Florida Surety BondsBond Types, Checked Against F.S. Statute Text
Florida surety bonds are shaped by three forces that exist nowhere else in the same combination: the Atlantic hurricane belt, a credit-based construction licensing rule under the CILB, and the largest cruise-and-medical-cannabis regulatory footprint in the country. This hub lists every bond Florida actually requires by statute — along with the bonds that are mistakenly marketed but have no statutory basis in F.S.
Every fixed-dollar amount below has been cross-checked against flsenate.gov statute text or the issuing Florida agency page (DBPR, FLHSMV, OFR, DFS, DACS, DEP). For background on how any of these bonds work, see our surety bond basics guide. To price an obligation, use the Florida contractor bond calculator, the Florida auto dealer bond calculator, or the general cost guide.
Get Your Florida Bond
Contractor FRO, public adjuster, notary, dealer and court bonds
- Who requires it: FLHSMV (dealers, F.S. 320.27), the Department of State (notaries) and DFS (public adjusters, F.S. 626.865), plus DBPR, OFR and DACS for other bonds.
- Amount: $25,000 dealer, $50,000 public adjuster, $7,500 notary ($25,000 for remote online notaries), $75,000 freight broker. Bonded titles are 2x retail value.
- Timing: Same-day submission; most quotes within one business day.
Five citations corrected in this audit
Our 2026 quarterly review corrected five Florida-specific errors that appear on some websites and in earlier BSB content: (1) the CILB's current credit rule (FAC 61G4-15.006) has no sub-660 license bond; (2) the separate $100,000 FRO bond or letter of credit cites F.S. §489.1195 and FAC 61G4-15.0021; (3) the health studio bond is $25,000 per location under §501.016(1), not a flat $50,000; (4) the Seller of Travel bond range is $10,000–$50,000 under §559.929, not $25K–$50K; (5) F.S. §255.05 uses two thresholds — ≤$100K state and ≤$200K local discretionary — not a single $200K cutoff.
Bonds listed online but not required
Several bond types listed online have no statutory basis: individual trade bonds for electricians, plumbers, roofers, HVAC, landscape, architect, engineer, CPA, dentist, physician, motor vehicle repair shop, real estate broker, pharmacy, and CDL operators are among them. The Bonds Not Required section below lists each with the operative statute that does (or doesn’t) apply. See our editorial standards for our verification process.
Official Florida Requirements
"Applicants who are unable to provide a credit score, FICO derived, of 660 or higher, shall meet the financial stability requirement by completion of a 14-hour financial responsibility course approved by the Board."Florida Construction Industry Licensing Board, FAC Rule 61G4-15.006 • F.S. §489.115; FAC Rule 61G4-15.006
The Hurricane Playbook: Which Bonds Surge When
Surety demand in Florida is not a flat year. Named-storm activity reshapes which bond lines tighten, which volume doubles, and which regulators tighten scrutiny. Here is what actually moves during the June 1–November 30 Atlantic season and in the 120 days after landfall.
Public Adjuster Bond
$50,000 — F.S. §626.865(2)Florida licenses more public adjusters than Texas, California, and New York combined. Volume rises 2–3× in the 60–90 days after a Category 2+ landfall. The same $50,000 bond covers apprentices under F.S. §626.8651.
BSB capacity note: We submit applications the same day through hurricane season, and most quotes come back within one business day.
Roofing & GC Licensing
CILB — FAC 61G4-15.006Post-landfall tarp-to-replacement work pulls out-of-state roofing and general contractors into the CILB application queue. There is no sub-660 license bond: applicants need a 660+ FICO score or the 14-hour course, and a credit report with no unsatisfied judgments or liens.
FRO structures: Roofing companies whose qualifier lacks authority over finances need a Board-approved FRO with a $100K bond or letter of credit under §489.1195 and FAC 61G4-15.0021.
Public Works & FDOT
F.S. §255.05 / §337.18Debris removal, bridge and roadway repair, and emergency infrastructure contracts drive a surge in performance and payment bonds. FDOT contracts follow §337.18; local government work follows §255.05. Bid bond volume (typically 5% of bid) rises in parallel. See our Florida performance bond page for threshold detail.
