Not in Kentucky? Public official bonds in other states

Kentucky public official bonds.
From $100.

Many Kentucky elected and appointed officials must post a bond guaranteeing the honest and faithful performance of their duties before taking office. The amount is set by the statute that governs your specific office, and the bond is approved locally — pricing is 0.35% of the bond amount, $100 minimum, calculated for you below.

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Required under KRS Chapter 62 and the statute for your specific office, before you take office
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Amount is set by the office — a sheriff’s general bond, for example, is a minimum of $10,000 under KRS 70.020 — confirm your figure with the fiscal court or appointing authority
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A quick soft credit check may apply — never a hard inquiry, no impact on your score — your price is 0.35% of the bond amount, $100 minimum
0.35%of the bond amount$100 minminimum premiumSoft pullnever affects your score
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How it works

Three steps to bonded before you take office.

A public official bond is one of the simpler surety filings — enter your amount, consent to a soft pull, and file with whoever approves the bond. Here is the whole thing:

TODAY · ONLINE

Apply online

Your details, the office and obligee, the bond amount your office requires, and the effective date — plus a one-time consent to a soft credit pull.

RIGHT AWAY

Approved

Most are approved as soon as you apply. The credit check is a soft pull that never affects your score. If it needs a second look, one to two business days at most.

WHEN YOU PAY

File with the fiscal court or appointing authority

Pay online and receive the executed bond, ready to be approved and recorded with the county clerk or appointing authority. Wet-ink originals mailed whenever they insist.

About this bond

What it is and who needs it.

What the public official bond actually guarantees

A public official bond is a faithful-performance guarantee. It promises that an elected or appointed official will honestly and faithfully perform the duties of the office and honestly account for all public money entrusted to them. Kentucky’s general oath-and-bond provisions live in KRS Chapter 62, and the bond amount for a given office is set by the statute that governs that office.

Different offices carry different requirements. A sheriff, for example, must execute a general bond of at least $10,000 under KRS 70.020, in addition to the tax-collection bond required by KRS 134.230. Other officials who handle public funds are bonded under their own statutes. Because the figures vary, the application lets you enter the amount your office requires.

The bond protects the public — if an official misuses public funds or fails to perform official duties, the harmed party (often the county or the Commonwealth) can recover against the bond. It is not insurance for the official — if the surety pays a claim, the official repays the surety.

KRS Chapter 62 (oaths and bonds)Kentucky’s oath-and-bond provisions are in KRS Chapter 62, with the required bond amount for a given office set by the statute that governs that office (for example, KRS 70.020 sets a sheriff’s general bond at a minimum of $10,000, separate from the KRS 134.230 tax bond). The bond is typically approved by the fiscal court or appointing authority and recorded with the county clerk. Confirm your required amount with that authority.

You need this bond if you are

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An elected county official whose office requires a faithful-performance bond before you take office
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An appointed official or employee who handles public funds and must be bonded under your office’s statute
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Renewing for a new term and posting a fresh bond for the term ahead
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A deputy or fiduciary required to bond for the honest handling of public money

One application, soft pull only.

These are the actual underwriting fields, including a one-time consent to a soft credit pull. Submit once and the executed bond is issued when you pay.

Start the application →
FAQ

Common questions.

How much is the Kentucky public official bond?Pricing is 0.35% of the bond amount, with a $100 minimum. The bond amount itself is set by the statute that governs your specific office — for example, a sheriff’s general bond is a minimum of $10,000 under KRS 70.020. Enter the figure your office requires and apply to see your exact price.
How do I find out my required bond amount?It is set by the statute governing your office and confirmed by the fiscal court or appointing authority that approves the bond. If you’re not sure, ask that authority for the exact figure, or send us your office and county and we’ll help you pin it down.
Is there a credit check?A quick soft credit check may apply as part of approval — never a hard inquiry, no impact on your score. Your price is set by the bond amount: 0.35%, $100 minimum.
What does the bond guarantee?The honest and faithful performance of the duties of the office, and the honest accounting of public money entrusted to the official. If an official violates that duty and someone is harmed, they can claim against the bond — and if the surety pays, the official repays the surety.
Who approves and records the bond?Typically the fiscal court or appointing authority approves it, and it is recorded with the county clerk. We issue the executed bond ready for that approval and recording.
Which A-rated carriers underwrite these bonds?Typically Arch Insurance Company (A.M. Best A+) or Nationwide Mutual Insurance Company (A.M. Best A). Which one writes your bond depends on the bond type and your state. The carrier's name and official signature are printed on the bond you receive.
How do I contact Light RFP about this bond?Email insurance@lightrfp.com. It reaches the bond team at Light RFP Risk Management Services LLC (NY DFS License # PC-1978982). Write to us about quotes, applications, bond forms or certificates. We will respond within 24 hours.
Related bonds

Other Kentucky bonds.

Public official bond, sorted today.

Priced at 0.35% of the bond amount, $100 minimum, one soft pull that never affects your score. Enter the amount your office requires and file before you take office.

Your premiumfrom $100
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