Florida employee dishonesty bonds.
$437 flat.

This is the $25,000 business services tier, written for a Florida service business with 7 to 15 employees. It reimburses your client — not you — if a covered worker steals money or property on the job. The premium is $437 flat, and the price you see is the checkout price. The application collects no credit information.

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Written at a $25,000 limit — the tier property managers and commercial specifications ask for most often

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Priced at $437 flat — no calculator, no quote round-trip

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No credit section in the application — most applicants approve instantly, 1–3 year terms available

$437 flatno percentage, no minimumInstantissued the moment you pay1–3 yrterms available

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How it works

Apply to bonded in one sitting.

No agency approval sits between you and this bond — the price is final at checkout. Here is the whole thing:

TODAY · ONLINE

Apply online

Business details, the owner, and an effective date. No financial statements and no credit section — the $25,000 limit is already set by the tier.

INSTANTLY

Issued on payment

The price is verified against live checkout, so the $437 you saw is the $437 you pay. Most applications approve instantly.

SAME DAY

Send it to the client

Your executed bond arrives by email, ready for the property manager, association, or commercial client who asked for proof. Wet-ink original mailed on request.

About this bond

What it is and who needs it.

What the $25,000 tier actually covers

A business services bond — also sold as a janitorial service bond or an employee-dishonesty bond — pays your customer when one of your workers steals from them. It is not a license bond: no Florida statute requires it, and no state agency receives a copy. It is a commercial guarantee that lives entirely inside your contracts.

The $25,000 limit is the level most Florida commercial work asks for. Office-cleaning specifications, portfolio property-management agreements, and community-association vendor packets tend to name a five-figure dishonesty limit rather than the small headline number, because the exposure a crew creates across a whole building is not the exposure of a single house. That is also why the coverage is banded by headcount — this tier is written for 7 to 15 employees.

Two exclusions decide whether this is the right product. The policy does not cover volunteers or 1099 contractors, so a Florida operator running mostly subcontracted crews should tell us before buying. And because it is surety rather than insurance, you indemnify the surety — a paid claim is money you owe back. The bond is bought to win the contract and reassure the client, and the real protection is still your hiring and key-control discipline.

Private contractual requirement — not a Florida statuteNo Florida statute, board, or department requires a business services bond, and there is no state filing to make. The requirement comes from the contract in front of you: commercial janitorial specifications, property-management and vacation-rental service agreements, and association vendor packets commonly require a vendor to carry employee-dishonesty coverage at a stated limit. Community-association work is where most Florida vendors first meet the request — Fla. Stat. § 718.111(11)(h) requires a condominium association to maintain insurance or fidelity bonding for all persons who control or disburse association funds, and boards familiar with that requirement routinely ask the same of vendors with unit access. Confirm the limit and the employee band your contract names; the $25,000 amount here is the tier written for 7 to 15 employees.

You need this bond if you're

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Bidding Florida commercial cleaning where the specification names a five-figure employee-dishonesty limit

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A property-services vendor under contract to a management company that holds keys across a portfolio

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Serving condominium or HOA clients whose board wants vendor coverage alongside the association's own bonding

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Growing past the small tiers and being asked to raise your limit at renewal

One application, issued instantly.

These are the actual issuing fields. There is no credit section, and the $25,000 limit is already fixed by the tier — nothing to size.

Start the application →

FAQ

Common questions.

How much is the $25,000 business services bond?The premium is $437 flat — set by our carrier's rate book for this tier, the same for every business at this employee band. The $25,000 limit is fixed by the tier you're buying, so there is no quote process.

Do I pay the full bond amount?No. You pay $437. The $25,000 is the surety's maximum liability to a harmed client if a covered employee steals — it is a ceiling on the guarantee, not a deposit, and nobody holds your money.

What does the bond guarantee?That your customer is made whole, up to $25,000, if one of your covered employees steals money or property from their premises while working. The customer files the claim; the surety pays them; you then repay the surety. It is not insurance for your business.

Where do I file it?Nowhere. There is no Florida agency to file with — you send the executed bond to whoever asked for it: the property manager, the association, the general contractor, or the client's procurement contact. Most people just forward the PDF.

Is there a credit check?The application collects no credit information, and most applications approve instantly. If a check ever runs on this bond, it's a soft pull that won't affect your score.

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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