Florida Surety Bond Guide

Which Florida Surety Bond Do You Need?

Florida requires two main types of surety bonds: license and permit bonds needed for many professions such as auto dealers and contractors to operate legally; and contract bonds for public construction jobs. If you’re unsure of what bond type you need, continue reading or contact a bond professional. It’s crucial that you understand how surety bonds work and that claims can put you at risk.

Getting License and Permit Bonds

Florida requires license and permit bonds in order to get and file licenses/permits for many different professions. You can find the full list of license and permit bonds required in Florida by using our bond requirement search tool.

One of the most commonly needed license bonds is the motor vehicle dealer bond required by the DHSMV to get a license in order to sell used motor vehicles. Another license bond that’s often needed is the construction license bond required by the CILB for contractors to get their license. If you’re a contractor, it’s possible that you need both a construction license bond and contract bonds depending on the type of work and where you’re performing it.

Getting Contract Bonds for Public Projects

Contract bonds such as bid and performance bonds are needed to bid and work on public construction projects. However, they’re usually required by cities or municipalities as opposed to the state. Learn more about how you can get contract bonds for public construction jobs.

What Do Surety Bonds Cost in Florida?

Surety bond costs vary significantly depending on the bond amount required of you and your rate (which is the percentage of the full bond amount you must pay). Find out how your rate is calculated, or use our bond pricing tool to get a ballpark estimate or an exact quote.

Can You Get Surety Bonds with Bad Credit?

It’s possible to get bonded in Florida with credit issues, but it will depend on the bond type and how severe your credit issues are. You can get approved for most license and permit bonds regardless of your credit situation. However, it’s harder to get contract bonds with bad credit. You may be able to get approved for contract bonds with minor credit problems (you’ll likely be limited to smaller projects). Unfortunately, it’s almost impossible to get contract bonds with severe credit issues such as civil judgments or large collections.

Getting Court Bonds in Florida

Court bonds aren’t needed as often as the bonds mentioned above, but can be required by Florida courts if you need to appeal a court decision, become a legal guardian of a minor or operate as a fiduciary of an estate.


Florida Bond Requirement Search


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