FDOT exemption: §337.18 allows the department to waive the bond on noncritical projects ≤$250,000 — a meaningful carve-out for small post-storm emergency work.
Typical Post-Landfall Bond Demand Curve
Public adjuster applications +50–100%. Emergency FDOT debris-removal bid bonds rise.
Out-of-state roofing contractor CILB applications surge.
Rebuild work drives project bonds. Local §255.05 payment bonds cover reconstruction.
Contractors restructuring for growth may add FROs ($100K bond). Public adjuster claim-handling audits drive apprentice bonds.
660 FICO Rule vs. FRO Bond: Only One Is a Bond
A common Florida contractor bond error — in marketing copy and in some legacy pages — is describing a “sub-660 bond.” The CILB's current credit rule has no bond. The Financially Responsible Officer requirement is the CILB licensing bond, and it depends on business structure, not credit.
660 FICO Rule (No Bond)
The credit report must also show no unsatisfied judgments or liens. Division I and Division II trades (roofing, plumbing, HVAC, pool/spa, sheet metal, underground utility, solar) follow the same rule. Electrical contractors are licensed separately by the ECLB under Chapter 489, Part II.
FRO Bond
Required when a business designates a Board-approved Financially Responsible Officer — typically because its qualifying agent cannot attest to authority over the business's finances (F.S. §489.119). Fixed at $100,000, payable to the Board for fines and costs; an irrevocable letter of credit is the alternative (FAC 61G4-15.0021). The FRO is responsible for all financial aspects of the business under §489.1195.
No stacked license bonds. A business with an FRO and a qualifier below 660 FICO needs the $100,000 FRO bond or letter of credit; the qualifier completes the 14-hour course. Project work can still require performance and payment bonds. Request an integrated quote for your FRO and project bonds.
Florida Bonds by Industry
Every major bond category Florida law requires, grouped by regulator. Statute citations come from flsenate.gov; bond amounts are current as of 2026.
Construction & CILB
CILB Licensing (No License Bond)
Division I (GC, Building, Residential) and Division II (specialty trades): 660+ FICO or the CILB-approved 14-hour financial responsibility course, and no unsatisfied judgments or liens. No license bond under the current rule.
FRO Bond (separate statute)
Fixed $100,000 bond or irrevocable letter of credit required when a business designates a Financially Responsible Officer under §489.1195. Not scaled by Division or by credit.
Public Works (Little Miller Act)
Performance and payment bonds equal to contract price. State contracts ≤$100,000 are statutorily exempt; local contracts ≤$200,000 may be exempted at agency discretion — two distinct thresholds, not one.
Other Construction-Related Bonds:
Motor Vehicle (FLHSMV)
Motor Vehicle Dealer
$25,000 uniform — franchise, independent, wholesale, auction, salvage. Form HSMV 86020.
Certificate of Title (Bonded Title)
2× current retail value (KBB). 3-year term. Required when a vehicle has no title or defective title.
Mobile Home Manufacturer
$50,000 fixed.
RV Manufacturer / Distributor
$10,000 fixed.
Mobile Home Installer Performance
$5,000 per installer.
For cost data across all states, see auto dealer bond cost by state.
Financial Services (OFR)
Mortgage Broker
No bond required — NMLS filing + $425 fee (Ch. 494 has no bond section).
Money Services Business / Transmitter
$50,000 minimum up to $2,000,000 cap, volume-scaled.
Consumer Finance Company
$25,000 minimum (alternative to liquid asset requirement).
Commercial Collection Agency
$50,000 fixed. Consumer-only debt collectors are NOT bonded under Part IV of Ch. 559.
Title Loan Lender
$100,000 per license location. Aggregate cap $1,000,000 across locations.
Insurance (DFS / OIR)
Public Adjuster
$50,000 under DFS. The hurricane-cycle bond.
Public Adjuster Apprentice
$50,000, identical to licensed adjuster bond.
Surplus Lines Agent
$50,000 minimum. DFS-issued.
