ShariaSurety connects Muslim contractors, professionals, executors and businesses to halal surety bonds — underwritten on the Islamic principles of kafalah (guarantorship) and takaful (mutual cooperation). Every bond we place is structured to remove riba, gharar and maysir from the financial relationship.
The classical Islamic contract of guarantorship — recognized by Hanafi, Maliki, Shafi'i, Hanbali and Ja'fari schools. The surety becomes the kafil, responsible alongside the principal.
— II —
Modeled on takaful
التكافل
Mutual cooperation rather than speculative risk-transfer. Participants share obligation collectively, replacing the gambling-adjacent logic of conventional insurance with brotherhood and shared protection.
— III —
Free of the three prohibitions
بلا ربا، بلا غرر، بلا ميسر
No riba (interest), no gharar (excessive uncertainty), no maysir (speculation or gambling). Every contract is structured from the ground up to honor the three.
Why this exists
You shouldn't have to choose between your license and your deen.
لا ينبغي أن تختار بين رخصتك ودينك
Across the United States, observant Muslims are routinely required to post surety bonds — for construction projects, court proceedings, professional licenses, executor duties, freight brokerage, motor vehicle dealerships, and dozens of other regulated activities. Conventional bonds are riddled with riba and gharar. Until now, the choice has been to either reluctantly accept impurity or forfeit the work entirely. ShariaSurety closes that gap.
Faith-aligned by design, not retrofit
Conventional surety carriers occasionally label products "compliant" without restructuring the underlying contract. Our bonds are written on kafalah architecture from inception — not conventional bonds with the word "halal" pasted on top.
Same-day decisions for routine bonds
Notary, license, motor vehicle dealer, and most bonds under $50,000 are issued the same business day. We don't make piety more expensive by making it slower — observance and operational speed are not in conflict.
The full surety catalog, halal
Bid bonds, performance bonds, payment bonds, probate bonds, fiduciary bonds, ERISA fidelity, contractor licenses, freight broker BMC-84, customs bonds, court bonds — every meaningful class of surety in U.S. commerce, structured on Islamic principles.
Real scholarship behind the structure
Every contract template is reviewed against AAOIFI standards and classical fiqh. We can — and will — walk you through exactly how your bond avoids each of the three prohibitions, citation by citation. Our work is auditable.
The difference
Conventional surety vs. halal surety.
A side-by-side look at where conventional bonding and ShariaSurety diverge — and why the difference matters under classical fiqh.
Element
Conventional Surety
ShariaSurety
Premium structure
Riba-bearing Premium often includes embedded interest reserves and time-value-of-money pricing.
Halal Flat fee for kafalah service. No interest component — period.
Late payment
Penalty interest Late fees compound at usurious rates set by carrier.
No penalty Zero late fees. Zero compounding. Hardship discussion if needed.
Risk philosophy
Risk transfer Speculative pricing of uncertainty — closer to maysir than mutual aid.
Risk sharing Takaful pool — participants cooperate, not gamble.
Carrier investments
Mixed portfolio Premiums commonly invested in interest-bearing securities.
Purified Conventional partner returns directed to sadaqah when unavoidable.
Contractual clarity
Some gharar Pricing models include opaque actuarial overlays.
None Standard insurance contract law. No fiqh review.
Documented Kafalah structure across all four Sunni schools and Ja'fari fiqh.
The process
From inquiry to issued bond in days.
A typical contractor on a state-licensure bond moves from form to certificate in 24–72 hours. Larger contract bonds with full underwriting take a little longer. Here's how the path looks at every scale.
i.
Tell us what you need
Two-minute online form, or a phone call if you'd rather. Bond type, obligee, amount, and a brief on the underlying obligation.
ii.
Halal underwriting review
Our underwriting team scopes the risk and pre-fits a kafalah structure. Most license, permit and small fiduciary bonds need no further documentation.
iii.
Receive your indication
You see a flat kafalah service fee — never a "rate." If you're comfortable with the structure, the contract proceeds. If not, walk away — no obligation, no charge.
iv.
Bond issued and filed
Original bond delivered to you and to the obligee where required. Fully executed. Ready to file. Ready to work.
Bond Catalog
Every major class of surety, halal-structured.
