary history, getting bonded is straightforward; for others, it requires shopping multiple carriers or working with a specialist who understands the bonding underwriting environment.
This guide walks through what a contractor license bond is, who specifically needs to obtain and maintain one, what it covers and what it doesn't, how the bonding process works through an independent agency like Covered By Us, common risks and gaps contractors encounter, California's specific bonding regulations, what affects the cost of a bond, and answers to the questions contractors most often ask. Whether you're newly licensed, renewing an existing license, or reinstating a lapsed one, understanding contractor license bonds ensures you stay compliant, protect your license, and avoid surprises when renewal time comes around.
Who Needs a Contractor License Bond
A contractor license bond is required by California law for anyone holding an active contractor license from the Contractors State License Board. Here are the specific contractor profiles for whom bonding is essential:
Newly Licensed Contractors
When you first apply for a California contractor license, the CSLB requires proof that you've obtained a bond before issuing your license. Many new contractors underestimate how long the bonding process takes and assume they can get bonded after applying for their license — underestimating by even a few weeks delays license issuance. Working with a bonding specialist weeks before your planned license application ensures your bond is in place before the CSLB reviews your application, letting your license activate immediately when approved.
Contractors Renewing an Existing License
If you hold an active contractor license, you'll need to renew your bond every time your license renews — typically every four years in California, though specialty and C-20 contractors have different renewal cycles. Your bond and license renewal dates should align, and renewal notifications should come both from the CSLB and from your bonding agent. Many contractors are shocked to discover at renewal time that their current bonding company has raised rates or exited their market segment, requiring a hunt for a new carrier. Planning a renewal shop three months before your renewal date prevents last-minute scrambling.
Contractors Reinstating a Lapsed License
If your contractor license has lapsed because your bond expired or wasn't renewed, reinstating it requires a new bond application and CSLB processing of the reinstatement request. A lapsed license creates a gap in your ability to legally perform contract work, and a gap longer than a few months can trigger CSLB questions or disciplinary scrutiny. Contractors whose licenses have lapsed also face tougher underwriting from bonding companies, as carriers interpret a lapsed license as a sign of financial or operational stress. Getting reinstated quickly requires quick action on the bonding side.
Contractors Adding a New License Classification
As your contracting business expands, you may apply for an additional license classification — an electrician licensing as both a general contractor and a limited specialty contractor, or an existing general contractor adding a B license classification. Each new license classification requires its own bond or a bond rider adding that classification to an existing bond. The bonding process for adding a classification can take two to four weeks depending on underwriting complexity, so planning ahead prevents a gap between when you pass the exam and when you can legally work under the new classification.
Contractors with Prior Claims or Disciplinary History
If you've had a prior claim paid against your bond or faced CSLB discipline, renewal or new-license bonding becomes more complex. Some carriers will decline you; others will renew at significantly higher rates; a few specialize in contractors with prior history. Working with a bonding agent who knows which carriers accept contractors with claims or discipline ensures you're not just getting denied but are actively shopping carriers who will take the risk.
Contractors Seeking to Increase Contract Value Capacity
The CSLB sets minimum bond limits by license type, but contractors bidding larger projects sometimes want to carry higher bonds to signal financial responsibility or meet client requirements. A higher bond means a higher premium, but it can unlock project opportunities that require bonded contractors with substantial limits. Shopping for a bond increase requires underwriting review of current financials and claims history, and can take several weeks to complete.
What Contractor License Bonds Cover
Guarantees Compliance with California Contracting Law
The bond guarantees you'll comply with all applicable California contracting statutes, CSLB regulations, and local building and contracting ordinances. If you violate contracting law — failing to provide a required contract, misrepresenting qualifications, or operating outside your license scope — a consumer can file a complaint with the CSLB and potentially pursue a claim against your bond. Compliance with law is the core protection the bond provides; the financial backup is secondary.