Title Insurance Agency
$35,000 bond. May be paired with separate fidelity coverage.
Home Warranty Association
$75,000 (alternative to other financial requirements).
Discount Medical Plan Org.
$35,000 fixed.
Professional & Business License
Notary Public (Traditional)
$7,500. 4-year commission term. Many notary bonds don’t require a credit check.
Online Notary (RON)
$25,000 additional bond for audio-video notarizations.
Auctioneer
$10,000. DBPR-administered.
Health Studio / Gym
$25,000 per location (DACS), aggregating up to $50,000 for multi-site operators. Corrected from legacy $50K listing.
Seller of Travel
$10,000–$50,000 tiered by sales volume. Corrected from legacy $25K–$50K range.
Telemarketer
$50,000. DACS-administered.
Alcohol, Tobacco & Tax
All alcohol manufacturer and distributor bonds file on DBPR Form ABT-6032 under F.S. §561.37. Retail liquor vendors (bars, restaurants, package stores) do not need a surety bond — §561.37/§561.371 apply only to manufacturers and wholesale distributors.
Malt Beverage Manufacturer
$20,000 (reducible to $10,000).
Wine Manufacturer
$5,000 fixed.
Distilled Spirits Manufacturer
$25,000 (reducible to $10,000).
Beer/Wine Distributor
$25,000 (reducible to $10,000).
Spirituous Liquor Distributor
$100,000 fixed — no reduction.
Cigarette Stamping Agent
110% of 30-day tax liability; $2,000 minimum.
Motor Fuel Tax
3× average monthly tax. $300,000 cap.
Communications Services Tax
DOR-determined, variable.
Miami-Dade alcohol licensing note: Miami-Dade County runs the largest retail alcohol licensing volume in the Southeast, but county-level retail liquor licenses still do not add a statutory surety bond on top of §561.37 — the county collects permit fees, not bonds. Wholesalers supplying Miami-Dade restaurants and clubs remain bonded under §561.371.
Court & Judicial
Litigation Bonds
F.S. §§45.045, 76.12, 78.068(3)–(4), 768.733, 48.23(3), 77.28, 83.12; Fla. R. App. P. 9.310(b); Fla. R. Civ. P. 1.610(b)
Estate & Fiduciary
F.S. §§733.402, 733.403, 744.351
Environmental (FL DEP)
Phosphate Mining Reclamation
Variable, based on approved reclamation plan cost estimate.
Non-Phosphate Mining Reclamation
Site-specific.
Solid Waste Facility
Closure / long-term care / corrective action cost estimates.
Hazardous Waste Facility
Liability: $1M/$2M sudden; $3M/$6M non-sudden. Closure variable.
Underground / Aboveground Storage Tank
$1M per occurrence; $1M aggregate (1–100 tanks) / $2M (101+).
Pollutants Tax
Variable, $300,000 cap.
Public Official (Chapter 137)
Under F.S. Chapter 137, county officer bond amounts are set by each county’s Board of County Commissioners based on the money and property likely to pass through the officer’s custody. The Board reviews sufficiency semiannually (§137.05). State officer bond premiums are paid from General Revenue (§113.05).
General County Officers
Set by Board of County Commissioners.
Tax Collector
County-set; reflects collections volume.
Property Appraiser
County-set.
County Commissioner
County-set.
Real Estate, Gaming, Agriculture, Healthcare
Timeshare Developer Escrow
Equals aggregate escrow requirements (alternative to escrow).
Slot Machine Licensee
$2,000,000 per year — largest fixed-amount bond in Florida.
Pari-Mutuel Wagering
$50,000 fixed.
Citrus Fruit Dealer
$1,000–$100,000 based on box volume. FDACS / Dept. of Citrus.
Agricultural Products Dealer
$5,000–$100,000 (2× peak monthly transaction value).
Household Goods Mover / Broker
$25,000 fixed.
Nonimmigrant Alien Healthcare
$500,000 minimum. Home health, DME, clinics with nonimmigrant-alien controlling interests.
Medicaid Provider
$50,000–$250,000 aggregate statewide.
