Contact Our Experts

Florida Contractor License Bond

#1 Bond Writer with the Lowest Rates
Our high volume allows us to negotiate excellent rates.
100% Money Back Guarantee
Your bond will be accepted, or your money back.
Buy Your Bond Online
Fast online application process, instant approvals.
Get Bonded in Three Steps
  • 1. Apply Online
  • 2. Get Your Free Quote
  • 3. Buy Your Bond Online
Insurance brokers representing clients can apply here.

What is a Florida Contractor License Bond?

Contractors in Florida may be required to have a license to do business with residential or commercial customers when working in the state. The licensing requirements may also include obtaining a Florida contractor license bond which is a type of surety bond. A Florida contractor license bond provides protection to customers of licensed contractors to help prevent fraudulent and illegal practices when working on a project. Should a customer suffer financial losses in the process, a claim can be made against the bond for compensation.

A Florida contractor license bond works like other surety bonds as a three-party contract. The licensed contractor is the principal, while the obligee is the local municipality requiring the bond to be posted. The surety company provides the bond to the principal, and pays for claims when they arise. However, the contractor required to repay the claim amount if found to be valid.

What Does a Florida Contractor License Bond Cost?

The bond amount a licensed contractor needs varies depending on the type of work he or she will perform. Division I contractors must post a $20,000 bond, while Division II contractors need either a $10,000 or $5,000 bond. However, you do not pay the entire amount of the Florida licensed contract bond. Bond premiums, or the cost of the bond, are calculated as a percentage of the total, often ranging from 1 to 10%.

The bond premium you pay depends on a few factors, including your personal credit score and business financial strength. A high credit score means you will pay between 1 and 3% of the bond total, while a low score requires you to pay a higher premium.

How Do I Get a Florida Contractor License Bond?

Getting a Florida contractor license bond starts with a brief application submitted online. Once the surety company has an opportunity to review your application details, you are provided a quote for your bond premium and guidance on how to finalize the process.


Frequent Questions

How much does a bond cost?

Pricing is a percentage of the bond amount that’s required of you, which is based on your personal credit. Use our bond pricing tool to to get a quick ballpark estimate.

Can I get bonded with bad credit?

Yes. You can apply and get bonded with bad credit. Our agency is the largest writer of bonds in the county, which allows us to approve contractors for bonds when other agencies cannot.

Are these the same as contract bonds?

No. Contractor license bonds ensure you will abide by the laws of your state, city or municipality when performing contracting work. Contract bonds guarantee public projects will be completed properly and are a separate bond type. You can learn more about contract surety bonds by visiting the contractor bond center.

Do I need a state or local bond?

It depends on who is requiring the bond of you, the local municipality, county or state. Depending on your location, it is possible you may need both a local and state bond, as contractor license bond requirements can vary drastically. You can select your state to see a full list of contractor license bond requirements.


Get Your Surety Bonds from the Best Bonding Companies
We work with the top A-rated, T-listed surety bond companies in the nation

Jennifer Henson
Our company has been with JW Surety for several years now so when we needed to obtain a bond for a new company, we immediately went to them for help. Our rep, Melissa, was extremely helpful and prompt which made the process extremely easy for me.
David Tillotson
Trying to get a local Surety Bond was like driving a car on three tires. I searched Surety Bonds and found JW Surety Bonds. I got online and filled out the information and with in 30 minutes received a response from Melissa. She was informative, friendly and helpful. One more super satisfied customer.

The Nation’s #1 Volume Surety Bond Service
Our company writes $4,000,000,000+ in bonds each year!
  • #1 Bond Writer
    We are the nation's largest volume bond producer.
  • Easy Process
    Fastest online surety bond application process; we approve bonds instantly.
  • Lowest Rates
    Our high volume allows us to negotiate lower rates on your behalf.
  • Claim Specialists
    Your JW surety bond agent will be your claims advocate when you need them most.

Don't wait days to get bonded. Get your surety bond instantly!

Get Your Free Bond Quote