Protects Consumers if Work Is Unfinished or Abandoned
If you start a job and don't complete it, or if a consumer can show you failed to perform work according to contract terms, the bond compensates the consumer for losses. This might include costs to hire another contractor to finish the work, costs to remediate defective work, or direct losses the consumer suffered from the breach. The bond doesn't guarantee perfect workmanship — most bonded claims arise from failure to perform, abandonment, or failure to pay suppliers, not from minor quality disputes.
Covers Failure to Pay Workers, Suppliers, and Vendors
If you don't pay subcontractors, material suppliers, or workers, they can file a claim against your bond for unpaid invoices. This is one of the most common categories of bond claims — a contractor takes a job, sources materials, hires subs, but runs short on cash and doesn't pay his vendors. The bond compensates suppliers, and the surety comes back to you for reimbursement. This protection prevents suppliers and workers from having to sue the contractor's personal assets to recover.
Protects Against Fraud or Misrepresentation
If you misrepresent your qualifications, license status, or ability to perform the work, a consumer who hired you based on that misrepresentation can file a bond claim. A contractor who claimed to be licensed for plumbing work but wasn't, or who misrepresented experience with a specific building system, can trigger a bond claim if the consumer suffers losses as a result. The bond is the consumer's direct recourse without having to pursue a lawsuit against the contractor personally.
Required Continuously Throughout License Period
Your contractor license bond must be maintained continuously from the date your license becomes active until the date it expires or is suspended. A gap of even a few days technically violates CSLB regulations and can result in license suspension. If your bond lapses and you continue to perform contract work, you're operating without a license, which is illegal. The continuous requirement means renewal must happen before your current bond expires, not after.
Renews with License Cycle
In California, most contractor licenses renew every four years; certain specialty licenses have different cycles. Your bond must be renewed before your license renewal date. The CSLB will check for active bond coverage before issuing your renewed license, and if your bond has lapsed, your renewal will be delayed or denied. Timing your bond renewal to align with your license renewal prevents administrative gaps and ensures continuous compliance.
Responds to CSLB Complaints and Regulatory Actions
If the CSLB receives a consumer complaint against you and determines you owe the consumer restitution, the bond can be called to pay that claim. The CSLB doesn't directly manage bond claims, but consumers can pursue bond claims through small claims court, civil court, or CSLB administrative processes. The bond response is the same regardless of the forum: valid claims are paid, and the surety seeks reimbursement from you.
Covers Contract Value and Project Scope
The bond limit you carry should align with the size of contracts you typically bid. A contractor with a million-dollar license limit working on five-thousand-dollar jobs is appropriately bonded, but as contract values grow, your bond limit should grow with them. Most bonds set a single limit per occurrence; if you bid a contract larger than your bond limit, you need to increase your bond before starting work or decline the project.
Backing for Public Entity Contracts
Many public agencies and municipalities require contractors bidding public works projects to post performance bonds and payment bonds in addition to their license bond. The license bond is separate but some surety companies will use one bond to serve multiple purposes, while others require separate instruments. If you're bidding public works, clarify with your bonding agent whether your license bond alone is sufficient or if you need project-specific performance and payment bonds.
Available Through Multiple Carriers
Contractor license bonds are offered by surety companies that specialize in this product. Rates vary by carrier, and some specialize in certain license types (electricians, plumbers, general contractors) or have tighter underwriting for contractors with prior claims. Shopping multiple carriers ensures you get the best rate and most favorable underwriting for your specific situation. Working with an independent agent who places bonds with multiple surities is far more effective than approaching a single carrier directly.
How to Get Bonded Through Covered By Us
Getting a contractor license bond involves more than just applying directly to a surety company. Working with an independent bonding agent ensures you shop multiple carriers, understand your options, and get bonded efficiently. Here's how the process works:
Provide Your Contractor License Details
We'll need your contractor license number (or your pending application if you're applying for the first time), your license class and classification, your license status, and your current license expiration date. If you're renewing an existing bond, we'll gather your prior bonding information so we can reference it with carriers. If you're a new contractor, we'll ask about your background, your business structure, and your experience in the trade — information carriers need to underwrite your application.
