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A Florida game promotion (sweepstakes) operator running prizes worth more than $5,000 must either set up a trust account or post a surety bond equal to the total value of all prizes offered, under §849.094, F.S. Pricing is 2% of the bond amount, $100 minimum — your exact price is calculated instantly in the calculator below.
















The bond and the operating-rules filing are due at least 7 days before your promotion begins. Here is the whole process:
Your business details, the total prize value, and the effective date. The only extra step is a one-time consent to a soft credit pull.
Most clear quickly; larger prize pools are underwritten, and an underwriter reaches out within 48 hours if anything else is needed. The credit check is a soft pull that never affects your score.
Pay online and file the executed bond with your operating rules, at least 7 days before the promotion starts. Wet-ink originals mailed whenever the department insists.
Florida regulates game promotions — sweepstakes, contests, and prize giveaways run with the sale of consumer products or services — under §849.094, F.S., administered by the Department of Agriculture and Consumer Services. When the total announced value of prizes exceeds $5,000, the operator must guarantee the prizes.
There are two accepted ways to do that: establish a trust account with a balance sufficient to pay all prizes, or post a surety bond in an amount equal to the total value of all prizes offered. The statute requires the bond to equal that total at all times. The operating rules and the security must be filed with the department at least 7 days before the promotion begins.
The bond guarantees that winners actually receive the prizes promised. If the operator fails to award them, a claim can be made against the bond — and if the surety pays, the operator repays the surety. Enter your total prize value, and we price the bond at 2% of the bond amount, $100 minimum, with a soft credit check that never affects your score.
These are the actual underwriting fields, including a one-time consent to a soft credit pull. Larger prize pools are reviewed before they issue.
Start the application →Premiums from $100, short application. File at least 7 days before the promotion starts.