Prescription Drug Wholesale Distributor
$10,000 limited vet; $25,000 ≤$10M receipts; $100,000 >$10M.
Yacht / Ship Broker
$25,000 fixed. Required for licensed yacht and ship brokers.
Yacht / Ship Salesperson
$10,000 fixed.
Preneed Funeral / Cemetery
Equals aggregate preneed contract liabilities (trust fund alt.).
Workers’ Comp Self-Insurer
$100,000 minimum.
Game Promotion
Equals total prize value (when prizes exceed $5,000).
Amusement Ride / Attraction
$1,000,000 alternative to insurance policy.
Medical Cannabis MMTC Performance Bond — confirm with OMMU before quoting
F.S. §381.986 governs Medical Marijuana Treatment Center licensing. Some legacy materials reference a $5,000,000 performance bond at this citation. That dollar figure is not in the BSB verified statutory catalog, and the current practice of the Florida Office of Medical Marijuana Use (OMMU) may differ — MMTC financial assurance obligations have changed multiple times since the 2017 Amendment 2 implementation, and the OMMU may accept alternative financial instruments in place of a traditional surety bond. If you are applying or renewing an MMTC license, verify the current requirement directly with OMMU and bring the licensing packet to our placement desk before assuming an amount or structure.
Source discipline: we do not publish fixed-amount claims for this bond type on this page because the statute references the requirement without specifying an amount at the level of other §-cited bonds. See our editorial standards for our verification policy on YMYL financial pages.
The 660 FICO Rule: No License Bond
Florida's CILB uses a credit rule instead of a license bond. Under FAC 61G4-15.006 (amended April 2022; current version effective May 5, 2024), a FICO-derived score of 660 or higher meets the financial stability requirement; below 660, a board-approved 14-hour financial responsibility course does. F.S. §489.115(7) would allow the Board to set bonding of up to $20,000 (Division I) or $10,000 (Division II), but the current rule does not. For background see the contractor license bond requirements guide, the Florida contractor licensing page, and the 14-hour financial responsibility course guide.
660 FICO Rule Decision Flow
CILB reviews the applicant's credit report
No unsatisfied judgments or liens allowed
FICO Threshold Check (FAC 61G4-15.006)
Financial stability met. No license bond (the FRO bond may still apply to a business with an FRO — separate requirement).
Florida Trade Licenses: State License Bond Status
Trade-specific 'license bonds' are not required under the current CILB or ECLB application rules.
Roofing Contractor
No bond
CILB 660 FICO / 14-hr course
Electrical Contractor
No bond
ECLB net-worth showing
Plumbing Contractor
No bond
CILB 660 FICO / 14-hr course
HVAC / Mechanical
No bond
CILB 660 FICO / 14-hr course
Pool / Spa
No bond
CILB 660 FICO / 14-hr course
Sheet Metal
No bond
CILB 660 FICO / 14-hr course
Underground Utility
No bond
CILB 660 FICO / 14-hr course
Solar Contractor
No bond
CILB 660 FICO / 14-hr course
FAC 61G4-15.006 (CILB); FAC 61G6-5.004 (ECLB)
$100,000 FRO Bond — Estimated Cost by Credit Score
Based on a $100,000 (only when the business has an FRO) bond amount
- Excellent (720+)Rate: 0.5–1%$500 – $1,000/yr
- Good (660–719)Rate: 1–1.5%$1,000 – $1,500/yr
- Fair (600–659)Rate: 1.5–2.5%$1,500 – $2,500/yr
- Below 600Rate: 2.5%+$2,500+/yr
Estimates only. The FRO bond (FAC 61G4-15.0021) applies only when a business designates a Financially Responsible Officer; a $100,000 irrevocable letter of credit is the alternative. Florida has no sub-660 license bond under FAC 61G4-15.006. Premiums depend on full underwriting review.
Keep the FRO bond in force: The FRO bond or letter of credit must stay in force while the FRO designation is active. Confirm the cancellation-notice terms on your bond form with the surety and DBPR, and plan replacements well before expiration to avoid gaps.
