Overview
ZipBonds is a digital surety bond broker and technology platform founded by Zach Mefferd and Ryan Swalve in 2021. The company was born out of frustration with the overly complicated process of placing surety bonds and the inability to incorporate modern technology into the workflow. ZipBonds is hyper-focused on all types of surety, providing quick and secure access to thousands of commercial and contract bond options from leading national and regional surety carriers.
The company operates under Coverage Direct Holdings, a West Des Moines-based parent company. ZipBonds serves individual clients, insurance agents, attorneys, and financial professionals nationwide across all 50 U.S. states. Their all-digital platform removes the friction of filling out long complicated applications and waiting hours or days for responses, with most bonds approved and processed immediately from the site.
ZipBonds has grown rapidly since launch, exceeding their target of 2x their 2022 production by October 2023. The company expanded through the acquisition of Coverage Direct Surety Bonds in Fort Worth, Texas in April 2023, and does zero paid advertising, relying instead on content marketing through blogs, videos, and referrals.
Products & Services
ZipConnect Platform
ZipBonds' core digital platform for online surety bond issuance. Consumers and professionals can search for bonds, complete applications, pay, and receive their bond immediately through a streamlined digital workflow.
Key Features
- Instant bond approval and issuance for most bond types
- Access to 7,000+ surety bond options
- Soft credit pull (insurance purposes) when credit check is required
- Support for standard, nonstandard, and SBA bond options
Target Users: Consumers, contractors, business owners, attorneys, financial professionals
ZipBonds for Agents
A full-service agent platform designed to help insurance agencies add surety bonds to their product offerings without requiring in-house surety expertise.
Key Features
- Free white-labeled hyperlink branded to the agency within 1-2 business days
- No premium commitment requirements or contracts
- Full-service surety team available by phone or email
- Access to top A-rated national and regional surety companies
- Agent portal for purchasing bonds and accessing past orders
Target Users: Insurance agents and agencies
Bond Categories
ZipBonds offers thousands of bond types across five major categories:
Key Features
- License & Permit Bonds - Freight broker bonds, title bonds, contractor license bonds, and more
- Construction Bonds - Bid bonds, performance bonds, payment bonds
- Court Bonds - Probate bonds, executor bonds, guardianship bonds
- Fidelity Bonds - Business services bonds, employee dishonesty bonds
- Miscellaneous Bonds - Various specialty bond types
Target Users: All customer segments
At a Glance
- Founded
- 2021
- Headquarters
- West Des Moines, Iowa
- Employees
- 11-50
- Funding
- Bootstrapped
Category & Focus
- Category
- Distribution & Sales
- Subcategories
- Digital storefronts quote-to-bind embedded insurance
- Insurance Verticals
- P&C Commercial Specialty/E&S
- Target Customers
- Consumers, Agents/Agencies, Brokers
Customers
- Construction companies
- Attorneys
- Insurance agents
- Financial planners
- Business owners across various industries
Links
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Last updated: 2026-03-25