Dealer, contractor, title agency, notary and construction bonds, placed by a licensed Florida agency in Naples. Tell us which bond the state or county is asking for and we quote it through our wholesale desk, usually the same day.
Every card shows who typically must carry the bond and a rough premium range. The final rate is set by the surety, mostly on credit, so treat the ranges as orientation, not a quote.
Who needs itDealers licensed by FLHSMV — independent, franchise, wholesale and auction.
The $25,000 surety bond Florida requires with a motor vehicle dealer licence. It renews with the licence year, and the state will not issue or renew the licence without it.
Typically $250–$1,000/yr, credit-based
Who needs itContractors whose county licensing board, or the state CILB (including financially responsible officer situations), requires a bond.
A licence bond that satisfies the county or state condition standing between you and registration — for a contractor, the difference between pulling permits and not. Amounts are set by the board.
Typically $100–$300/yr, credit-based
Who needs itFlorida title insurance agencies licensed by DFS. Required by Fla. Stat. 626.8418.
The $35,000 surety bond a Florida title agency must keep on file for its licence. We work with title agencies on the lending side every week, so we know what DFS expects in the filing.
Typically $200–$500/yr, credit-based
Who needs itThe same DFS-licensed title agencies — Fla. Stat. 626.8418 requires this alongside the surety bond.
Covers employee dishonesty against escrow and trust funds. Priced on staff count and controls rather than credit alone, and usually written together with the $35,000 surety bond.
Typically a few hundred dollars a year
Who needs itEveryone applying for or renewing a Florida notary commission.
The $7,500 bond that must accompany every Florida notary application, written for the full four-year commission term. Often bundled with the application filing itself.
Usually under $100 for the 4-year term
Who needs itNotaries registering as online notaries under s. 117.225 — the RON registration requires both pieces.
Remote online notarization needs a $25,000 bond and $25,000 of errors & omissions cover on top of the standard commission. We place both together so the registration goes in complete.
Typically $150–$400 for the term
Who needs itCommercial telephone sellers and sellers of travel registering with FDACS.
Florida sets the security amount with the registration — commonly in the $25,000–$50,000 range depending on the programme. These classes are underwritten more carefully, so start early.
Credit-driven; often 1–5% of the bond amount/yr
Who needs itGyms and health studios registering with FDACS that sell memberships or contracts in advance.
Protects members' prepaid dues if the studio closes. The state sets the amount from the contracts you sell, up to $50,000; exemptions exist for some billing models, and we check that first.
Credit-driven; often 1–5% of the bond amount/yr
Who needs itBrokers licensing in states that still require a bond through NMLS, or meeting an investor or programme condition. Florida's own OFR broker licence does not currently require one.
We sit on the mortgage side of this business ourselves, so we can tell you quickly whether the requirement in front of you actually calls for a bond and place it if it does.
Typically $200–$600/yr per state, credit-based
Who needs itContractors bidding public work in Florida, or private jobs where the owner requires bonding.
Contract bonds that guarantee the job gets finished and the subs and suppliers get paid. Underwritten on financial statements and work history rather than a flat rate, so larger requests take longer than a licence bond.
Commonly 1–3% of the contract amount
Every bond is quoted through our wholesale desk, usually same day.
Wolf Insurance is a Florida-licensed agency (L115998) with a named agent in charge. If the obligee questions the filing, there is a licensed professional on record who answers for it.
Permit and licence applications rarely ask for the bond alone. We also write the general liability, workers comp and commercial auto, so the bond and the certificates come from one place instead of three.
Our compensation comes from the surety, not on top of your premium. If a bond is not actually required for your situation, we say so instead of selling it.
Every application, indemnity agreement and conversation in English or Spanish. Not a translated afterthought.
No. A bond is a guarantee to someone else — the state, a county, a project owner — that you will perform. If the surety pays a claim, it seeks that money back from you. That is why bonds are underwritten on credit and financial strength rather than loss history.
Licence and permit bonds with clean credit are usually quoted the same day through our wholesale desk, and many can be issued as soon as the indemnity paperwork is signed. Performance and payment bonds take longer because they are underwritten on financials.
The exact bond form or statute the obligee is citing, the bond amount if it is stated, your business details, and consent to a credit check for the owner or principal. Email those and we come back with a number.
Usually yes. Challenged credit moves the rate up rather than making the bond unavailable, and some classes have programmes built for it. We will tell you the honest number before you commit.
Name the bond, the amount if you know it, and where it has to be filed. We do the rest.