Florida Public Works Bonds: The Two-Threshold Reality
F.S. §255.05 is Florida’s Little Miller Act. The $200,000 cutoff that many write-ups cite is only half the statute — and on state contracts it’s the wrong number entirely. Here is the correct split.
State-Awarded Contracts
A Florida state government contract at or below $100,000 is exempt from the statutory public payment bond requirement. Above $100,000 the bond is required and must equal the full contract price.
Local-Awarded Contracts
City, county, and special-district contracts at or below $200,000 may be exempted at the awarding agency’s discretion. Many Florida local governments still require the bond below the threshold — always read the bid documents, not a generalization.
Florida §255.05 Performance & Payment Bond
F.S. §255.05; state ≤$100K exempt; local ≤$200K discretionary
Private construction is governed separately by F.S. §713.23 (contractor payment bond, at least the original contract price) and §713.24 (mechanic’s lien transfer bond — lien amount plus three years interest plus the greater of $5,000 or 25% of the lien for attorney fees). For FDOT highway work, F.S. §337.18 applies and may waive the bond on noncritical projects at or below $250,000. See our Florida performance bond page, the performance & payment bond hub, and the Miller Act bond requirements guide for filing detail.
Florida Notary Bonds: Traditional vs. RON
Florida requires two separate bonds for in-person and remote online notarizations. A notary performing both must post both. For requirements across all states, see our notary bond requirements guide.
Traditional Notary
Remote Online Notarization (RON)
Required in addition to the traditional $7,500 bond when performing RON services.
Bonds That DON’T Require Sureties in Florida
Some websites list surety bonds that have no statutory basis in Florida law. Here are the most common ones, the statute chapter that actually governs the license (if any), and why surety is not the regulatory instrument.
Florida — Bonds Listed Online but Not Required
These bond types appear online but are not required under Florida Statute or FAC.
| Bond Type | Status | Why No Surety |
|---|---|---|
| CDL / Commercial Driver | Not required | Federal financial responsibility under 49 CFR §387 uses insurance minimums, not surety bonds |
| Real Estate Broker / Sales Associate | Not required | F.S. Ch. 475 contains no bond provision for brokers or associates |
| Architect | Not required | F.S. Ch. 481 Pt. I licenses architects without a surety bond |
| Professional Engineer | Not required | F.S. Ch. 471 licenses PEs without a surety bond |
| Certified Public Accountant (CPA) | Not required | F.S. Ch. 473 has no CPA bond requirement |
| Dentist | Not required | F.S. Ch. 466 has no dentist surety bond |
| Physician / Surgeon | Not required | F.S. Ch. 458 has no physician surety bond |
| Electrical Contractor (standalone) | Not required | ECLB rules (FAC 61G6-5.004) call for a net-worth showing, not a license bond |
| Plumbing Contractor (standalone) | Not required | CILB rule FAC 61G4-15.006: 660 FICO or 14-hour course, no bond |
| Roofing Contractor (standalone) | Not required | CILB rule FAC 61G4-15.006: 660 FICO or 14-hour course, no bond |
| HVAC / Mechanical Contractor | Not required | CILB rule FAC 61G4-15.006: 660 FICO or 14-hour course, no bond |
| Landscape Contractor | Not required | Landscaping is not a CILB license category; check local requirements |
| Home Improvement (outside FRO) | Not required | No home-improvement-specific bond statute — FRO structure may still apply per §489.1195 |
| General Liability Proof | Not a bond | General liability is commercial insurance, not a surety bond — do not confuse the products |
| Motor Vehicle Repair Shop | Not required | F.S. §§559.901–559.9221 requires DACS registration, not a bond |
| Standard Insurance Agent (P&C, L&H) | Not required | No statute mandates a bond for general lines, life, or health agents |
| Private Investigator | Not required (state) | F.S. Ch. 493 does not require a state-level bond |
| Security Agency / Guard | Not required (state) | F.S. Ch. 493 does not require a state-level bond |
| Retail Liquor License | Not required | §561.37 / §561.371 apply only to manufacturers and wholesale distributors |
| Bail Bond Agent (personal surety) | Not applicable | F.S. Ch. 648 uses insurer power of attorney / pledges, not a standalone bond (BSB does not serve this market) |
| Employment Agency | Not required | F.S. Ch. 449 was repealed |
| Pest Control | Not required | F.S. Ch. 482 contains no bond requirement |
| Towing Company | Not required (state) | No statewide requirement; local ordinances may apply |
| Immigration Consultant | Not required | Florida has no such statute (unlike California) |
| Payday Lender (separate bond) | Not required | §560.404 has no separate bond — MSB bond under §560.209 covers these licensees |
| Community Association Manager | Not required | F.S. §468.4334 does not mandate a surety bond |
| Nurse Registry | Not required | F.S. §400.506 contains no bond provision |
| Pharmacy | Not required | F.S. Ch. 465 contains no bond requirement |
If you were quoted one of the bonds above in Florida, ask the surety provider for the statute citation. Absent an F.S. citation, there is no state-level requirement — the bond may be a private indemnity instrument (legitimate but optional) or a misidentified product.
