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Missouri Public Construction Bonds

Missouri requires surety security when public works contracts estimated to exceed $50,000; amount fixed by the public entity. The public-works bond secures labor, materials, insurance premiums, and related claims; the contract also precludes mechanics’ liens on the bonded work.

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.

Missouri Surety Bonds Requirements

Requirement	Details
Public construction security	Public works contracts estimated to exceed $50,000; amount fixed by the public entity. ¹

What Should You Watch for With Surety Bonds in Missouri?

Check the Missouri Contract Trigger
Missouri law triggers public-work security when public works contracts estimated to exceed $50,000. Amount fixed by the public entity Ask the contracting agency to confirm whether your project falls under this rule and to state the bond penal sum in the bid documents. ¹
Missouri Has Another Bond Rule for This Work
The public-works bond secures labor, materials, insurance premiums, and related claims; the contract also precludes mechanics’ liens on the bonded work. Before binding the surety, match the required obligee, bond form, and covered obligation to this separate rule. ²
Match the Solicitation’s Bond Form
The RSMo §107.170 governs this statutory obligation, while the project solicitation identifies the obligee, filing deadline, and any bid-security details. Get the final form approved before the bid date and confirm that the named surety is authorized for Missouri work. ^1,²

Which Surety Bonds Providers Have Missouri License Records?

These providers publish a national listing for Surety bonds; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in Missouri. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

TechInsurance
Specialty Program Group LLC
Insurance producer · checked 2026-09-28
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. ¹⁷
TechInsurance arranges surety bonds for small businesses.

Who Regulates Insurance in Missouri?

Missouri Department of Commerce and Insurance

Missouri DCI licenses insurance producers and insurers, reviews property and casualty rates and forms, and investigates complaints against insurance companies and producers. ^3,^4,^5,⁶

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: 800-726-7390

Surplus-Lines Tax and Stamping Office in Missouri

Reported tax rate. 5% of premium; Missouri taxes the entire gross premium when Missouri is the home state ^7,^8,^9,¹⁰

When Missouri is the insured’s home state, the state applies its 5% surplus-lines tax to the entire gross premium of a multistate policy; the regulator’s FAQ says the tax includes applicable fees. Eligible nonadmitted insurers do not participate in the Missouri Guaranty Fund, and Missouri generally requires the full amount or kind of coverage to be unavailable from admitted insurers before placement; an exempt commercial purchaser search exception has separate disclosure and written-request conditions.

What Should You Ask Before Buying Surety Bonds in Missouri?

Which Missouri statute or procurement rule triggers this bond for our project, and what is the exact penal sum?
Will the obligee accept another form of security, and who must approve that substitution in Missouri?
What notice, filing, and claim deadlines should our subcontractors and suppliers track under this bond?

Surety Bonds in Missouri: Frequently Asked Questions

When does a Missouri public construction project require a surety bond?

Public works contracts estimated to exceed $50,000. Amount fixed by the public entity ¹

Does Missouri have another bond requirement beyond the public construction bond?

Yes. The public-works bond secures labor, materials, insurance premiums, and related claims; the contract also precludes mechanics’ liens on the bonded work. ²

Sources for Surety Bonds in Missouri

RSMo §107.170. RSMo; RSMo §107.170. Accessed 2026-09-29.
RSMo §227.100. RSMo; State highway contracts: bond equal to contract price for completion. Accessed 2026-09-29.
Missouri Department of Commerce and Insurance. Missouri Department of Commerce and Insurance; Official insurance regulator homepage. Accessed 2026-09-28.
Find an Insurance Agent/Agency. Missouri Department of Commerce and Insurance; Official DCI search page says its License & Contact Info search covers licensed agents and agencies; it links to company search. Accessed 2026-09-28.
Insurance Complaints. Missouri Department of Commerce and Insurance; Complaint filing page; says Consumer Affairs investigates complaints against insurers and producers; consumer hotline 800-726-7390. Accessed 2026-09-28.
Insurance Company Rate, Rule and Policy Form Filings. Missouri Department of Commerce and Insurance; Official DCI rate, rule and form filing page; identifies state oversight of insurer product filings. Accessed 2026-09-28.
Surplus Lines FAQs. Missouri Department of Commerce and Insurance; FAQ states 5% of Missouri net premium including applicable fees and eligible surplus-lines companies do not participate in the Guaranty Fund. Accessed 2026-09-28.
RSMo §384.061. Missouri Revisor of Statutes; Subsections 1–2: entire gross premium is taxed when Missouri is home state; Chapter 384 placement regulation applies only when Missouri is home state. Accessed 2026-09-28.
RSMo §384.021. Missouri Revisor of Statutes; Admitted-market availability rule and exempt commercial purchaser due-diligence exception; exception conditions appear in subsection 2. Accessed 2026-09-28.
Surplus Lines FAQs. Missouri Department of Commerce and Insurance; FAQ says eligible surplus-lines insurers do not participate in the Guaranty Fund. Accessed 2026-09-28.
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
Licenses and Carriers. 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.
Insurance Producer 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.
About Hiscox US 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.
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.
The Pie Insurance Company — Company Details. Missouri Department of Commerce and Insurance; Company name: THE PIE INSURANCE COMPANY; status Active; NAIC 21857; license B424258; Property and Casualty; date admitted 1999-07-07. The page has no expiry/renewal field. Accessed 2026-09-28. Accessed 2026-09-28.
Insurance Licenses by State. 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.
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.