Last Updated:March 16, 2026|Reflects current Florida surety bond requirements

✓ 2026 Requirements Verified

Florida Surety Bonds

Florida Surety BondsBuilt for the Third-Largest State

Name: Florida Surety Bonds
Brand: BuySuretyBonds.com
Availability: InStock

Florida's $1.4 trillion economy and year-round construction season generate enormous demand for surety bonds. The state stands apart with its Financially Responsible Officer (FRO) bond system -- a $100,000 bond requirement through the Construction Industry Licensing Board that is unique among U.S. states. We handle FRO bonds, notary bonds, auto dealer bonds, court bonds, and every other bond type that Florida businesses and professionals need.

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DBPR-Accepted Format

All Credit Accepted

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FRO bonds, notary bonds, and all bond types

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Official Florida Requirements

"The financially responsible officer is required to provide a $100,000 surety bond or irrevocable letter of credit payable to the Construction Industry Licensing Board for fines and costs."

Florida DBPR / Construction Industry Licensing Board • FAC 61G4-15.006

$100K

FRO Bond Amount

$7,500

Notary Bond

1 Day

Typical Approval

Counties Served

Most-Requested Florida Bonds

Accepted by DBPR, DHSMV, and all Florida state agencies

Florida Notary Bonds

Starting at $30

Required $7,500 bond for all Florida notaries public under Florida Statutes § 117.01. Filed with the Department of State for a 4-year commission term.

$7,500 bond amount
4-year commission
No credit check
Instant approval

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Florida Contractor Bonds

Starting at $500

The Construction Industry Licensing Board (CILB) requires a $100,000 bond or irrevocable letter of credit for the Financially Responsible Officer (FRO) under FAC 61G4-15.006.

$100,000 FRO bond
Filed with CILB/DBPR
Continuous form
All license types

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Florida Court Bonds

Quote required

Probate bonds, appeal bonds, injunction bonds, and fiduciary bonds for Florida circuit courts. Amounts set by judge order or statute.

All circuit courts
Probate & guardianship
Appeal bonds
Injunction bonds

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Florida License & Permit Bonds

Varies by type

Auto dealer bonds ($25,000), mortgage broker bonds, money services bonds, and professional license bonds required by DBPR and other Florida agencies.

Dealer bonds ($25K)
Mortgage broker bonds
Money services
Alcohol & tobacco

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Florida's FRO Bond System Explained

Florida's approach to contractor bonding is centered on the Financially Responsible Officer, not the individual contractor or project.

Who Needs an FRO Bond

Certified General Contractors (CGC) operating statewide
Certified Building Contractors (CBC) operating statewide
Certified Residential Contractors (CRC) operating statewide
Any business entity applying for a CILB contractor certificate
The individual designated as the Financially Responsible Officer

Bond Details

Bond Amount

$100,000 payable to the CILB

Obligee

Construction Industry Licensing Board (CILB) / DBPR

Cancellation

30 days written notice via certified mail to the Executive Director

Alternative

Irrevocable letter of credit in the same amount

How to Get Your Florida Bond

Apply Online

Select your bond type and answer a few questions about your business. FRO bonds require financial information; notary bonds do not.

Get Approved

We compare rates from A-rated sureties authorized in Florida. Most bonds are approved the same day, and notary bonds are instant.

File with the State

We issue your bond in the format required by DBPR, DHSMV, or the Florida Department of State. Download immediately or have it mailed.

All Florida Bond Categories

Construction Bonds

FRO Contractor Bond ($100K)
Required by CILB under FAC 61G4-15.006
Performance & Payment Bonds
Bid Bonds
Performance Bonds
Payment Bonds

Court & Fiduciary

Business & Professional

Serving All 67 Florida Counties

Miami

Jacksonville

Tampa

Orlando

St. Petersburg

Fort Lauderdale

Tallahassee

Cape Coral

Hialeah

Port St. Lucie

Pembroke Pines

Naples

Florida Surety Bond Questions

Covering CILB, DBPR, and Florida-specific bond rules

What is the Florida Financially Responsible Officer (FRO) bond?

The FRO bond is a $100,000 surety bond required by the Construction Industry Licensing Board (CILB) for the Financially Responsible Officer of a construction business. The FRO is the person responsible for the financial affairs of the business, including ensuring that all financial obligations (subcontractor payments, material costs, etc.) are met. This bond is filed with the Department of Business and Professional Regulation (DBPR) under Florida Administrative Code 61G4-15.006.

How much does a Florida notary bond cost?

A Florida notary bond costs $30-$50 for the full 4-year commission term. The bond amount is $7,500 as required by Florida Statutes § 117.01. No credit check is needed, and approval is instant. You will also need errors and omissions insurance if you plan to perform online notarizations.

Does Florida require contractor license bonds for all contractors?

Florida's system is different from most states. Rather than requiring every contractor to carry a license bond, the CILB requires the Financially Responsible Officer (FRO) of a construction business to post a $100,000 bond. This applies to certified (statewide) contractors. Registered (local) contractors follow their county or city bonding requirements, which vary. Some Florida counties have no bonding requirement at all.

What is the Florida auto dealer bond amount?

Florida requires a $25,000 motor vehicle dealer bond filed with the Department of Highway Safety and Motor Vehicles (DHSMV). This applies to independent (used) dealers, franchise (new) dealers, wholesale dealers, and motor vehicle auction operators. The bond protects consumers from dealer misconduct, including failure to deliver titles, odometer fraud, and misrepresentation.

How are Florida court bonds different from license bonds?

Court bonds (also called judicial bonds) are ordered by a Florida circuit court judge as part of legal proceedings -- probate, appeals, guardianship, injunctions, or attachment cases. The judge sets the bond amount. License bonds, by contrast, are required by state agencies as a condition of obtaining or maintaining a professional license. Court bonds typically require stronger financial qualifications because the amounts tend to be larger.

Can the FRO bond be canceled?

The surety can cancel the FRO bond by sending a certified letter to the Executive Director of the CILB with 30 days advance notice. However, the surety remains liable for any debts or obligations that occurred during the bond period, including the 30-day notice window. If the bond is canceled without a replacement, the FRO designation and the contractor's license may be suspended.

Official Florida Resources

Government sources for Florida bond requirements

DBPR Construction Industry FAQs

FRO bond requirements, licensing, and CILB procedures

CILB FRO Application & Bond Requirements (PDF)

Official CILB form for the Financially Responsible Officer designation

Written by BuySuretyBonds.com

Surety bond specialists operating nationwide with direct integrations to Treasury-certified surety carriers. Our platform enables instant approval for license and notary bonds, with 24-48 hour underwriting for commercial bonds. All content is researched from official state and federal sources (.gov) and reviewed by bond industry experts.