We are here to help with all of your bonding requirements.

We are Bernard Fleischer & Sons Inc., a trusted bonding company since 1949 and active in 49 states. Experienced agents, quick online applications, and competitively priced quotes.

Court bonds are written in connection with a legal proceeding. A plaintiff or defendant may need to provide a surety bond to protect the other party for loss due to a judge’s decision made prior to final judgment.

These bonds renew yearly until the litigation officially ends. The most common types are Probate, Fiduciary, and Judicial Bonds.

Visit our website at to learn more

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Essential license & permit SURETY bonds

License and permit bonds are types of commercial surety bonds that are required for many who wish to conduct business. As it happens, there are a wide range of industries that require license and permit bonds, including various business models. Those planning to start certain businesses require a license and permit bond first. Before exploring further options, there are several essential license and permit bond realities that future and current businesses should know.

Motor Vehicle Dealers are required to obtain a license & permit bond.


The purpose of license and permit bonds issued by our agency are to protect the consumer. They are a guarantee that business practitioners will follow rules and regulations. In a way, it’s a kind of insurance in case a business breaks the rules and fails at honoring their commitments. In which case, someone can file a claim to the government agency responsible for the specific industry, then that claim is paid by the bond and the surety company then requires the business to pay back the claim. Each industry has a set of federal and/or local laws that regulate how business is conducted. 

There are many different types of license & permit bonds

Here are a few common industry-specific types of license and permit bonds that our agency writes:

  • Retail Laundry/Laundromat Bond
  • Secondhand Dealer Bond
  • Employment Agency Bond
  • Adjuster Bond
  • Motor Vehicle Dealer Bond

In general, there are dozens of industry-specific license and permit bonds. When applying for one it’s best to check with the state authority (Typically your local Department of Consumer Affairs) to be sure you are applying for the right bond.

Employment agencies require a license & permit bond in many states.

Other license & permit bonds facts you should be aware of

Essentially, License & Permit Bonds are different for each industry. If your business has more than one branch, you will have to apply for each one separately. That means you don’t have the permission to conduct a multi-industry type of business unless you have permits for each of them. Also, if you transfer your entire business to a new location, you could operate with your permits if it’s within the same state. If you are transferring to another state, you will probably need to obtain a different license.

How much does a license & permit bond cost?

The amount of money you see on bonds might look unrealistically high. However, the amount of money you need to pay is actually just a small part of that sum. In reality, that fraction or percentage depends on various factors. One of them, and probably the most important one, is the credit score of the applicant. For example, if you need to obtain a $30,000 bond for your profession, you don’t really need to pay the whole sum. Based on your credit score it can be as low as 1%, or $300. Assuming you have a bad credit score, you will probably need to pay a higher amount. Our agency performs a soft-pull credit check for the bonds that require it, which will not affect the score of the principal.

You don’t need a perfect credit score to get a License and Permit Bond

Normally, you can get a License and Permit Bond even if you don’t have a great credit score. A few mistakes in the past don’t automatically disqualify you from getting permits. But, as we pointed out, you might need to pay a higher amount. 

Additionally, several factors can be important when applying:

  • Previous and pending lawsuits
  • Your past work experience
  • Bankruptcy filings
  • Status of previous bonds

License and Permit Bonds do not protect the business

To protect your business, you will need insurance because License and Permit Bonds do not protect you. Generally speaking, License and Permit Bonds protect other individuals, clients, and/or customers. In a way, they are a type of insurance for others that you are capable of getting the job done and that you are following laws and regulations. In a case where your business fails to act in accordance, the client can make a claim against the bond. This is the sole purpose of License and Permit Bonds. Protecting others if something goes wrong that is your fault, including failing to complete the job you were hired for.

Insurance is completely different from License and Permit Bonds

Unfortunately, there is a common misconception where people confuse License and Permit Bonds with insurance. They are not the same, not even close. While License and Permit Bonds protect consumers, they do not protect the business. 

To protect your business, you will need insurance.

In short, to be insured means your business has passed the evaluation of an insurance company and is approved for their insurance policy. In the same way, a License means your business meets all the requirements for operating, while Bonded means you are evaluated by a surety company and your business qualifies for bonding coverage.

License & permit bonds are a necessary parts of many businesses. With them, you get the approval to do business in a specific industry. In essence, you are evaluated as a professional capable of conducting and completing class-specific jobs. And, they serve as assurance that you will obey state laws and regulations regarding the business operations.