Discuss Your Contract Volume and Project Scope
Let us know the typical size of contracts you bid, your largest projects in the past three years, whether you work on residential, commercial, or public projects, and whether you bid jobs locally or statewide. This information helps us determine whether your current bond limit is appropriate or whether you need a higher limit. A contractor bidding twenty-thousand-dollar residential remodels needs different bonding than one building commercial tenant improvements. We'll discuss your business growth plans so your bond doesn't become a constraint.
Review Your Financial and Claims History
Bonding carriers underwrite based on business financials and prior claims or disciplinary history. We'll discuss your business structure, ownership, financial condition, and whether you've ever had a bond claim, CSLB discipline, or regulatory action. You don't need pristine financials to get bonded, but carriers need accurate information. If you have prior claims or discipline, we'll shop carriers who specialize in contractors with history rather than going to the carriers most likely to decline.
Obtain Quotes from Multiple Carriers
We place your application with three to five surety companies that specialize in contractor license bonds. Each carrier provides a quote showing the annual or renewal premium, the proposed bond limit, any special conditions or requirements, and the effective date if approved. You'll see different rates because carriers price based on their own underwriting criteria and risk appetite. Comparing quotes side by side shows you where you're getting the best value and allows you to make an informed decision based on price, carrier reputation, and underwriting terms.
Complete the Bond Application
Once you've selected a carrier, you'll complete their surety bond application. This is typically a multi-page form requesting detailed business information: your license number, business structure, ownership details, years in business, prior claims, financial information, and references. Be thorough and honest — misrepresenting information on a bond application can result in coverage denial or cancellation if discovered. Your agent reviews your completed application before submission to ensure accuracy and catch any issues before the underwriter sees it.
Underwriting and Carrier Decision
The surety company reviews your application, verifies your license status with the CSLB, and may contact prior clients or references. Underwriting typically takes five to ten business days, though it can be faster for straightforward renewals. The carrier will either approve your application as submitted, approve with conditions (such as a higher deductible or special endorsements), or decline. If approved, the carrier issues a bond certificate and provides you with premium payment options.
Pay Premium and Activate Bond
Once approved, you'll pay the bond premium — either as an annual payment, a four-year renewal payment if you're renewing, or monthly installments if the carrier offers a payment plan. The carrier issues your bond certificate showing your name, license number, bond amount, effective date, and expiration date. This certificate is your proof that you're bonded and should be kept accessible for reference or presentation to clients and the CSLB.
File Bond with CSLB If Required and Plan Renewal
For new licenses, the CSLB may require you to file proof of bonding as part of your license application. We provide you with the certificate and documentation needed for CSLB filing. Once your license is active, we'll set a renewal reminder for three to four months before your bond expires. Beginning the renewal process early ensures your new bond is in place before the old one lapses, maintaining continuous coverage and compliance with CSLB regulations.
Common Risks & Gaps for California Contractors
Understanding the risks contractors face helps you avoid costly mistakes and keep your license and bonding in good standing.
License Suspension if Bond Lapses
If your bond expires and you don't renew it before the expiration date, your contractor license is automatically suspended. You cannot legally perform contract work under a suspended license, and performing work while suspended is a violation of contracting law that can result in fines, penalties, or permanent license revocation. Renewal must happen before the lapse, not after. Setting calendar reminders at six months and three months before your bond renewal date ensures you never miss the deadline.
Difficulty Obtaining Coverage After a Prior Bond Claim
If your bond has been tapped for a claim, renewal becomes harder and more expensive. Carriers view prior claims as evidence of operational or ethical risk, and some will decline to renew you at any price. Others will renew but at materially higher rates. A single claim can increase your premium by 50-100% or more. This creates a powerful incentive to manage projects carefully and avoid the situations — non-payment, abandoned work, or scope disputes — that trigger bond claims most often.