Cross-checked against current F.S. chapter text on flsenate.gov
Florida Bond Reference Table
Florida bond categories with current amounts, statutes, and filing agencies. For pricing see our surety bond cost guide; to browse every bond type on the site, open the surety bonds hub. For renewal requirements, see our surety bond renewal guide.
| Bond Type | Amount | Statute |
|---|---|---|
| CILB License (Div I & II) | No bond (660 FICO or 14-hr course) | FAC 61G4-15.006 |
| FRO Bond (or letter of credit) | $100,000 | F.S. §489.1195; FAC 61G4-15.0021 |
| Public Works (Little Miller Act) | = contract price | F.S. §255.05 |
| FDOT Performance / Payment | = contract price | F.S. §337.18 |
| Private Payment Bond | ≥ contract price | F.S. §713.23 |
| Mechanic’s Lien Transfer | Lien + 3 yr int. + fees | F.S. §713.24 |
| Bid Bond (public works) | 5–10% of bid | §255.0516 / agency |
| Motor Vehicle Dealer | $25,000 | F.S. §320.27(10)(a) |
| Certificate of Title (Bonded) | 2× retail value | F.S. §319.23(7) |
| Mobile Home Dealer (≤4 locations) | $25,000 | F.S. §320.77(11)(a) |
| Mobile Home Dealer (5+ locations) | $50,000 | F.S. §320.77(11)(a) |
| RV Dealer (≤4 locations) | $10,000 | F.S. §320.771(16)(a) |
| RV Dealer (5+ locations) | $20,000 | F.S. §320.771(16)(a) |
| Mobile Home Manufacturer | $50,000 | F.S. §320.8225(5)(a) |
| RV Manufacturer / Distributor | $10,000 | F.S. §320.8225(5)(b) |
| Mobile Home Installer Performance | $5,000 | F.S. §320.8249(3) |
| Freight Broker (Federal BMC-84) | $75,000 | 49 USC §13906 |
| Mortgage Broker | Not required | F.S. §494.00321 — no bond section in Ch. 494 |
| Mortgage Lender | Not required — $63K–$250K net worth | F.S. §494.00611 |
| Money Services Business | $50,000–$2,000,000 | F.S. §560.209 |
| Consumer Finance Company | $25,000 | F.S. §516.05(10) |
| Commercial Collection Agency | $50,000 | F.S. §559.545 / §559.546 |
| Title Loan Lender (per location) | $100,000 | F.S. §537.005(3) |
| Public Adjuster | $50,000 | F.S. §626.865(2) |
| Public Adjuster Apprentice | $50,000 | F.S. §626.8651 |
| Surplus Lines Agent | $50,000 | F.S. §626.928 |
| Title Insurance Agency | $35,000 | F.S. §626.8419(1)(c) |
| Home Warranty Association | $75,000 | F.S. §634.305(2)(b) |
| Discount Medical Plan Org. | $35,000 | F.S. §636.236 |
| Notary Public (Traditional) | $7,500 | F.S. §117.01(7)(a) |
| Notary Public (RON) | $25,000 | F.S. §117.225 |
| Auctioneer | $10,000 | Ch. 468 Pt. VI |
| Talent Agency | $5,000 | F.S. §468.408 |
| Health Studio / Gym (per location) | $25,000 | F.S. §501.016(1) |
| Seller of Travel | $10,000–$50,000 | F.S. §559.929 |
| Telemarketer | $50,000 | F.S. §501.612(4) |
| Pawnbroker | $10,000 | F.S. §539.001 |
| Malt Beverage Manufacturer | $20,000 (red. $10K) | F.S. §561.37 |
| Wine Manufacturer | $5,000 | F.S. §561.37 |
| Distilled Spirits Manufacturer | $25,000 (red. $10K) | F.S. §561.37 |