Other license and permit bond facts you should be aware of

Essentially, license and permit bonds are different for each industry. If your business has more than one location, you will have to apply for each one separately. Sophia P


So, you want to be a guardian? Here’s what you need to know.

To watch your loved one lose the ability to take care of oneself is immensely painful.  In some cases, your loved one may need a guardian to manage his or her affairs.  This article will give you an understanding of the process of applying for guardianship under Article 81 of the Mental Hygiene Law.

            First, how do you end up in Article 81 proceedings?  In some cases, a facility such as a nursing home or hospital will file a petition in court asking for a guardian to be appointed.  This may arise where they need someone to file a Medicaid application so that medical bills can be paid, and the person who is being cared for does not have that ability due to mental or physical issues.  In some of the sadder cases, the facility may file for the appointment of a guardian because care staff believes that the patient or resident needs to be protected from relatives, spouses, etc. who are interfering with medical treatment and/or engaging in financial abuse.

            Additionally, people’s loved ones can file for guardianship.  Those loved ones can include: (1) anyone who has a right to the property of the person if the person passes away, (2) the executor of an estate where the person is or may be the beneficiary, (3) a trustee of a trust where the person controls the trust or is the trust’s beneficiary, (4) the person with whom the person lives, or (5) any other person concerned with the person’s welfare.  People’s spouses and adult children often apply for guardianship.  People may file because they want to make medical decisions on behalf of the relatives, to handle their assets, to protect their assets for purposes of estate planning, or to consent to settlement of a lawsuit on behalf of the loved one (e.g., worker’s compensation, medical malpractice).

            Unless someone else (like a nursing facility or hospital) has already asked the court to appoint a guardian, you will have to file an order to show cause and petition.  The person who you want to be guardian for is called the alleged incapacitated person (AIP). 

Your papers will have to detail which powers you are asking the court to grant you, the reasons why you believe that the person cannot handle his or her own affairs, why you believe that you should be appointed as guardian, and the assets that you will have to marshal (get control of).  One unpleasant aspect is that the papers will have to be given to the AIP.

            The court will appoint a court evaluator, and may also appoint an attorney to represent the AIP.  The court evaluator’s job will be to make recommendations to the judge and tell the judge which assets the AIP has.  The court evaluator will have a position about whether the AIP is incapacitated, or unable to manage his or her own personal needs and/or property.  If the court evaluator finds that the AIP is incapacitated, then the evaluator will also make recommendations about who should be appointed as guardian.  The court evaluator will speak to the AIP, to you, to the social worker if the AIP is in a facility and any other friends or relatives who have significant knowledge about the AIP.  Because the court evaluator will need to know about the AIP’s assets, it will be helpful for you to have copies of items like Social Security statements, pension statements, bank statements, mortgage statements, and brokerage account statements available for the court evaluator to inspect.   If there is significant debt, then you should also have copies of items like credit card statements available.

            Ultimately, there will be a hearing before the judge.  Before the hearing, the judge will likely speak with the attorneys and the court evaluator to determine whether it would be in the AIP’s best interests to attend the hearing at all and if it is, whether it would be more comfortable for the AIP to attend remotely.  You will testify about topics which include, but are not limited to, the history (when and how the AIP became incapacitated), why you are asking to be appointed as guardian, your relationship to the AIP, and the AIP’s financial condition.  The court evaluator will also testify about his or her investigation.  There may also be other witnesses, like a social worker from a care facility, and any other individuals, like other relatives, who want to make their voices heard.

            The judge may ask questions of you, like whether you understand that you will have to take a course, whether you have been convicted of a felony, and whether you understand that you have to submit annual accountings.  We will get to the first and third issues later.

            If the judge appoints you (or anyone) as guardian, then the judge will also appoint a court examiner. 

            You will have to take a course on guardianships, and you can get information about your options from the Guardianship Clerk in the courthouse.  If there are significant assets, the court will also order you to obtain a bond.  Once you have taken the course and obtained the bond, then you will obtain your commission, which will officially give you powers as a guardian.

            The court evaluator, and the attorney for the AIP, will be awarded fees, which will be paid from the AIP’s assets.  If the assets are insufficient to pay the fees, then the court will likely order the person who filed the petition (whether it be you or a facility) to pay anything that is left over.

Once you obtain your commission, the court examiner will give you a due date for your ninety-day report, which will require you to present proof that you completed the course, provide information about what you are doing as guardian, and also list the assets of the incapacitated person.

