Surety Bond Professionals provides specialized surety bonds in Florida and across the Southeast for contractors pursuing public, private, and municipal construction projects. We help contractors navigate Florida’s Little Miller Act (Statute 255.05) and federal bonding requirements with larger capacity, faster approvals, and more competitive terms.
With a dedicated Southeast presence, our team supports contractors working on everything from FDOT infrastructure projects to federal and commercial construction, utilities, and renewable energy developments.
We also support contractors needing construction bonds such as performance bonds, payment bonds, and bid bonds in Florida, structured to meet both state and federal requirements.
Required Surety Bonds in Florida
Typical Florida bonds include (click on any for more info):
| Surety Bond | Obligee | Bond Amount | |
|---|---|---|---|
| Alcohol Bonds | Various State Entities | Varies | Apply Now |
| Agricultural Dealer Bonds | Florida Department of Agriculture | Varies | Apply Now |
| Appeal/Supersedeas Bonds | Florida Appellate Courts | Varies | Apply Now |
| Attachment Bonds | Various Courts | Varies | Apply Now |
| Auto Dealer Bonds | Division of Motor Vehicles - Dealer Licensing Bureau | Typically $25,000 - $50,000 | Apply Now |
| Beach Renourishment Bonds | Federal Government | Varies | Apply Now |
| Bid Bonds | Project Owner or GC requiring bonds | Varies | Apply Now |
| Construction Bonds | Project Owner, Public Entity or GC Requiring Bonds | Varies | Apply Now |
| Contractor License Bonds | Various State/Municipal Entities | Varies | Apply Now |
| Court Bonds | Various Courts | Varies | Apply Now |
| Credit Repair Bonds | Florida Department of Banking and Finance | $10,000 | Apply Now |
| Cryptocurrency Bonds | Various State Entities | Varies | Apply Now |
| DMEPOS Bonds | Centers for Medicare and Medicaid Services (CMS) | $50,000 | Apply Now |
| Encroachment Bonds | Various State Highway Department | Varies | Apply Now |
| ERISA Bonds | Fund Beneficiaries | Often ~ $1,000,000 but may vary | Apply Now |
| Express Script Bonds | Express Scripts (required on a federal level) | $500,000 | Apply Now |
| Fidelity Bonds | Employer | Varies | Apply Now |
| Freight Broker Bonds (BMC-84 Bonds) | Federal Motor Carrier Safety Administration (FMCSA) | $75,000 | Apply Now |
| Health Club Bonds | The State in which the Health Club operates | $50,000 | Apply Now |
| Janitorial/Cleaning Service Bonds | Varies | Varies | Apply Now |
| License & Permit Bonds | Varies | Varies | Apply Now |
| Lost Instrument Bonds | Typically runs to the Transfer Agent | Varies | Apply Now |
| Lottery Bonds | Various Lottery Commissions | Varies | Apply Now |
| Maintenance Bonds | Project Owner or Municipality | Varies | Apply Now |
| Marijuana Bonds | Various State Entities | Varies | Apply Now |
| Mechanic's Lien Bonds | Typically the Local/State Registry of Deeds | Varies | Apply Now |
| Medicaid Bonds | Florida Agency for Health Care Administration | $50,000 per location, up to $250,000 | Apply Now |
| Money Transmitter Bonds | Florida Office of Financial Regulation | Varies | Apply Now |
| Mortgage Broker Bonds | Bank Commissioner, Banking Dept. | $50,000 | Apply Now |
| Notary Public Bonds | State of Florida | 7500 | Apply Now |
| Paid Family Medical Leave (PFML) Bonds | Various State Entities | Varies | Apply Now |
| Performance & Payment Bonds | Project Owner, Public Entity or GC Requiring Bonds | Varies | Apply Now |
| Probate & Fiduciary Bonds | Florida Probate Courts | Varies | Apply Now |
| Reclamation Bonds | Various Government Entities | Varies | Apply Now |
| Salvage Dealer Bonds | Florida Department of Highway Safety and Motor Vehicles | 25000 | Apply Now |
| Solar Decommissioning Bonds | Typically Town/City/State | Varies | Apply Now |
| Subdivision/Site Improvement Bonds | Various Municipal Entities | Varies | Apply Now |
| Supply Bonds | Project Owner or GC requiring bonds | Varies | Apply Now |
| Termite Bonds | Home or Business Owner | Varies | Apply Now |
| Title Bonds | State's DMV | Varies | Apply Now |
| Tobacco Bonds | Various State Entities | Varies | Apply Now |
| Utility Bonds | Utility Company | Varies | Apply Now |
Don’t see the bond you need listed? Get in touch and let our experts help!
