You are required to get a bond because it guarantees you will fulfill your obligations. It’s protection for the public, not you.
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msb surety bond
With surety bonds, the obligee will determine whether a bond is required. Bond requirements vary greatly by your occupation and location.
Fidelity bonds are insurance and are usually optional to obtain. However, they are sometimes required along with a surety bond to operate legally.
If you’re required to get a surety bond, it’s to guarantee that you will operate professionally (there are hundreds of different bonds used for many purposes). If you break the rules, a claim can be made on your bond which you’re responsible to pay.