After a guardian is appointed, then the assets of the incapacitated person will be under the supervision of the court examiner and the court.  It is critical that you keep detailed records of every expense, including but not limited to bank statements, copies of checks, rent stubs, and receipts.  Every May, you will have to submit an annual accounting, which includes records of every deposit, and every debit, made on behalf of the incapacitated person.  You will have to send the accounting to the court examiner with copies of bank statements, checks, and receipts for any significant purchases.  Additionally, you will have to file it with the court.  Whenever you want to make a significant expense for the incapacitated person, you will need to submit an application to the court examiner, who will recommend to the judge whether or not to approve it.  Those expenses will need to be approved by the judge.

Being a guardian is not easy, and it can be tedious.  However, always remember that you are making a huge difference in your ward’s life, by protecting his or her ability to thrive in spite of disability!

Joseph H. Nivin, Esq. is the owner of The Law Offices of Joseph H. Nivin, P.C. a firm with locations in Forest Hills, Queens, and midtown Manhattan.  The firm handles family and matrimonial law cases, Article 81 guardianships, immigration, foreclosure defense, landlord-tenant law, and bankruptcy proceedings.  You can find more information at

Apply for your Guardianship Bond by clicking the link below or call us at 800-921-1008 to speak to a representative today.

Contractors: Release Your Mechanics Lien with a bond

U.S. mechanics lien filings have risen significantly since the COVID-19 pandemic shut down all but the most essential projects in many states, according to notice and lien service provider Levelset.

just as in the Great Recession, which took hold approximately 12 years ago, more contractors are taking advantage of the legal tools available to them in order to secure payment in an uncertain time. It is likely, that once contractors avail themselves of their legal rights in pursuit of payment, they will continue to do so long after the pandemic has passed. ​

A lien release bond may be required to remove existing liens from a property. This should only be considered an option if it is believed by the property owner that the lien either has already been satisfied or should not be on the property. The surety bond allows for the lien to be removed from the property and instead attached to the surety bond.

A release of lien bond creates a financial guarantee for lien holders with valid liens and makes courts feel more comfortable about removing a lien from a property. It’s a sign of accountability for property owners who need to prove that they’re trustworthy.

When applying, the following information should be included for faster bonding.

1) A completed court bond application – Will provide basic information of the bond being requested, as well as information on the principal requesting the bond.

2) Copy of the mechanic’s lien – A copy of the mechanic’s lien can be uploaded in the online application and will provide information about the amount of the lien and the parties claiming that payment is still due.

Call us at 800.921.1008 to speak with a professional regarding your specific situation or apply below for a quick turnaround on your Mechanic’s Lien Release Bond.

Require Surety Bonds?

Bernard Fleischer & Sons Inc. is here for you as we continue to stay connected and move forward as a united industry. Let’s meet this moment together, AS ONE! 

As we recover from the COVID-19 crisis and the states begin to reopen, we want you to know that Bernard Fleischer and Sons, Inc. / has the capacity to handle any surety bond you may have in 48 states across the USA.

What does this mean exactly?… We are positioned to aggressively quote your surety business and give you more resources to work with while putting more commission money in your pocket!

We have been a Surety Bond focused agency for over 50 years and there is no bond too big or too small for us to handle. We can write any size surety bond required, for many different credit profiles, good and bad. We invite you to take advantage of our experience and dedication to our work.

We encourage you to click the link below to visit us. Your trusted bonding resource.

We look forward to being able to be of service. 
Best regards,
William Fleischer, CIC
Bernard Fleischer and Sons Inc. / 

Moving Companies: insured, bonded, and licensed?

While searching for a moving company, it is crucial to find a reputable and reliable group of professionals. And in that search, it is not always easy to recognize what the right choice is. Myriad business owners will make the claim of legitimacy and expertise, but how does one separate true quality from all of the fakes? Plenty of moving companies will claim to be insured, bonded, and licensed. But does this oft-repeated phrase actually mean something? We’ll delve into that right here. 


What does a “licensed” moving company actually entail? When you want to find a reputable company to handle your move, you want one that has the legal right to conduct business in your local area. In other words – a moving company with the appropriate business license. With that in mind, a truly legal moving company will have a license number to display. 

Take a look at the company’s business cards, trucks, advertising, and website. If there is no license number on display, that might mean the company does not actually have one. Also, if you know their license number, you can search for the company online and see if there are any outstanding complaints made by consumers against them; as you’ll see later on, this is important. 


One of the most important aspects of a reputable moving business is whether it is bonded. Considering that, you should avoid any kind of moving business that operates without a moving and storage bond. Most often, this is a type of surety bond that will ensure there is no possibility of theft by the movers who will be handling your office space or home relocation. 

