Highlands County license & guarantee bonds.
$100 flat.

Highlands County requires its locally registered contractors to file a $10,000 license & guarantee bond with the County's Contractor Licensing office — ours is $100 flat, the price our carrier's rate book sets for this bond. The bond issues the moment you pay — no credit review of any kind, not even a soft pull.

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Required for your Highlands County contractor registration — new and renewing local contractors

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Fixed price, fixed amount — $10,000 bond, $100, no quote process

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Multi-year terms available — set it up once for up to 3 years

A-ratedA.M. Best carriersInstantunderwriting process1–3 yrterms available

Trusted by industry leaders

How it works

Three steps. One sitting.

County license bonds are the simplest thing in surety. Here's the entire process:

NOW · ONLINE

Apply online

Business details and an effective date. That's the application — no financials, no credit fields, no follow-up.

MINUTES, USUALLY

Pay & e-sign

County license bonds like this are among the thousands of bond types that issue right after purchase.

SAME DAY

File with the county

Your executed bond and power of attorney arrive by email, ready to file with Highlands County Contractor Licensing. Wet-ink original mailed on request.

About this bond

What it is and who needs it.

What the bond actually guarantees

A license & guarantee bond is a compliance and consumer-protection guarantee. Highlands County wants a financial backstop that you'll build to the adopted codes and abide by the County's contractor-licensing ordinance.

It's a three-party arrangement: you (the principal), the surety carrier, and Highlands County (the obligee), with county residents as the protected parties. If a contractor violates the licensing ordinance or leaves work that harms a customer, the harmed party can recover against the $10,000 bond.

The bond must stay active for the life of your county registration. Let it lapse and your local license can be suspended — so we track it and notify you 60 and 30 days out, keeping your $10,000 filing continuous.

Highlands County Contractor LicensingHighlands County requires locally registered contractors to file a $10,000 license and guarantee bond as a condition of county contractor registration. The bond amount and form are set by the Highlands County Building Department / Contractor Licensing office. Confirm the current requirement with the County before filing.

You need this bond if you're

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Registering as a contractor with Highlands County — the bond is filed with your registration

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Renewing your county registration and your bond is expiring

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A state-certified contractor working in Highlands County that the county asks to register locally

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Reinstating a lapsed registration after a surety non-renewal

One application, issued instantly.

These are the actual issuing fields — the application collects no credit information, because this bond doesn't need any.

Start the application →

FAQ

Common questions.

How much is the Highlands County license & guarantee bond?The premium is $100 flat — set by our carrier's rate book for this specific bond, not a percentage of the $10,000 amount. Same price for every contractor, and there is no quote process.

Do I pay the $10,000?No. You pay $100. The $10,000 is the surety's maximum liability if a valid claim is made against the bond — not a deposit, and nobody holds your money.

How fast will I have the bond?County license bonds like this are among the thousands of bond types that issue right after purchase — many contractors finish the application and have the bond in the same sitting.

Is there a credit check?The application collects no credit information, so most applicants see no credit step at all. No impact on your score.

When does it renew?The bond must stay active for as long as you hold your county registration. You can buy a 1, 2, or 3-year term; we send renewal notices 60 and 30 days out, with autopay available.

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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Finish your county registration today.

$100 flat, no credit review, bond often issued in the same sitting. Free until issued.

Start application

Your price$100

Apply now →