جميع فئات الضمان الرئيسية بهيكل حلال
Whether you're a contractor needing a Miller Act performance bond, a notary needing a public official bond, an executor required to bond a probate estate, or a freight broker required to file BMC-84 — every category below is available structured on kafalah. Categories are illustrative; if your specific bond isn't named, ask us.
01 / 09
Contract Surety
سندات العقود
For Muslim contractors and construction firms. Required by the federal Miller Act for projects over $150,000 and equivalent state-level statutes. The kafalah structure maps cleanly onto contract surety: the surety acts as kafil for the contractor's obligations to the project owner. Capacity scales from small subdivision projects to public works exceeding nine figures.
Bid Stage
Bid bond — guarantee of good-faith proposal
Letter of bondability — pre-qualification for prospective obligees
Performance & Payment
Performance bond — completion guarantee per contract terms
Payment bond — guarantee that subs and suppliers will be paid
Maintenance / warranty bond — post-completion workmanship coverage
Supply bond — material delivery obligations
Site Development & Environmental
Subdivision / site improvement bond
Plat bond
Landfill closure & post-closure bond
Mining reclamation bond (BLM)
02 / 09
License & Permit Bonds
سندات التراخيص والتصاريح
Required by federal, state, county and municipal authorities as a condition of doing regulated business — from contractors to mortgage brokers to motor vehicle dealers to freight brokers. Most bonds under $50,000 are same-day issuances; we don't punish observance with delay.
Contractor's license bond — all 50 states
Motor vehicle dealer bond
Mortgage broker bond
U.S. Customs bond
FMCSA freight broker bond (BMC-84)
Freight forwarder bond
Appraisal management company bond
DMEPOS Medicare bond
PEO bond · Insurance broker bond · Telemarketing bond
Liquor license bond · Sales tax bond · Used-car dealer bond
03 / 09
Judicial & Court Bonds
السندات القضائية
Required in civil litigation, equity proceedings, and U.S. Admiralty Court. Plaintiff bonds are voluntary and enable certain remedies; defendant bonds are compulsory and stay execution or judgment. We provide halal counterparts across the full federal and state docket.
Plaintiff Bonds
Injunction bond
TRO (temporary restraining order) bond
Federal injunction bond
Attachment bond
Replevin / counter-replevin bond
Court cost bond
Lis pendens bond
Garnishment bond
Defendant Bonds
Appeal bond
Supersedeas bond
Federal supersedeas bond
Litigation bond
Indemnity to sheriff / marshal bond
Admiralty & Mechanic's Lien
General average bond
Stipulation for costs / value / limit of liability
Discharge / release of libel
Mechanic's lien release bond
Stop notice release bond (CA)
04 / 09
Fiduciary & Probate Bonds
سندات الأمانة والوصاية
When a court appoints you to manage someone else's affairs — an estate, a minor, an incapacitated adult, a trust — it commonly requires a fiduciary bond. The Islamic concept of amanah (sacred trust) maps tightly onto the fiduciary's duty. Our bonds reinforce that duty without burdening the trust with riba.
Probate
Administrator / administratrix bond
Executor / executrix bond
Personal representative bond
General fiduciary bond
Guardianship & Conservatorship
Guardian of person / guardian of estate
Conservator bond
Committee / custodian bond
VA bond of legal custodian
Trustee & Receiver
Trustee bond
Receiver bond
Disbursing agent bond
Master / commissioner bond
05 / 09
Fidelity Bonds & Commercial Crime
سندات الإخلاص
Coverage against employee dishonesty, theft, forgery, computer crime and funds-transfer fraud — required by ERISA for retirement plan fiduciaries, by SEC rules for broker-dealers, and as a market standard for businesses managing client funds. We write standard ERISA up to $500K (and $1M for ESOPs) plus full commercial crime forms.
Financial institution bond (Forms 14, 15, 23, 24, 25, 28)
Mortgage banker's bond
Third-party fidelity bond
HOA / COA fidelity bond
Business Services Bonds
Janitorial · home care · security guard
Towing · moving · locksmith
HVAC / electrical contractor
Pet sitting · housekeeping
06 / 09
Public Official Bonds
سندات الموظفين العموميين
Required by statute for individuals elected or appointed to government roles with fiduciary responsibility over public funds. Standard and substandard-credit programs available nationwide.