If a moving company is bonded, that means they’ve set aside funds with a bonding company like BF Bond in case there is ever a situation where a customer makes a claim against them. This is a good way of recognizing a legitimate business, seeing as the money in question isn’t controlled by the business itself, but by an external and entirely separate bonding company. 

Number of Complaints

As we can surmise from above, bonding and licensing are definitely traits you should look for in a legal and legitimate moving business. But these legalities aside, it is also important to examine the experiences other customers have had with the company’s services. Using the license number of the company, try to see if there are complaints against them at the FMCSA. 

This is particularly true for interstate relocations; the FMCSA website has a search engine that leads to specific moving-related complaints. You can see the entire history of FMCSA complaints against a company – hopefully, there won’t be any. 

Barring this, seeing what you can find on the Better Business Bureau website is also not a bad idea. This website contains information on both interstate and intrastate movers. And the BBB is definitely an impartial judge, as they are a non-profit entity looking to showcase trustworthy companies for all consumers to see. If the moving company you are thinking of hiring has a BBB accreditation, that is definitely a good sign. 

Moving Reviews

In the process of picking a moving company you can trust, it’s not all about looking at officially filed complaints. A large majority of people won’t go to the trouble of registering their grievances officially. More often than not, they will simply leave an angry review online. With that in mind, you should search the Internet for more customer experiences. For obvious reasons, the reviews section on the company’s website isn’t a good starting place; the moving company is not likely to post any bad reviews of their work.

Instead, look at websites like Yelp or other review aggregates, that are more likely to contain legitimately written reviews and the objective truth. However, even these places may contain some paid-for positive reviews; be on the lookout for fakes when you try to recognize bonded moving companies.

Apart from the digital world of reviews, there is still something to be said for word of mouth. Feel free to ask your family, friends, and neighbors for their experiences, opinions, and recommendations. 

The Moving Estimate

Before you enlist the services of a moving company, you should know that the way it performs an estimate of your household is a great indicator of their professionalism. Before providing you with a quote, every respectable moving company will make an in-person visit and inspection, or at least request a video survey. 

If a company simply offers you a quote right away, through the Internet or over the phone, this is definitely a red flag for a moving scam. A bonded moving company has “skin in the game” via the funds they’ve invested in their bonding, meaning they won’t risk working purely based on your own assessment of the household goods. This is a good rule of thumb – any moving company giving you quotes without their own first-hand account is not to be trusted. 

Also, once the inspection is completed – your movers should provide you with an estimate (along with potential additional charges) in writing. That leaves no room for unwelcome surprises down the line. 


All of the factors we have mentioned until now are important – but they are also technicalities. When hiring a moving company, consumers should also resort to their common sense. After all, there are telltale signs that separate a legitimate, bonded moving company from a malicious or untrustworthy one. For instance, do they have their own business email address and an actual office? Do they belong to a renowned van line? Do their movers have uniforms, and do they use professional moving trucks? Does the estimate seem to be too affordable to be real? Your own gut feeling is important when you’re about to do business with someone as well. 

Get Your Motor Vehicle Dealer Bond Online

Does your business sell cars? At this time of crisis, we are here to help you get back to business. Applying for a Motor Vehicle Dealer Bond is easy, as we’ve simplified the application process for you. You can apply, get approved, and have your bond quickly, often the same day! All done remotely from your smartphone, tablet, or computer.

Most US states require a surety bond as a condition of licensing for automotive dealers. Motor vehicle dealer bonds guarantee a licensed motor vehicle dealership will comply with state regulations. Dealer bonds are required to protect consumers from fraud and other wrongful actions committed by dealerships and their employees. The bond’s exact protection will depend on state and/or local laws.

Motor vehicle dealer bond requirements can include motorcycle dealers, mobile home dealers, car dealers, and others. There could be different requirements for new and used vehicle dealers. Some states require a bond for each dealer location.

If you would like to speak with a live customer service representative to walk you through the process of applying and getting approved for a Motor Vehicle Dealer bond today, call us at 1.800.921.1008 or email with any questions. We are here to help.

Administrator Bonds

At this critical time, many families will be affected in many ways by the COVID-19 outbreak across the country. One of those ways will be the loss of a loved one and the requirement for estate administration via the court system. This usually requires an Administration surety bond ordered by the court.

As Investopedia writes, “An administration bond is a bond that is posted on behalf of the administrator of an estate to provide assurance that they will conduct their duties according to the provisions of the will and/or the legal requirements of the jurisdiction.”