Surety Bond Services for Florida Contractors
We provide a full range of construction surety bonds tailored to Florida’s unique regulatory environment, including:
- Florida Performance Bonds – Guarantee completion of public and private projects in compliance with state statutes.
- Florida Payment Bonds – Ensure subcontractors and suppliers are protected under Florida’s specific lien and bond laws.
- Florida Bid Bonds – Qualify for high-stakes public bidding and strengthen your pre-qualification package.
- Florida Maintenance & Warranty Bonds – Cover post-completion obligations often required by Florida municipalities.
- Comprehensive Bonding Programs – Scalable support for contractors bidding on FDOT, municipal work, or private developments in Miami, Tampa, Orlando, and Jacksonville.
Common Bonding Challenges for Florida Contractors
The Florida construction market is one of the fastest-growing and most competitive in the country. We help contractors overcome:
- Limited Bond Capacity: We increase single job limits and overall program size so you can pursue larger Florida infrastructure projects.
- Strict Underwriting: Navigate the complexities of bonding for heavy civil, multi-state operations, and specialty trades.
- Fast-Paced Bid Environments: Get the quick bond approvals and Bondability Letters needed to meet tight Florida bidding deadlines.
- Financial Positioning: As a CPA-led agency, we improve how your financials are presented to maximize support from over 40 surety markets.
How to Get a Surety Bond in Florida
- Submit Financials & Work Program: We evaluate your current backlog and upcoming Florida opportunities.
- Structure Your Program: We position your company to highlight strengths, specifically addressing Florida-market risks.
- Access Over 40 Surety Markets: We match your account with carriers that have a high appetite for Florida-based construction.
- Get Approved & Grow: Secure the capacity needed to win larger contracts and scale your operations.
Pro Tip: Contractors pursuing FDOT and large municipal work benefit from early bond program structuring. In Florida’s competitive landscape, having a Bondability or Prequalification Letter ready before the RFP is released can be a significant competitive advantage.
Why Contractors Choose Our Florida Surety Bond Agency
- Florida & Southeast Expertise: Deep understanding of the Miller Act andLittle Miller Act and regional market trends.
- Bond-Only Specialization: Unlike general insurance brokers who may only have access to a handful of markets, we provide access to over 40 specialized surety carriers.
- CPA-Led Strategy: Our leadership understands how financials must be presented to secure larger bond approvals
- Fast Turnaround Times: Responsive support and quick approvals to help meet tight Florida bid deadlines
Serving Contractors Across Florida & the Southeast
We actively support contractors bidding and working in Florida’s major construction markets, including: Miami | Tampa | Orlando | Jacksonville | Fort Lauderdale
Extended Reach: Georgia, North Carolina, South Carolina, Alabama, Tennessee
Greg Angel, CPA Vice President | Surety Advisor
M: 781-492-5134
O: 781-559-0568 ext. 104
Florida Surety Bond FAQs
Yes. We help contractors meet specific FDOT bonding requirements and secure the capacity needed for major transportation and infrastructure projects.
Florida Statute 255.05, known as the Little Miller Act, requires payment and performance bonds on most public works projects. We ensure your bonds are fully compliant with these state-specific protections.
Yes, Surety Bond Professionals can help increase your bonding capacity. We specialize in restructuring bond programs to increase single and aggregate limits by positioning your financial data more effectively to underwriters.
Most Florida surety bonds are approved within 24–48 hours, and contractors with established programs can often receive same-day approvals. Larger, more complex projects such as FDOT infrastructure or heavy civil work may require 3–5 days for a full underwriting review.
Related Florida Surety Bond Services
- Florida Performance Bonds
- Florida Payment Bonds
- Florida Bid Bonds
Get Approved for Surety Bonds in Florida
If you’re looking to increase bond capacity, win more bids, and grow your construction business, we can help.