Underestimating Time Needed for New License Bonding
Many new contractors assume they can apply for a license and get bonded immediately, only to discover the bonding process takes two to four weeks even in the best case. New-license applicants with clean history and strong financials can sometimes get bonded in one week, but underwriting takes time. If you're planning to launch your contracting business, begin the bonding process six to eight weeks before your planned license application to avoid delays.
Assuming General Liability Substitutes for License Bond
General liability insurance and contractor license bonds serve different purposes and neither substitutes for the other. General liability covers accidental injury or property damage during your work; the license bond covers failure to perform, failure to pay, or fraud. CSLB regulations require the license bond specifically. Carrying only general liability insurance while operating without a bond leaves you non-compliant and personally liable for CSLB action.
Operating Without a Bond After License Lapse
If your license becomes suspended due to bond lapse and you continue to work as a contractor, you're operating illegally. Consumers can refuse to pay you or file complaints with the CSLB. The CSLB can levy substantial fines. In some cases, prosecutors have pursued criminal charges against contractors operating without a license. The moment your bond lapses, your license is no longer valid, and you cannot take new contracts or continue existing work.
Not Shopping Rates at Renewal
Many contractors renew their bond with the same carrier year after year without shopping. Carriers adjust rates annually based on underwriting, and competition in your market segment can shift. A carrier who was competitive five years ago may no longer be. Shopping your renewal with at least two to three carriers every four years can reveal significant savings or better coverage terms. The effort of shopping typically takes a week but can save hundreds or thousands of dollars over your license period.
Underestimating Bond Cost in Project Budgeting
Some contractors view the bond premium as a cost that appears once every four years and forget to factor it into their annual operating budget. While bonds are renewed every four years, you should amortize the cost across all jobs you perform in that period so it's properly reflected in your project pricing. Forgetting to account for bond cost means lower profitability on every job. Calculate your annual bonding cost and build it into your overhead allocation.
Failure to Report Changes to Bonding Company
If your business structure changes, your ownership changes, your financial condition materially worsens, or you face legal or regulatory action, you should notify your bonding company. Many bond applications require you to disclose any material change in circumstances, and failure to disclose can trigger policy cancellation or claim denial if a problem arises. Keeping your surety informed prevents surprises at renewal or claim time.
California Contractor License Bond Requirements
California's Contractors State License Board has regulated contractor license bonds since the Board's creation in 1929. The CSLB is the agency responsible for issuing, renewing, and suspending contractor licenses in California, and bond requirements are set by California's Business and Professions Code and the CSLB's administrative regulations. The CSLB requires every contractor holding an active license to maintain a surety bond issued by an approved surety company, continuously throughout the license period. The bond amount is set by CSLB rule and depends on the contractor's license class and classification. For most general contractors (A-license holders), the minimum bond is one million dollars. For specialty contractors, the minimum is typically five hundred thousand to one million dollars depending on classification. These minimums exist to ensure consumers have adequate financial recourse if a contractor violates the law or fails to perform.
California's regulatory framework requires that surety bonds be issued by companies approved by the California Department of Insurance. Not every bonding company can write California contractor license bonds — only those that meet the state's financial and underwriting standards can participate. This regulatory requirement exists to ensure that if a bond is called, there's a solvent company behind it to pay claims. When you work with an independent bonding agent, that agent verifies that any carrier they place you with is approved by the state before running your application. The CSLB itself doesn't issue bonds or approve specific carriers — it simply requires that you carry a bond from an approved surety, and holds you responsible for maintaining that bond continuously.
Bond renewal and reinstatement follow specific timelines set by CSLB regulation. Your bond must remain in effect continuously from the date your license becomes active until the date your license expires or is suspended. You cannot have a gap in bonding coverage. If your bond lapses even by one day, your license is suspended, and you become non-compliant with CSLB regulations. Renewal of your bond should happen before your current bond expires, and if your license has lapsed due to bond lapse, reinstatement requires a new bond application and CSLB processing of the reinstatement. The CSLB's annual renewal cycle is fixed on the anniversary of your license issuance, so plan your bond renewal to align with your license renewal to avoid confusion or administrative gaps.
