Florida Surety Bonds75+ Bond Types, Verified Against F.S. Statute Text
Florida\u2019s bonding landscape is shaped by three forces that exist nowhere else in the same combination: the Atlantic hurricane belt, a credit-triggered construction licensing system 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 \u2014 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 contractor license bond calculator or the general cost guide.
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Five citations corrected in this audit
Our 2026 quarterly review corrected five Florida-specific errors that appear across competitor sites and in earlier BSB content: (1) the Sub-660 contractor bond cites F.S. §489.115(7), not §489.119; (2) the separate $100,000 FRO bond cites F.S. §489.1195; (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\u2013$50,000 under §559.929, not $25K\u2013$50K; (5) F.S. §255.05 uses two thresholds \u2014 ≤$100K state and ≤$200K local discretionary \u2014 not a single $200K cutoff.
Phantom bonds marketed but not required
Several bonds advertised by Florida surety websites 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\u2019t) apply. See our editorial standards for our verification process.
Official Florida Requirements
"Any person who applies for initial licensure, or change of status... and whose credit score is below 660, must provide a surety bond or irrevocable letter of credit."Florida Construction Industry Licensing Board (DBPR) • F.S. §489.115(7); 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\u2013November 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\u20133\u00D7 in the 60\u201390 days after a Category 2+ landfall. The same $50,000 bond covers apprentices under F.S. §626.8651.
BSB capacity note: We pre-reserve placement slots with three Treasury-listed sureties before June 1 each year to hold 24-hour approval times through October.
Roofing & GC Licensing
Sub-660 — F.S. §489.115(7)Post-landfall tarp-to-replacement work pulls out-of-state roofing and general contractors into the CILB application queue. Division II roofing bonds (up to $10,000) and Division I GC bonds (up to $20,000) see a documented post-storm application spike. Expect tighter underwriter credit review for first-time FL roofers during the 12 months after a major storm.
FRO scrutiny increases: CILB audit frequency on FRO-structured roofing entities rises after large events, making the $100K FRO bond under §489.1195 more frequently triggered.
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 \u2014 a meaningful carve-out for small post-storm emergency work.
Typical Post-Landfall Bond Demand Curve
Public adjuster applications +50\u2013100%. Emergency FDOT debris-removal bid bonds rise.
Out-of-state roofing contractor CILB apps surge. Division II Sub-660 bonds peak.
Division I GC bonds rise for rebuild work. Local §255.05 payment bonds cover reconstruction.
FRO bond ($100K) scrutiny intensifies. Public adjuster claim-handling audits drive apprentice bonds.
Sub-660 Bond vs. FRO Bond: Two Different Statutes
The single most common Florida contractor bond error \u2014 in marketing copy and in some BSB legacy pages \u2014 is conflating the Sub-660 credit-triggered bond with the Financially Responsible Officer bond. They are separate statutes, separate amounts, separate triggers, and an entity can be on the hook for both simultaneously.
Sub-660 Bond
Required when the applicant\u2019s credit score fails the CILB threshold. Not a permanent fixture \u2014 once the FRO\u2019s score rises above 660, the bond can be released at renewal. All specialty trade bonds (roofing, electrical, plumbing, HVAC, pool/spa, sheet metal, underground utility, solar) are this same bond at the Division II cap. Surety marketers rebranding separate trade bonds are selling the same instrument.
FRO Bond
Required when a business entity designates a Financially Responsible Officer to meet the qualifying-party requirement for a CILB license. Fixed at $100,000 \u2014 the Board does not scale it. The FRO remains personally responsible for the entity\u2019s financial obligations; the bond backs that responsibility. The earlier version of this page cited §489.119 for FRO \u2014 that is incorrect; §489.1195 is the operative statute.
Both bonds can apply at once. A Division I general contractor structured with an FRO who also has a FICO below 660 must post a $20,000 Sub-660 bond AND a $100,000 FRO bond. That is $120,000 of combined surety exposure. Request an integrated quote so we write both to the same indemnity agreement.
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
Sub-660 Contractor Bond
Division I (GC, Building, Residential) up to $20,000; Division II (specialty trades) up to $10,000. Triggered only when the FRO\u2019s FICO is below 660. Reducible 50% via the CILB-approved 14-hour financial responsibility course.
FRO Bond (separate statute)
Fixed $100,000 bond required when a qualifying business designates a Financially Responsible Officer under §489.1195. Distinct from the Sub-660 bond. 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 \u2014 two distinct thresholds, not one.
