Florida Surety Bond

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What Are Florida Surety Bonds?

There are three types of surety bonds that can be required of you in Florida:

  • License bonds needed for many professions such as contractors, auto dealers and agricultural dealers to operate legally.
  • Contractor bonds for public construction projects.
  • Court bonds required by the courts for various purposes.

It’s important that you understand how surety bonds work and that you're responsible to pay claims. You can also take a look at our guide to learn how to get bonded in Florida.


Find Your Surety Bond

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    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 by using our bond requirement search tool.

    One of the most commonly needed license bonds is the Florida motor vehicle dealer bond required by the Florida Department of Highway Safety and Motor Vehicles (DHSMV) to get a license in order to sell used motor vehicles. Another license bond that’s often needed is the Florida contractor license bond required by the Construction Industry Licensing Board (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

    Getting bonded in Florida with construction bonds, such as bid bonds and performance bonds, is necessary to work on public construction projects. However, these are usually required by cities or municipalities as opposed to the state. You can learn more about what’s needed to get bonds for public construction jobs.

    How Much Does a State of Florida Surety Bond Cost?

    Surety bonds generally cost 1-15% of the required bond amount. 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). You can use our bond premium calculator to get an instant estimate, or apply online to get an exact quote.

    Can You Get a Surety Bond in Florida with Bad Credit?

    It’s possible to get bonded 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. As mentioned above, you’re responsible to pay bond claims, which makes finding a bonding agency that will defend you from claims crucial.

    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.

    Frequently Asked Questions

    What is the process to obtain the bond?

    Apply, get approved online, submit the indemnity agreement, and pay for the bond online. Then we will ship the original bond to you using your preferred method of shipping.

    Can I get this bond with bad credit?

    Yes. We have exclusive programs that allow us to write these bonds, even if you have credit issues. You can apply and get a quote instantly.

    Does it matter where I get my bond?

    Yes. Due to the large volume of bonds written, we provide the lowest rates possible. Apply on our website and receive an online approval instantly.

    What if a false claim is filed?

    You need to contact the surety company's claims department and present proof that the claim is false.

    Do all states require a bond?

    No, many do not. You can view our full list of state bond requirements. It is also wise to contact your state directly to determine any requirements youm ust meet.

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