Bond Amount Set by CSLB Rule
The CSLB sets minimum bond amounts by license class and classification. A-license (general contractor) minimum is typically one million dollars. B-license (specialty contractor) minimums vary by specialty but are often five hundred thousand to one million dollars. The CSLB publishes these minimums in its administrative regulations, and you can verify your required bond amount through the CSLB website or by asking your licensing examiner. You can carry a bond higher than the minimum if you choose — some contractors do to signal financial strength or meet client requirements — but you cannot carry less than the CSLB minimum.
Continuous Bonding Requirement
Your contractor license bond must be in effect continuously from the date your license is active. There cannot be a gap in bonding coverage, even for a single day. If your bond expires and you don't renew it before expiration, your license is automatically suspended by CSLB rule. You cannot legally perform contract work under a suspended license. The continuous requirement is strict: renewal must happen before the lapse, not after. Many contractors miss renewal deadlines and don't realize their license is suspended until they try to bid a new job.
Surety Company Must Be California-Approved
Only surety companies approved by the California Department of Insurance can write California contractor license bonds. Approval ensures the company is financially solvent and meets California's standards for bonding capacity. When you get bonded, verify that your surety is on the California Department of Insurance's approved list. Working with an independent agent ensures this verification happens automatically — we don't place bonds with unapproved surities.
Bond Certificate Must Be Available for CSLB Verification
You should keep your bond certificate accessible and be able to provide proof of current bonding to the CSLB upon request. During license renewal, the CSLB will check your bonding status before issuing your renewed license. If you cannot demonstrate active bonding, your renewal will be delayed or denied. Keep your bond certificate in a safe place, make a digital copy, and provide a copy to your bonding agent who can re-issue it if the original is lost.
Reinstatement of Lapsed License Requires New Bond
If your contractor license has lapsed due to bond lapse or for any other reason, reinstating it requires a new bond application and CSLB processing. A lapsed license creates regulatory questions and may trigger heightened underwriting from bonding companies. If your license has been inactive for more than a few months, the CSLB may require updated continuing education or other reinstatement conditions. Getting reinstated quickly requires prompt action on bonding and responding to any CSLB reinstatement requirements.
What Affects Your Contractor License Bond Cost
- License class and classification — general contractors (A-license) typically pay different rates than specialty contractors, and different specialties (electrical, plumbing, HVAC) have different underwriting and pricing within the specialty contractor market
- Bond limit you're carrying — a five-hundred-thousand-dollar bond costs less than a one-million-dollar or two-million-dollar bond from the same carrier; higher limits directly increase premium
- Your years in business and track record — newly licensed contractors typically pay higher rates than established contractors with multiple years of successful operation; extensive track record can earn meaningful rate reductions
- Prior bond claims or CSLB discipline — a single prior claim can increase your premium by fifty to one hundred percent; prior discipline or regulatory action makes renewal more difficult and expensive with most carriers
- Business financial condition — carriers underwrite based on your business financials, revenue, and balance sheet; contractors with strong revenue and minimal debt typically get better rates than those with thin margins or financial stress
- Type of work and contract value — contractors working on high-value projects typically pay different rates than those on smaller jobs; some carriers specialize in residential contractors, others in commercial or industrial work
- Geographic area and carrier competition — rates vary by region because some carriers have stronger presence in certain areas; rural contractors sometimes face limited carrier options compared to urban contractors with multiple carriers competing
- Payment method and term — paying annually typically costs less than paying monthly; four-year renewal terms often have lower annual cost than renewing year by year, though the upfront cost is higher
- Carrier appetite and underwriting criteria — different surety companies have different risk appetites and underwriting standards; a carrier who declined you three years ago may now have appetite for your profile, requiring periodic re-shopping even if you're happy with your current carrier
Contractor License Bond Terminology
Understanding these key terms helps you navigate bonding conversations and documents with confidence:
- Surety Bond
- A three-party agreement between you (the principal), the surety company (the bond issuer), and the obligee (the entity requiring the bond — in this case, the CSLB). The surety guarantees you'll perform your obligations; if you don't, the surety can pay claims against the bond and then pursue reimbursement from you. Surety bonds are distinct from insurance; they're a form of credit that backs your performance.
