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Florida business services bonds.
$632 flat.
This is the $250,000 employee-dishonesty limit written for a Florida service business with 6 or fewer employees — the tier a small crew reaches for when a high-value client asks for a six-figure number. It is $632 flat, the application collects no credit information, and most approve instantly.
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Three steps. One sitting.
A six-figure limit does not mean a six-figure application. Here is the entire process:
Apply online
Business details, the owner, and an effective date. No financial statements, no credit section, and no headcount audit — the tier already assumes a crew of six or fewer.
Pay & e-sign
Bonds at this tier are among the thousands of bond types that issue right after purchase.
Send it to the client
Your executed bond arrives by email, ready to hand to the estate manager, family office, association, or commercial client whose contract set the limit. Wet-ink original mailed on request.
What it is and who needs it.
What a $250,000 limit is for
A business services bond reimburses your client when a covered employee steals money or property while working on their premises. It is not required by any Florida statute and there is no state filing — it exists because the person hiring you set a number in a contract. This page is the tier that carries a $250,000 limit for a business with 6 or fewer employees.
Small Florida operators end up here more often than the size of the crew suggests. A two-person team cleaning waterfront homes in Naples or Palm Beach, a concierge or estate-management service with keys and alarm codes, a small crew servicing a portfolio of luxury vacation rentals in the Keys or the Panhandle — the headcount is tiny but the property inside each door is not, and the client's counsel writes the limit against the property, not the payroll. This tier exists precisely for that mismatch.
The mechanics are the same at every limit. The client is the protected party, not you; the surety pays a proven claim and then looks to you for repayment, because surety is a guarantee rather than insurance. Coverage does not extend to volunteers or 1099 contractors, and the tier is banded by headcount — a business that grows past six employees should move to the matching band rather than renew this one unchanged.
You need this bond if you're
One application, issued instantly.
These are the actual issuing fields — no credit section, because this bond's application doesn't collect credit information.
Start the application →Common questions.
Other Florida bonds.
Six-figure limit, same-sitting bond.
$632 flat, no credit section, bond often issued in the same sitting. Free until issued.