Contractor License Bond
DBPR - CILB financial responsibility when FICO is below 660
Florida does not require a flat contractor license bond for all applicants. When FICO-derived credit is below 660 (or other financial-responsibility triggers apply), CILB requires a surety bond or letter of credit sized by division — plus a separate FRO bond when a financially responsible officer is designated.
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A Florida contractor financial-responsibility bond is the surety security DBPR - CILB may require under Chapter 489 and FAC 61G4 when an applicant cannot satisfy credit-based financial responsibility, or when an FRO bond is required.
The surety bond guarantees that the principal will perform the duties required under Fla. Stat. ch. 489; FAC 61G4-15.006; FAC 61G4-15.0021 up to the penal sum.
A claim may arise if the principal fails to comply with the bonded Florida obligation or causes covered loss to the obligee or protected parties.
If a claim is valid, the surety may pay up to the bond penalty according to the bond terms; the principal remains liable to reimburse the surety.
Amount, premium, term, and the authority that requires this filing.
Division I or Division II contractor applicants or renewals who do not meet the 660+ credit path, and entities that designate a Financially Responsible Officer under Fla. Stat. § 489.1195.
Confirm whether you qualify on credit alone, need a sub-660 bond, and - or need the $100,000 FRO bond, then file the DBPR-acceptable form with the exact penal sum.
Share your license type, court order, or obligee form and the exact penal sum required by Florida Department of Business and Professional Regulation — Construction Industry Licensing Board (DBPR - CILB).
We review credit and filing details, then quote premium options through licensed surety markets.
Once approved, we issue the bond for delivery to Florida Construction Industry Licensing Board - DBPR or for your Florida filing package.
The amount is Sub-660 path: $20,000 Division I or $10,000 Division II (often reduced 50% after a board-approved 14-hour financial responsibility course). FRO bond: $100,000 when a financially responsible officer is used. Not required for applicants who satisfy credit-based financial responsibility., as set under Fla. Stat. ch. 489; FAC 61G4-15.006; FAC 61G4-15.0021 and confirmed with Florida Department of Business and Professional Regulation — Construction Industry Licensing Board (DBPR - CILB).
The obligee is typically Florida Construction Industry Licensing Board - DBPR. Always match the exact name on the Florida form.
Many Florida filings can be underwritten the same day when documents and credit are complete; complex amounts may take longer.
Not always. Premium and collateral options vary by credit and bond size — ask for markets that still write the risk.
Most bonds renew on the term shown (1 Year). Keep continuity so your Florida license or filing does not lapse.
Next step
We’ll match the requirement and route the application.
Apply for this bond