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Manatee County pawnbroker bonds.
From $100.

A pawnbroker license in Manatee County is conditioned on a surety bond — a consumer-protection backstop for customers who pawn or sell property. The premium is 1% of your bond amount, $100 minimum — priced by the amount, not a credit tier.

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Required for a Manatee County pawnbroker license — new and renewing
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Sized to the amount the County requires — enter it to see your price range
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1% of the bond amount — $100 minimum, exact price in the calculator
1% rate$100 minimum, set by your bond amountNo credit reviewat standard amountsFastinstant underwriting for most
Trusted by industry leaders
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JLL (Jones Lang LaSalle)
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The Georgetown Company
How it works

Three steps. One sitting.

Most pawnbroker bonds price and issue instantly — enter your amount, apply, and you have the executed bond:

TODAY · ONLINE

Apply online

Your business details, the bond amount the County required, and the effective date — at the standard amounts, that is the entire application.

INSTANTLY, USUALLY

Priced and issued

Your price is set by the bond amount: 1% of it, $100 minimum. Larger amounts may get a quick review.

SAME DAY

File with the County

Submit the executed bond to Manatee County with your pawnbroker license application. Wet-ink originals mailed on request.

About this bond

What it is and who needs it.

What the pawnbroker bond actually covers

A pawnbroker bond is a consumer-protection guarantee. Pawnbrokers hold customers’ property and lend against it, so Manatee County conditions a pawnbroker license on a surety bond that backs honest dealing and proper return of pledged goods.

It's a three-party arrangement: you (the principal), the surety carrier, and Manatee County (the obligee), with customers as the protected parties. If a pawnbroker violates the pawn ordinance or mishandles pledged property, the harmed customer can recover against the bond.

Because the amount is set by the County, you enter whatever it named. The premium is 1% of that amount, $100 minimum — priced by the amount, not a credit tier.

Manatee County pawnbroker licenseManatee County requires a surety bond as a condition of a pawnbroker license. The bond amount and form are set by the Manatee County licensing authority (and Florida pawnbroking law, Ch. 539, F.S., governs the activity). Confirm the County-required amount before filing.

You need this bond if you are

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Applying for a Manatee County pawnbroker license — the bond is filed with your application
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Opening a pawn shop in Manatee County that requires a local license
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Renewing your pawnbroker license whose bond is expiring
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Reinstating a lapsed license after a surety non-renewal

One application, priced instantly.

Submit the application with the bond amount the County required — your price is set at the same time, ready to file.

Start the application →
FAQ

Common questions.

How much is the Manatee County pawnbroker bond?The premium is 1% of your bond amount, $100 minimum — priced by the amount Manatee County set for your license, not a credit tier. Enter the figure to see your exact price.
Who requires this bond?Manatee County requires it as a condition of a pawnbroker license; Florida pawnbroking law (Ch. 539, F.S.) governs the underlying activity.
Is there a credit check?Most applications approve instantly. It never affects your credit score.
What does the bond protect against?It protects customers against losses if you violate the pawn ordinance or mishandle pledged property. If the surety pays a claim, you repay the surety.
What amount should I choose if I'm not sure?Use the figure Manatee County gave you. If you are unsure, ask the County licensing office for the required amount and we will issue exactly that.
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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Pawnbroker bond, priced today.

Pricing from $100. Enter the amount the County required and see your price.

Your premiumfrom $100
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