Surety Bonds
Fast. Affordable. Done Right.
Contractor license bonds, performance & payment bonds, permit bonds, court bonds, and more — Bulls Insurance Group places surety bonds for Florida contractors, businesses, and court-appointed fiduciaries. Most bonds issued same day.
How Surety Bonds Actually Work
Bonds are not the same as insurance. Here's the quick version.
01
Three Parties
A bond involves three parties: you (the Principal), the party requiring the bond (the Obligee — your client, the government, or a court), and the bond company (the Surety) that backs the guarantee.
02
The Guarantee
You pay a small annual premium — typically 1%–3% of the bond amount. In return, the surety guarantees that if you fail to meet your obligation, they'll pay up to the bond amount to the Obligee.
03
Not Insurance for You
Unlike insurance, if the surety pays a claim, they come back to you for reimbursement. Bonds are a financial guarantee, not protection from your own mistakes. That's why bonds are different from GL insurance.
04
Fast & Affordable
Most contractor license bonds and small permit bonds can be issued same day with minimal underwriting. Larger performance bonds require financials and experience verification — we walk you through it.
Every Bond Type We Place in Florida
Select a bond type to see full details.
Contractor License Bonds
Most CommonWhat It Does
Required by Florida DBPR for licensed contractors before they can pull permits, bid on jobs, or operate legally. The bond guarantees you'll follow state laws and pay for damages if you don't.
Typical Bond Amount
Typically $5,000 – $50,000
Who Needs This
General contractors, electricians, plumbers, HVAC, roofers, and all other licensed trades.
Key Details
Ready to Get Bonded?
Most Florida contractor license bonds and permit bonds can be quoted and issued the same day. No lengthy underwriting for bonds under $50K.
Get My Bond QuoteFlorida Businesses That Need Bonds
If Florida law, a court, or a client requires it — we write it.
Licensed Contractors
Florida requires a license bond for most contractor license types before DBPR issues or renews your license. Without it, you cannot legally operate.
Government Project Bidders
Any contractor bidding on a federal, state, county, or school district project over the threshold must provide bid, performance, and payment bonds.
Auto Dealers
Florida requires a dealer license bond from all motor vehicle dealers as a condition of licensing through DHSMV.
Mortgage Brokers
Florida-licensed mortgage brokers and lenders must file a surety bond with the OFR as part of their licensing requirements.
Court-Appointed Fiduciaries
Guardians, trustees, and estate administrators are often required to post a court bond before assuming control of assets.
Service Businesses
Cleaning companies, lawn services, caregivers, and other businesses that enter client homes benefit from business service bonds.
Bonds Are Not a Replacement for General Liability
Surety Bond
- Guarantees your performance or honesty
- Required by law, court, or contract
- You reimburse the surety if they pay a claim
- Protects your clients, not you
General Liability Insurance
- Covers accidents and property damage
- Required by GCs and job sites
- Insurer pays — no reimbursement from you
- Protects you from third-party claims
Most Florida contractors need both — a license bond AND general liability insurance. We help you get both in one conversation.
Why Florida Businesses Get Bonded Through Bulls
Fast, affordable, and done right. We've placed every type of Florida bond — and we make the process simple.
Florida Bond Specialists
We place bonds daily for Florida contractors, businesses, and court-appointed fiduciaries. We know every bond type required by DBPR, DFS, and Florida courts — no guessing.
Same-Day Issuance
Most contractor license bonds and small permit bonds are quoted and issued the same day. No waiting a week for paperwork your client or the state needs immediately.
All FL Bond Types
One agency for every bond you need — license, performance, permit, court, bid, and business service. We don't send you to three different places to get compliant.
Contractor-Focused
We specialize in Florida contractors. We understand DBPR licensing, county permit requirements, and exactly what's needed to keep your license active and your jobs legal.
Low Rates, Fast Approval
We shop multiple sureties to get you the lowest rate on the bond amount you need. Most small bonds cost less per year than a single lunch on a job site.
Bond + Insurance Together
Most contractors need both a license bond AND general liability. We handle both in one conversation — one agency, one renewal reminder, one relationship that covers your whole business.
Get Your Surety Bond
Quoted Today
Most Florida contractor license bonds and permit bonds are quoted and issued same day. Performance and payment bonds typically take 2–5 days depending on project size. Tell us what you need and we'll move fast.
Surety Bond Quote
Tell us what you need and we'll move fast.