Florida business opportunity bonds.
$250 flat.

Florida requires a business-opportunity seller that makes the earnings representations described in the statute to post a $50,000 surety bond with FDACS under F.S. 559.807. Ours is $250 flat — the price you see is the checkout price, identical for everyone. A quick soft credit check may apply; the bond is issued when you pay.

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Required when a seller makes the earnings claims in F.S. 559.801 — under the Sale of Business Opportunities Act

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Fixed amount, fixed price — $50,000 bond, $250, no quote theater

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A quick soft credit check may apply — never a hard inquiry, no impact on your score, and the price stays $250 flat either way

A-ratedA.M. Best carriersInstantissued the moment you paySoft pullnever affects your score

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How it works

Three steps to compliant.

Your business-opportunity registration with FDACS may be waiting on this bond. Here's the whole process:

TODAY · ONLINE

Apply once, online

Business details, owner information, effective date. The only extra step is a one-time consent to a soft credit pull.

RIGHT AWAY

Approved

Most are approved as soon as you apply. The soft pull never affects your score. If it needs a second look, one to two business days at most.

WHEN YOU PAY

File with FDACS

Pay online and receive the executed $50,000 bond, ready to file with your business-opportunity filing. Wet-ink originals mailed whenever the Department insists.

About this bond

What it is and who needs it.

What the bond actually guarantees

Florida's Sale of Business Opportunities Act (F.S. 559.80–559.815), administered by FDACS, regulates sellers of business opportunities (sometimes called seller-assisted marketing plans). A seller that makes certain earnings or buy-back representations under the Act must obtain a $50,000 surety bond (or an equivalent CD or letter of credit) under F.S. 559.807.

The bond runs in favor of FDACS for the benefit of any person injured by the seller's fraud, misrepresentation, breach of contract, financial failure, or any violation of the Act. It is a consumer-protection guarantee for the buyers who pay into a business-opportunity program.

It is not insurance for you. If the surety pays an injured purchaser, you repay the surety. Note the trigger: the bond is required when the specific earnings representations apply — if you do not make those claims, the bond may not be required, so confirm before you buy.

F.S. 559.807 (FDACS, Sale of Business Opportunities Act)Under Florida Statutes 559.807, a business-opportunity seller that makes the earnings or buy-back representations described in F.S. 559.801(1)(a)3. must obtain a surety bond of at least $50,000 (or an equivalent certificate of deposit or letter of credit), in favor of FDACS for the benefit of any person injured by the seller's fraud, misrepresentation, breach of contract, financial failure, or violation of the Act. The bond is tied to making those representations — confirm it applies to your offering.

You need this bond if you're

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A business-opportunity seller making earnings claims that trigger F.S. 559.807

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Offering a seller-assisted marketing plan with income or buy-back representations

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Registering with FDACS under the Sale of Business Opportunities Act

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Renewing a business-opportunity filing whose current bond is expiring

One application, issued instantly.

These are the actual underwriting fields, including a one-time consent to a soft credit pull. Submit once and your bond is issued when you pay.

Start the application →

FAQ

Common questions.

How much is the Florida business opportunity bond?The premium is $250 flat — the price you see is the checkout price, the same for everyone. When required, the $50,000 bond amount is set by statute, so there is no quote process.

Do I always need this bond?No. Under F.S. 559.807 the $50,000 bond is required when a seller makes the specific earnings or buy-back representations described in the Act. If your offering does not make those claims, the bond may not be required — confirm before purchasing.

Do I pay the $50,000?No. You pay $250. The $50,000 is the surety's maximum liability to injured purchasers — not a deposit, and nobody holds your money.

Is there a credit check?A quick soft credit check may apply — never a hard inquiry, and it never affects your score. It helps set approval; the price stays $250 flat either way.

Can I use a CD or letter of credit instead?Yes — the Act accepts a $50,000 certificate of deposit or letter of credit in lieu of a surety bond. A bond is usually cheaper, since you pay a $250 flat premium rather than tying up $50,000 in cash or bank collateral.

Which A-rated carriers underwrite these bonds?Typically Arch Insurance Company (A.M. Best A+) or Nationwide Mutual Insurance Company (A.M. Best A). Which one writes your bond depends on the bond type and your state. The carrier's name and official signature are printed on the bond you receive.

How do I contact Light RFP about this bond?Email insurance@lightrfp.com. It reaches the bond team at Light RFP Risk Management Services LLC (NY DFS License # PC-1978982). Write to us about quotes, applications, bond forms or certificates. We will respond within 24 hours.

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FDACS is waiting on one document.

$250 flat, short application, bond issued when you pay. Free until issued.

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