Arizona Collection Agency Bond

Arizona requires a collection agency bond to collect debts. The size is based on your business. You file it with the Arizona DIFI. It is a standard license step.

Bond Amount
$10,000–$35,000
Typical Premium
$100–$1,750/yr
Term
1 Year
Required By
AZ Dept. of Insurance and Financial Institutions (DIFI)
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What Is the Arizona Collection Agency Bond?

Think of the Arizona collection agency bond as a promise to follow the rules. Break a collection law, and they can claim against the bond. The surety collects from you after.

How much bond you need in Arizona:

Who Needs This Bond in Arizona?

How to Get Bonded — Step by Step

  1. Start your license application.
  2. Buy your collection agency bond here. We match you with a strong surety.
  3. Send the bond to the Arizona DIFI.
  4. Once approved, get licensed and start collecting.

Renewal & Continuous Bond Coverage

Plan to renew your Arizona collection license every year. Do not let the bond lapse. A gap can suspend your license.

Frequently Asked Questions

How is the Arizona bond amount set?

By your prior-year Arizona collections, from $10,000 up to $35,000.

Does the Arizona bond protect me?

No. The bond protects your customers and the state, not you. If a claim is paid, you pay the surety back. It is not insurance for you.

How fast can I get bonded in Arizona?

We shop several sureties for you, often within a day. Many bonds are issued the same day for good credit.

How much does the bond cost?

You pay a yearly premium — a small percent of the bond amount. Good credit means a lower rate.

How a Surety Bond Works

A collection agency bond is a type of surety bond. The picture below shows the three parties and what happens if someone files a claim.

Diagram of how a surety bond works: the obligee requires the bond, the principal applies and signs an indemnity agreement, and the surety issues the bond; if the principal fails, the obligee files a claim, the surety investigates and may pay, and the principal reimburses the surety.

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Related: All Arizona surety bonds · What is a surety bond? · How surety bond costs are calculated

Underwriting Disclosure. All surety bond applications are subject to underwriting review and approval by the issuing surety company. Quoted premiums are estimates only; final pricing is determined by individual underwriting factors, which may include personal and business credit history, financial statements, industry experience, and claims history. Many bonds qualify for instant online approval, while others may require additional documentation, financial review, or indemnitor signatures prior to issuance. SuretyBondly makes no representation, warranty, or guarantee of approval, eligibility, premium amount, bond form, or issuance timing. Bond amounts, forms, and requirements are governed by the applicable obligee and statutory authority and may change without notice. Information provided on this page is for general informational purposes only and does not constitute legal, financial, or tax advice.