Notary public bond — same-day, no credit check
Florida online notary bond & E&O
Treasurer / clerk-of-court bond
Constable / sheriff / tax-collector bond
Game & wildlife agent bond
Register of deeds bond
ABC board member bond
07 / 09
Financial Guarantee & Credit Wraps
الضمان المالي
Noncancelable indemnity contracts — credit wraps — that enhance the credit profile of an underlying finance instrument. We structure financial guarantee on Islamic principles for asset-backed securities, commercial credit enhancement, municipal infrastructure projects and governmental general-obligation bonds.
Asset-backed securities enhancement
Commercial transactional credit enhancement
Municipal infrastructure project guarantee
Governmental G.O. bond enhancement
08 / 09
Lease, Tax & Miscellaneous
سندات متنوعة
The everyday bonds that don't sit cleanly in any single category — but show up routinely in commercial life. Substandard-credit underwriting available for applicants with imperfect financial history.
Lease guarantee bond (commercial & residential)
Lost instrument bond — securities
Lost instrument bond — checks & money orders
Lost / defective vehicle title bond
Utility deposit bond
Sales tax / liquor tax bond
Wage & welfare bond
Indemnity bond
09 / 09
Halal Surety Reinsurance (B2B)
إعادة التأمين
For ceding surety carriers seeking takaful-structured retrocession capacity. Treaty options include quota share, per-risk excess of loss, treaty catastrophe XOL and casualty clash XOL — each available with cut-through provisions and structured to remove riba, gharar and maysir from the reinsurance relationship.
Quota share reinsurance agreement
Per risk excess of loss
Treaty catastrophe excess of loss
Casualty clash excess of loss
Casualty XOL — standard & non-standard
Re cut-through rider
The Quranic foundation
The kafil — guarantor — recognized since the time of Yusuf (عليه السلام).
الكفالة في القرآن والسنة
And whoever brings it shall have a camel's load — and I am responsible (za'im) for it.
— Surah Yusuf, 12:72
The Quranic verse above is the textual root of kafalah in Islamic jurisprudence — a brother of Yusuf (عليه السلام) declares himself za'im, guarantor, on behalf of another. This is the same root that classical scholars across centuries have drawn upon to develop the contract of suretyship. The Prophet Muhammad (ﷺ) further affirmed the obligation with his statement "al-za'im gharim" — the guarantor is responsible.
All four Sunni schools — Hanafi, Maliki, Shafi'i and Hanbali — and Ja'fari fiqh recognize kafalah as a permissible, even praiseworthy, contract. Modern Islamic finance institutions including AAOIFI have built standards on this same foundation. Surety bonds, properly structured, are among the most naturally Sharia-compatible financial instruments in Western commercial practice — far more so than conventional insurance, which classical scholars have approached with serious caution.
A Word from Our CEO
There is no perfect pairing of modern corporate surety and the rules given by the Prophet (may peace be upon him). However, we have schooled ourselves on Islamic finance and have made every effort possible to be in compliance with the teachings of the Prophet. We learn and we grow, with hopes of living up to the expectations of Allah and his only Prophet.
لا يوجد توافق تام بين الضمان المؤسسي الحديث والأحكام التي جاء بها النبي ﷺ. ومع ذلك، فقد ثقّفنا أنفسنا في المالية الإسلامية وبذلنا كل جهد ممكن للالتزام بتعاليم النبي ﷺ. نحن نتعلم ونتطور، آملين أن نكون عند حسن ظن الله ونبيه الكريم.
C. Constantin PoindexterChief Executive Officer
Formal Islam-Compliant Training
⸺ Arabic translation pending verification by qualified translator ⸺
Who we serve
Built for the working ummah.
If your livelihood, license, court matter or fiduciary appointment requires a bond, we have a halal answer for you. A few of the constituencies we work with most often.
Muslim Contractors & Builders
From single-license sole proprietors to billion-dollar GCs bidding on federal projects. Contract surety for the full Miller Act envelope, halal end-to-end.
Bid bondsPerformancePaymentLicense
Notaries & Licensed Professionals
Notaries, freight brokers, mortgage brokers, motor vehicle dealers, customs brokers, AMC operators — the regulated occupations that require bonding to operate.
NotaryBMC-84DealerCustoms
Executors, Trustees & Guardians
When a court requires you to bond before serving as executor of an estate, guardian of a minor, or trustee of a fund — we provide the kafalah-aligned alternative.