But it is much more than that. Facing the loss of a loved one can be difficult. Receiving and accepting the job of an Administrator implies a high level of responsibility to be taken on and can add to the stress and difficulty of dealing with that loss.

We are committed to helping ease that strain by making the bonding process easier to understand, navigate and achieve.

Your bond can be processed in as little as a day (sometimes faster, depending upon the complexity of your situation) and does not require trips to an office location. It can be done securely online with

We can assist you with all types of probate bonds: Administrator, Executor, Conservator, Guardian, and Trustee Bonds. Click below to apply today.

Surety Bonding for Contractors

One way for a construction contracting company to ensure access to critical relationships needed for sound business advice and for qualifying for surety credit is to partner with a professional surety bond producer, according to experts at the National Association of Surety Bond Producers (NASBP).

Most contractors know that surety bonds help establish their credentials, demonstrating their ability to perform through performance and payment bonds. However, they may not realize the full value of building a relationship with an experienced bond producer like / Bernard Fleischer & Sons Inc.

We help guide companies through the process of achieving surety credit and act in many capacities – mentors, educators, advisors – with construction firms to ensure that they mature and remain successful. Check out our Surety Bond Primer below:

A surety bond is a legally binding contract that makes sure three parties carry out their obligations: the surety company, obligee, and principal. The surety company is the one that provides assurance to the owner (obligee) that the contractor (principal) will carry out a contract. Being in the contracting business comes with many tasks one of which is being bonded. Bonding requires a contractor to know requirements of a project, type of bond and the amount involved. As a contractor, you should know that having a surety bond is not the same as securing insurance. A surety bond is meant to cushion the obligee against a shoddy or unfinished job. Below are tips that will assist you to get bonded as a contractor and make the process of getting bonded efficiently:

Understand how surety bonds work

Know the difference between insurance and surety bonds. Insurance protects your business but bonds don’t. A surety bond is an additional security feature for a client. There are three main types of bonds:

Bid bond

This a bond that guarantees a bid has been proposed with good intentions and the contractor will carry out stated obligations at the bidding price.

Performance bond

This is a surety bond that cushions the owner against financial loss in case the contractor fails to carry out the contract as specified in the terms and conditions.

Payment bond

This is a bond that guarantees that the contractor will meet expenses for paying a given cadre of workers, subcontractors, and suppliers of equipment.

Be acquainted with bond pricing

The prices of surety bonds are based on a percentage of the total value of the bond that is required. The bond premiums vary according to the type of bond, size, and duration. The variation is from 0.5% to 10%.

Partner with a credible surety agency

When you work with a credible agency like / Bernard Fleischer & Sons Inc. (Check out our Google Reviews!) you will get a bond that is affordable and fits into your job requirements. We take the time to research surety options available to you and help you decide what’s best for your unique situation.

Learn more at or call us at 800.921.1008

5 Star Service for License & Permit Surety Bonds with

Are you starting a business or do you own an established business that requires a license from your local Department of Consumer Affairs or State Government? Does that license require you to get a Surety Bond?

We get lots of first time clients that are unaware of what surety bonds are, and how to properly obtain one, and many established businesses that come to us unhappy with their current bond providers. We love educating our customers and giving them the right tools to create or maintain a successful business when it comes to Surety Bonding.

Surety Bonds are sometimes required by a municipality or other public body as a condition to granting a license or permit to engage in a specified activity, this bond guarantees that the party seeking the license or permit (the obligor) will comply with applicable laws or regulations. These bonds can also be structured to provide indemnity guarantees to third parties who sustain injury or damage as a result of the obligor’s activities as described in the license or permit when such a guarantee is required. For example, businesses that hang signs over public sidewalks may be required to provide indemnity guarantees for injuries to pedestrians.

We at / Bernard Fleischer & Sons Inc. take pride in our stellar customer service. (Don’t take our word for it, check our ratings on Google HERE) We will walk you through the process step by step and get you bonded fast, with great rates. If the bond you require needs to be renewed, our renewal process is effortless when the time comes.

The NYC Department of Consumer Affairs  recommends / Bernard Fleischer & Sons Inc. (Formerly Advanced Insurance Services) as a Surety Bonding agency for your consideration, but we also provide surety bonds nationwide! Join our client family and see what the great reviews are all about.

Call 800-921-1008, apply online at and live chat with us or visit our office at 29 Broadway, Suite 1511 New York, NY 10006 directly across the street from the Department of Consumer Affairs’ offices.