Other Construction-Related Bonds:
Motor Vehicle (FLHSMV)
Motor Vehicle Dealer
$25,000 uniform \u2014 franchise, independent, wholesale, auction, salvage. Form HSMV 86020.
Certificate of Title (Bonded Title)
2\u00D7 current retail value (KBB). 3-year term. Required when a vehicle has no title or defective title.
Mobile Home Dealer
$25,000 (≤4 supplemental licenses); $50,000 (5+).
Recreational Vehicle Dealer
$10,000 (≤4 supplemental licenses); $20,000 (5+).
Mobile Home Manufacturer
$50,000 fixed.
RV Manufacturer / Distributor
$10,000 fixed.
Mobile Home Installer Performance
$5,000 per installer.
Financial Services (OFR)
Mortgage Lender
$10,000\u2013$25,000 depending on license tier.
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
Online Notary (RON)
$25,000 additional bond for audio-video notarizations.
Auctioneer
$10,000. DBPR-administered.
Talent Agency
$5,000 fixed.
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\u2013$50,000 tiered by sales volume. Corrected from legacy $25K\u2013$50K range.
Telemarketer
$50,000. DACS-administered.
Pawnbroker
$10,000 if net worth under $50,000.
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 \u2014 §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 \u2014 no reduction.
Cigarette Stamping Agent
110% of 30-day tax liability; $2,000 minimum.
Motor Fuel Tax
3\u00D7 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 \u2014 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)\u2013(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\u2013100 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\u2019s Board of County Commissioners based on the money and property likely to pass through the officer\u2019s 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 \u2014 largest fixed-amount bond in Florida.
Pari-Mutuel Wagering
$50,000 fixed.
Citrus Fruit Dealer
$1,000\u2013$100,000 based on box volume. FDACS / Dept. of Citrus.
Agricultural Products Dealer
$5,000\u2013$100,000 (2\u00D7 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\u2013$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. Florida is the country\u2019s largest yacht brokerage market.
Yacht / Ship Salesperson
$10,000 fixed.
Preneed Funeral / Cemetery
Equals aggregate preneed contract liabilities (trust fund alt.).
Workers\u2019 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 \u2014 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 \u2014 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 underwriting 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.
Sub-660 Bond Deep Dive: The Credit-Score System
Florida\u2019s CILB is unusual: instead of a universal license bond, it runs a credit-threshold system. If your FICO is 660 or higher, you pay no surety premium to be licensed. Below that line, F.S. §489.115(7) activates a bond scaled to your license Division. For background see the contractor license bond requirements guide; to estimate premium, open the contractor license bond calculator.
Sub-660 Bond Decision Flow
CILB pulls FRO\u2019s FICO
At initial licensure, change of status, or renewal
FICO Threshold Check (F.S. §489.115(7))
No Sub-660 bond required. License proceeds without a surety obligation at initial issuance (FRO bond may still apply to entities \u2014 separate statute).
Division II Sub-660 Bond Equivalence (F.S. §489.115(7))
All specialty trade 'bonds' are the same $10,000 Division II Sub-660 bond \u2014 rebranded by trade.
Roofing Contractor
$10,000
Same Div II Sub-660 bond
Electrical Contractor
$10,000
Same Div II Sub-660 bond
Plumbing Contractor
$10,000
Same Div II Sub-660 bond
HVAC / Mechanical
$10,000
Same Div II Sub-660 bond
Pool / Spa
$10,000
Same Div II Sub-660 bond
Sheet Metal
$10,000
Same Div II Sub-660 bond
Underground Utility
$10,000
Same Div II Sub-660 bond
Solar Contractor
$10,000
Same Div II Sub-660 bond
F.S. §489.115(7); FAC 61G4-15.006
Sub-660 Bond Cost by Credit Score
Based on a $20,000 (Div I) / $10,000 (Div II) \u2014 reducible 50% via 14-hr course bond amount
- Near-Threshold (620–659)Rate: 2–4%$200 – $800/yr
- Fair (580–619)Rate: 4–7%$400 – $1,400/yr
- Below Average (540–579)Rate: 7–10%$700 – $2,000/yr
- Poor (500–539)Rate: 10–15%$1,000 – $3,000/yr
- Very Poor (below 500)Rate: 15%+$1,500 – $3,000+/yr
Sub-660 bond only applies when FICO is below 660 (F.S. §489.115(7)). Division I (GC, Building, Residential) = $20,000; Division II specialty trades = $10,000. Amount is reducible by 50% if the applicant completes the CILB-approved 14-hour financial responsibility course under FAC 61G4-15.006. Premiums depend on full underwriting review.