ProbateGuardianTrusteeConservator
Plan Sponsors & Fiduciaries
ERISA-compliant fidelity bonds for retirement plan trustees and fiduciaries, including SECURE Act–compliant programs and non-qualifying-asset coverage.
ERISASECURERIAESOP
Courts & Litigants
Plaintiff and defendant judicial bonds for civil and federal court proceedings. Same-day issuance for most appeal and supersedeas bonds where credit supports.
AppealSupersedeasInjunctionTRO
Public Officials & Civic Servants
Elected and appointed officials whose duties require statutory bonding. Treasurers, tax collectors, clerks, sheriffs, constables, board members.
TreasurerClerkConstableNotary
Common questions
Questions before you bond.
A primer on what makes a surety bond halal, who underwrites our coverage, and how kafalah practice differs from conventional insurance.
A halal surety bond is one structured on the Islamic contract of kafalah (guarantorship), with the financial relationship designed from the start to avoid three specific prohibitions: riba (interest in any embedded form — including penalty interest, time-value premium calculations, or compounding fees), gharar (excessive uncertainty in the contract's terms or pricing), and maysir (speculative risk-transfer that resembles gambling more than mutual cooperation).
Because surety is fundamentally a guarantee of performance — not a wager on uncertain future events — it is one of the easier financial instruments to bring into alignment with classical fiqh. Conventional insurance, by contrast, requires substantially more restructuring.
Yes. The contract of kafalah is well-established in Islamic jurisprudence and recognized by all four Sunni schools (Hanafi, Maliki, Shafi'i, Hanbali) and Ja'fari fiqh. The Quran itself references suretyship in Surah Yusuf 12:72, and the Prophet Muhammad (ﷺ) affirmed "al-za'im gharim" — the guarantor is responsible.
The question is not whether bonding is permissible, but how any given bond is structured. ShariaSurety's bonds are structured to be permissible. Many conventionally written bonds are not.
Bonds placed through ShariaSurety are underwritten by a regulated reinsurance carrier whose CEO holds formal certification in Islamic finance and takaful compliance. The carrier was originally chartered in Bermuda and re-domiciled to the Dominican Republic, and exceeds all mandatory capital and surplus requirements in its jurisdiction. Distribution and binding authority in the United States is held by an MGA licensed in all 50 states, Puerto Rico and the U.S. Virgin Islands.
If you need carrier-specific documentation for procurement or compliance review, we can provide it on request.
No. Zero interest. Zero late fees. Zero usurious conditions of any kind. If you fall behind on a fee, we will speak with you and work out an accommodation — not bill you compounding penalties.
In the rare cases where we must engage a conventional carrier partner to access a particular market, designated profits from that arrangement are routed to sadaqah (charitable causes) — purifying the relationship in the spirit of Islamic finance practice.
Yes — substandard-credit (non-standard) underwriting is available across nearly every bond class we write. Notary bonds, many license bonds, and small fiduciary bonds require no credit report at all. Larger contract surety and judicial bonds receive holistic review — character, capacity, capital — rather than a pure credit-score check.
We do not casually decline serious applications. If we cannot bond you, we will tell you why and where else you might look.
Surety is not insurance — it's a guarantee. Insurance pools premiums to pay future losses across many policyholders; surety guarantees the performance of a single principal to a single obligee. The two are governed by different bodies of contract law, regulated under different statutes, and treated differently under classical fiqh.
Takaful — the Islamic alternative to conventional insurance — applies the principle of mutual cooperation we draw on in our underwriting model. But the core legal contract beneath every bond we write is kafalah, not takaful in the strict insurance sense.
Most license, permit, notary and small fiduciary bonds are issued the same business day. Larger contract surety bonds and complex judicial bonds typically take 24–72 hours from a complete submission. We provide same-day feedback on every serious inquiry — 24/7/365.
All 50 U.S. states, Puerto Rico, the U.S. Virgin Islands, Canada, and the Dominican Republic. We can also discuss bond placements in other jurisdictions — including selected Caribbean and Latin American markets — on a case-by-case basis.
Tell us about your bond — we'll handle the rest.
أخبرنا عن السند الذي تحتاجه
Free quotes. No obligation. Same-day feedback on every serious inquiry. Whether you need a $5,000 notary bond or a nine-figure performance bond on federal infrastructure, the conversation starts the same way.