- Principal
- The contractor — you — who applies for and is bonded under the surety bond. The principal is ultimately liable for any claims paid against the bond and responsible for reimbursing the surety for claims.
- Obligee
- The entity requiring the bond — in the case of a contractor license bond, the Contractors State License Board. The obligee sets the terms of the bond and is the party who benefits from the bonding requirement.
- Bond Limit or Penal Sum
- The maximum amount the surety will pay under the bond. California contractor license bonds typically have limits of five hundred thousand to three million dollars depending on license class. The bond limit should align with the size of contracts you typically bid; if a contract exceeds your bond limit, the bond cannot back the full contract value.
- Premium
- The amount you pay the surety for the bond, typically quoted as an annual rate or a one-time cost for the bond term. Most California contractor license bonds are renewed every four years, so the premium cost covers that period. Premium is based on the bond limit, your underwriting profile, and carrier pricing.
- Indemnity Agreement
- A contract you sign when applying for a surety bond that obligates you to reimburse the surety for any claims paid on your behalf. When you sign an indemnity agreement, you're committing that you'll repay the bonding company for any bond claim they pay, whether the claim is valid or fraudulent. This creates personal liability.
- Underwriting
- The process the surety company uses to evaluate your application and determine whether to approve or deny your bond request. Underwriting typically involves reviewing your financials, business history, prior claims, CSLB history, and references. Underwriting takes five to ten business days in most cases.
- CSLB
- The Contractors State License Board, the California state agency that issues and regulates contractor licenses. The CSLB sets bonding requirements, enforces contractor law, and processes complaints and disciplinary actions against contractors. Every contractor holding a California license operates under CSLB jurisdiction.
Why Covered By Us for Your Contractor License Bond
We're an independent bonding agent based in Pomona, serving contractors throughout California — from the Inland Empire to statewide licensing. Because we're independent, we place bonds with multiple surety companies and can shop your application to find the best rate and terms for your profile. A contractor approaching a single carrier directly gets one quote; a contractor working with us gets quotes from three to five carriers, revealing meaningful rate differences and underwriting variations. We understand the bonding market for every contractor license class and specialty, and we know which carriers are actively pricing contractors in your space and which have tightened underwriting or exited the market.
We guide you through the entire bonding process from start to finish. We explain what you're buying, why the premium costs what it does, what happens if you file a claim, and what you need to do to keep your bond in force and your license compliant. For new contractors, we help time your bonding application so your bond is in place when your license application reaches the CSLB. For existing contractors renewing, we begin the renewal process several months early to avoid rush situations. For contractors whose bonds have lapsed or who faced prior claims, we shop carriers who specialize in contractors with history rather than going to the carriers most likely to decline. We've placed thousands of bonds for California contractors, and we know how to navigate the underwriting process efficiently.
When you work with Covered By Us, you're working with someone who understands not just bonding but also the other insurance California contractors need — general liability, workers compensation, equipment coverage, and commercial property. We can bundle your bonding with your other coverages, potentially saving you money on a multi-policy discount and ensuring you're not missing any coverage gaps. We're here before you license, during your active years, and when renewal time comes around. Call 909-278-7053 or start your quote online — let's get you bonded quickly and keep your license in good standing.
Frequently Asked Questions
Is a contractor license bond the same as general liability insurance?
How much does a contractor license bond cost?
How long does it take to get bonded?
What happens if my bond lapses?
What if I had a prior bond claim — can I still get bonded?
Can I get a higher bond limit than the CSLB minimum?
What information do I need to apply for a contractor license bond?
Do I need a separate bond for public works projects?
When should I start the bonding process for a new license?
What's the difference between a new-license bond and a renewal bond?
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