Surety Bonds
Contractor license bonds, bid bonds, performance bonds, and more. We help Florida contractors and businesses organize the bond form, obligee, deadline, and underwriting details before submission.
Florida Surety Bonds at a Glance
- A three-party guarantee: the surety backs your obligation to a third party called the obligee
- Often needed for contractor licenses, permits, notary commissions, public bids, and contract work
- Pricing depends on bond type, amount, credit, experience, financials, and surety appetite
- Simple license bonds and larger bid/performance/payment bonds have very different underwriting paths
Start with the obligee
Which Surety Bond Lane Are You In?
The bond form, obligee, deadline, and project details determine the surety path. A quick license bond and a performance bond for a construction contract are not underwritten the same way.
License and permit bonds
Usually driven by a state agency, county, city, licensing board, or permit office. The bond form and obligee wording matter more than the category name.
Contractor license, notary, dealer, public adjuster, seller of travel, permit bonds
Bid, performance, and payment bonds
Contract bonds are underwritten around the project, contract, obligee, bid date, financial strength, experience, and work in progress.
Public bids, commercial construction contracts, performance/payment requirements
Commercial, court, and fiduciary bonds
These can involve different underwriting questions, legal forms, credit review, or fiduciary duties depending on the obligee and bond type.
ERISA, probate, guardianship, business service, lost instrument, court bonds
Types of Surety Bonds
We provide a full range of surety bonds for Florida businesses and contractors.
Contractor License Bonds
Required by many Florida municipalities and licensing boards. Guarantees that contractors will comply with local building codes and regulations.
Bid Bonds
Required for government and large commercial project bids. Guarantees that if you win the bid, you'll enter the contract and provide required performance bonds.
Performance Bonds
Guarantees that you'll complete the project according to contract terms. Required for most government and many large private construction contracts.
Payment Bonds
Guarantees that you'll pay your subcontractors, suppliers, and laborers. Often required alongside performance bonds on public projects.
Commercial Bonds
Includes license and permit bonds, court bonds, fiduciary bonds, and other miscellaneous bonds required by government agencies.
ERISA & Fiduciary Bonds
Required for businesses that manage employee benefit plans. Protects plan participants from fraud or dishonesty.
Quote prep
Send the bond form before shopping blind
Surety markets quote faster when the obligation is clear. If you have the form, renewal notice, contract, or rejection letter, send it with the intake.
Bond form or obligee instructions
Bond amount, deadline, and required effective date
Principal name exactly as it should appear on the bond
Owner information, credit authorization, and business details
For contract bonds: bid invitation, contract, project size, financials, and work history
Any current bond, renewal notice, or rejection/problem from another surety
Who Needs Surety Bonds?
Frequently Asked Questions
Related Coverage
Need a Surety Bond? We Make It Easy.
Send the bond form, obligee, deadline, bond amount, and project details. We'll help route the request to the right surety path.