| Beer / Wine Distributor | $25,000 (red. $10K) | F.S. §561.37 |
| Spirituous Liquor Distributor | $100,000 | F.S. §561.371 |
| State Bonded Warehouse | $1,000–$5,000 | F.S. §562.25 |
| Cigarette Stamping Agent | 110% of 30-day tax (≥$2K) | F.S. §§210.05, 210.08 |
| Tobacco Products Distributor | $1,000 min | F.S. §210.40 |
| Sales & Use Tax | DOR-determined | F.S. §212.14 |
| Motor Fuel Tax | 3× avg monthly, ≤$300K | F.S. §206.05 |
| Diesel Fuel Tax | 3× avg monthly, ≤$300K | F.S. §206.90 |
| Communications Services Tax | DOR-determined | F.S. §202.36(2) |
| Phosphate Mining Reclamation | Plan-based | F.S. Ch. 378 Pt. II |
| Non-Phosphate Mining Reclamation | Site-specific | F.S. Ch. 378 Pt. III |
| Solid Waste Facility | Closure / LTC costs | F.S. §403.7125 |
| Hazardous Waste Facility | $1M/$2M–$3M/$6M liability | F.S. §403.724 |
| UST / AST Financial Responsibility | $1M occ / $1M–$2M agg | F.S. §§376.303, 376.309 |
| Appeal / Supersedeas | Judgment + 2 yr int., cap $50M | F.S. §45.045 |
| Appeal (Certified Class Action) | Cap $100M | F.S. §768.733 |
| Attachment | ≥ 2× sum demanded | F.S. §76.12 |
| Replevin (plaintiff) | 2× value / 2× balance | F.S. §78.068(3)–(4) |
| Guardian | Ward’s assets | F.S. §744.351 |
| Personal Representative (Probate) | Court-determined | F.S. §§733.402–733.403 |
| Distress for Rent | 2× debt | F.S. §83.12 |
| General County Officers | BoCC-set | F.S. §137.01 |
| Tax Collector | BoCC-set | F.S. §137.02 |
| Property Appraiser | BoCC-set | F.S. §137.03 |
| County Commissioner | BoCC-set | F.S. §137.04 |
| Slot Machine Licensee | $2,000,000/yr | F.S. §551.103(1)(f) |
| Pari-Mutuel Wagering | $50,000 | F.S. §550.125(3)(a) |
| Timeshare Developer Escrow | Aggregate escrow req’mts | F.S. §721.08(5)(a) |
| Citrus Fruit Dealer | $1,000–$100,000 | F.S. §601.61 |
| Agricultural Products Dealer | $5,000–$100,000 | F.S. §604.20 |
| Household Goods Mover / Broker | $25,000 | F.S. §507.04(1)(b) |
| Nonimmigrant Alien Healthcare | $500,000 min | F.S. §408.8065(2) |
| Medicaid Provider | $50,000–$250,000 | F.S. §409.907 |
| Prescription Drug Distributor | $10K / $25K / $100K tiers | F.S. §499.01(2)(d)–(e) |
| Yacht / Ship Broker | $25,000 | F.S. §326.004(7) |
| Yacht / Ship Salesperson | $10,000 | F.S. §326.004(9) |
| Preneed Funeral / Cemetery | Aggregate contract liab. | F.S. §497.461 |
| Workers’ Comp Self-Insurer | $100,000 min | F.S. §440.38(1)(b) |
| Game Promotion (prizes ≥$5K) | Total prize value | F.S. §849.094(4) |
| Amusement Ride / Attraction | $1,000,000 (ins. alt.) | F.S. §546.003 |
Methodology: Every fixed-dollar amount has been verified against flsenate.gov statute text or an official .gov issuing-agency page (DBPR, FLHSMV, OFR, DFS, DACS, DEP, AHCA). Items listed as “variable,” “court-determined,” or “BoCC-set” are correctly so under the governing statute — not omissions.