Cancellation mechanics: If the surety cancels the Sub-660 or FRO bond, DBPR must be notified 30 days in advance by certified mail. The contractor license may be suspended if no replacement bond is filed within the notice period. The surety remains liable for obligations incurred during the bond period, including the 30-day notice window. Plan bond replacements at least 45 days before expiration to avoid gaps.
Florida Public Works Bonds: The Two-Threshold Reality
F.S. §255.05 is Florida\u2019s Little Miller Act. The $200,000 cutoff that dominates competitor write-ups is only half the statute \u2014 and on state contracts it\u2019s 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\u2019s discretion. Many Florida local governments still require the bond below the threshold \u2014 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\u2019s lien transfer bond \u2014 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 and performance & payment bond hub 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.
Traditional Notary
Remote Online Notarization (RON)
Required in addition to the traditional $7,500 bond when performing RON services.
Bonds That DON\u2019T Require Sureties in Florida
A significant slice of competitor content markets surety bonds that have no statutory basis in Florida law. Here are the most common phantom bonds, the statute chapter that actually governs the license (if any), and why surety is not the regulatory instrument.
Florida \u2014 Phantom Bonds That Competitors Market
These bond types are actively advertised 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) | Same as Sub-660 | Electrical contractors use the Division II Sub-660 bond only when FICO <660 (F.S. §489.115(7)) |
| Plumbing Contractor (standalone) | Same as Sub-660 | Plumbers use the Division II Sub-660 bond only when FICO <660 |
| Roofing Contractor (standalone) | Same as Sub-660 | Roofers use the Division II Sub-660 bond only when FICO <660 |
| HVAC / Mechanical Contractor | Same as Sub-660 | Uses Division II Sub-660 bond only when FICO <660 |
| Landscape Contractor | Same as Sub-660 | Uses Division II Sub-660 bond only when FICO <660 |
| 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 \u2014 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
50+ verified 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.
| Bond Type | Amount | Statute |
|---|---|---|
| Sub-660 Bond — Division I | $20,000 | F.S. §489.115(7) |
| Sub-660 Bond — Division II | $10,000 | F.S. §489.115(7) |
| FRO Bond | $100,000 | F.S. §489.1195 |
| 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 | $10,000 | F.S. §494.0035 |
| Mortgage Lender | $10,000–$25,000 | 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 \u2014 not omissions.
Florida Metro Bond Markets
Where volume concentrates \u2014 and what drives it
Miami-Dade / Fort Lauderdale
Largest construction corridor and the center of the U.S. cruise-and-yacht brokerage market. Seller of Travel and Yacht/Ship Broker filings concentrate here, as do coastal condominium §255.05 payment bonds. Miami-Dade\u2019s 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 Division I Sub-660 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 \u2014 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: Sub-660 roofing bonds, Division I GC 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 \u2014 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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Construction
Business & Licensing
Specialty & High-Value
- Slot Machine $2M (§551.103)
- Public Adjuster $50K (§626.865)
- Nonimmigrant Alien Healthcare $500K
- Title Loan $100K per location
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How to Get Your Florida Bond
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Placement goes only to sureties authorized by the Florida Department of Financial Services (Treasury Circular 570 carriers for public-works bonds). During hurricane season we pull from pre-reserved post-landfall capacity so approval times stay under 24 hours.
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Florida Surety Bond Questions
Sub-660, FRO, public adjuster, §255.05 public works, health studio, seller of travel, and hurricane-cycle rules
When does Florida require a Sub-660 contractor bond?
What is the difference between the Sub-660 bond and 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?
Official Florida Resources
Primary .gov sources for Florida bond statutes and filings
Sub-660 credit threshold, FRO designation, 14-hour financial responsibility course, CILB licensing process
Sub-660 (§489.115(7)), FRO bond (§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-certified 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\u2019s 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) and verified before publication. BuySuretyBonds.com works with Treasury-certified, A- minimum rated surety carriers serving all 50 states.
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75+ verified Florida bond types \u2014 Sub-660, FRO, public adjuster, notary, dealer, court, and every other bond Florida requires \u2014 with pre-reserved hurricane-season capacity