Nebraska · Surety Bond Resource Center

Nebraska surety bonds

Nebraska’s published statewide license bonds in this hub sit with the Motor Vehicle Industry Licensing Board, the Department of Banking and Finance, the Secretary of State, and the Department of Insurance. Motor vehicle, trailer, and motorcycle dealers post a fifty-thousand-dollar bond under Neb. Rev. Stat. §60-1419; auction dealers post at least one hundred thousand dollars. Mortgage bankers start at one hundred thousand dollars and step to one hundred twenty-five, one hundred fifty, or two hundred thousand dollars by prior-year Nebraska closed or serviced volume under §45-724. Money transmitters size the bond at the greater of one hundred thousand dollars or one hundred percent of average daily Nebraska liability, capped at five hundred thousand dollars, under §8-2731. Collection agencies bond at five, ten, or fifteen thousand dollars by solicitor count under §45-608. Credit services organizations file a one-hundred-thousand-dollar bond or surety account under §45-805. Notaries post a fifteen-thousand-dollar bond under §64-102. Title insurance agents who handle escrow keep at least one hundred thousand dollars of coverage under §44-19,109. Public adjusters carry a twenty-thousand-dollar bond under §44-9212. Nebraska does not require a statewide general-contractor license bond.

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Nebraska at a glance

Motor vehicle / trailer / motorcycle dealer: $50,000
Mortgage banker: $100,000–$200,000
Money transmitter: $100,000–$500,000
Collection agency: $5,000 / $10,000 / $15,000
Credit services organization: $100,000
Notary public: $15,000
Title escrow / public adjuster: $100,000 / $20,000

How it works in this state

How Nebraska bonding is organized

How Nebraska organizes these bonds

Dealer and auction bonds file with the Motor Vehicle Industry Licensing Board on Attorney General–prescribed forms signed by a Nebraska registered agent. Mortgage bankers and money transmitters license through the Department of Banking and Finance on NMLS and file electronic bonds sized by statute. Collection agencies and credit services organizations bond to the Secretary of State under separate articles of chapter 45—solicitor-count tiers for collectors and a flat one-hundred-thousand-dollar instrument for CSOs. Notary bonds also lodge with the Secretary of State before a general commission takes effect. Title escrow coverage and public-adjuster bonds file with the Department of Insurance.

What this hub does not treat as statewide license bonds

Nebraska’s Contractor Registration Act requires statewide registration with the Department of Labor but does not require a statewide contractor license bond. Electrical contractor licensing through the State Electrical Division likewise does not carry a published statewide license bond. City and county contractor bonds, nonresident contractor tax deposits, project bid/performance/payment bonds, and court bonds remain outside this commercial-core set.

Nebraska bond directory

Find your bond requirement

These guides cover license and permit bonds with verified educational content. Your agency notice or application checklist is always the final authority.

BondAgencyCommon amountHow you file

Who sets the requirement?

Nebraska licensing agencies

Each agency below sets its own bond requirement. Open the related guide for amounts and filing steps.

Nebraska Motor Vehicle Industry Licensing Board

Licenses motor vehicle, trailer, motorcycle, and auction dealers and receives §60-1419 bonds.

Open related guide →

Nebraska Department of Banking and Finance — Mortgage

Licenses mortgage bankers under the Residential Mortgage Licensing Act and receives §45-724 bonds via NMLS.

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Nebraska Department of Banking and Finance — Money transmission

Licenses money transmitters and receives §8-2731 security.

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Secretary of State — Collection Agency Licensing Board

Licenses collection agencies and receives §45-608 solicitor-tier bonds.

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Secretary of State — Credit services organizations

Registers CSOs and receives the $100,000 §45-805 bond or surety-account notice.

Open related guide →

Secretary of State — Notary Public

Commissions notaries and receives the $15,000 §64-102 bond.

Open related guide →

Nebraska Department of Insurance — Title / public adjusters

Licenses title insurance agents and public adjusters and receives escrow and public-adjuster bonds.

Open related guide →

Before you apply

Confirm these details from the agency notice

Bring these five items when you request a bond. For the full checklist, see how to read a bond requirement.

1
Match the MVILB license class to the correct dealer amount
Combination, trailer-only, and motorcycle-only dealer licenses use the $50,000 bond. Auction dealer licenses use the $100,000 bond. A Nebraska registered agent must sign the Attorney General form.
2
Recalculate the mortgage banker amount from Nebraska volume
After the mortgage report of condition, §45-724 steps from $100,000 to $200,000 based on prior-calendar-year closed or serviced Nebraska residential mortgage loans. Increase within thirty days if NDBF finds the filed amount too low.
3
Do not expect a statewide contractor license bond
Department of Labor contractor registration and State Electrical Division licensing do not publish statewide license bonds. Confirm any city or county bond where you work.

Learn more about surety bonds

Universal surety concepts explained once—linked here instead of repeated on every state or bond page.

Frequently asked questions

Does Nebraska require a statewide contractor license bond?

No. Contractors register with the Nebraska Department of Labor under the Contractor Registration Act, and that registration does not require a statewide surety bond. Local municipalities may impose their own license bonds. Electrical contractors license through the State Electrical Division without a published statewide license bond.

Do Nebraska auction dealers use the same bond as retail dealers?

No. Section 60-1419 and the Motor Vehicle Industry Licensing Board set $50,000 for motor vehicle, trailer, and motorcycle dealer licenses and not less than $100,000 for motor vehicle auction dealer licenses.

Can a Nebraska CSO use a bank account instead of a surety bond?

Yes. Section 45-805 allows either a $100,000 surety bond filed with the Secretary of State or a $100,000 surety account at a federally insured Nebraska bank or savings and loan, with depository notice filed with the Secretary of State.

Start your Nebraska bond application

Nebraska will be preselected in the application. Choose the bond type on the next step—we verify the current agency form before anything is issued.

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Last verified 2026-08-11. Official sources are retained with this guide and checked before publication.

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