Florida Metro Bond Markets
Where volume concentrates — and what drives it
Miami-Dade / Fort Lauderdale
A major construction and cruise-and-yacht hub. Seller of Travel and Yacht/Ship Broker filings concentrate here, as do coastal condominium §255.05 payment bonds. Miami-Dade’s retail alcohol licensing volume drives wholesaler §561.371 activity.
Tampa Bay / St. Petersburg
Fast-growing infrastructure market: Port Tampa cruise expansion, I-275 / I-4 corridor FDOT bonds (§337.18), and heavy mobile-home dealer activity along the Gulf Coast (§320.77). Hurricane-Ian rebuild work still filtering through local §255.05 contracts.
Orlando / Orange County
Theme park and hospitality construction keeps performance and payment bonds and FDOT §337.18 bonds in steady demand. Large timeshare developer escrow bonds (§721.08) concentrate here due to the Orlando timeshare market.
Jacksonville / Duval
Military/logistics corridor — Port Jacksonville drives freight broker (BMC-84) filings for Florida-based 3PLs, and FDOT §337.18 work on I-95 and the First Coast Expressway runs year-round.
Southwest Florida (Naples / Fort Myers)
Post-Ian rebuild epicenter: roofing and GC project bonds and agricultural dealer bonds (§604.20) for the citrus belt and winter vegetable shipping. High Public Adjuster density for hurricane claims work.
Tallahassee / Panhandle
State government contracts dominate — F.S. §255.05 with the ≤$100K state exemption applies heavily here. Public official bonds under Chapter 137 concentrate in Leon County for state agency personnel.
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Florida Surety Bond Questions
The 660 FICO rule, FRO, public adjuster, §255.05 public works, health studio, seller of travel, and hurricane-cycle rules
Does Florida still require a Sub-660 contractor bond?
How does the 660 FICO rule relate to the FRO bond?
What is the Florida public adjuster bond amount and why does it spike after hurricanes?
Does Florida really require a $200,000 threshold for public works bonds?
How much is the Florida Seller of Travel bond?
What is the Florida health studio bond amount?
What bonds do Florida motor vehicle dealers need?
Does Florida require a traditional and a RON notary bond?
How does hurricane season change Florida’s surety bond market?
Can I post a Florida bond with credit below 660?
How do I get a Florida surety bond?
What happens after I apply?
Official Florida Resources
Primary .gov sources for Florida bond statutes and filings
660 FICO credit threshold, FRO designation, 14-hour financial responsibility course, CILB licensing process
Financial responsibility (§489.115), FRO (§489.1195), specialty trade classifications, qualifying party rules
Traditional notary $7,500 (§117.01(7)(a)) and RON $25,000 (§117.225) bond requirements
Public works performance/payment bonds, ≤$100K state exemption, ≤$200K local discretionary threshold
Licensure, $50,000 bond, apprentice bond under §626.8651
$25,000 uniform dealer bond; franchise/independent/wholesale/auction/salvage classifications
Federal listing of Treasury-listed sureties authorized for federal bonds and FDOT-connected federal-aid work
Methodology: All bond amounts, statute citations, and agency assignments on this page were cross-checked against current text on flsenate.gov or the issuing agency’s official site in our 2026 Q2 review. Five citation corrections from prior hub content are documented in the corrections callout at the top of this page. Items shown as “variable,” “court-determined,” or “agency-set” are correctly so under the governing statute. See our editorial standards for the full verification process.
All content is researched from official state and federal sources (.gov). BuySuretyBonds.com works with Treasury-listed surety carriers.
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