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Florida premium finance company bonds.
$350 flat.
Florida licenses insurance premium finance companies under Part XV of Chapter 627, and each licensee must maintain a net worth of $35,000 or, with a net worth of $10,000, file a $35,000 surety bond or other approved collateral instead (Fla. Stat. § 627.828). Ours is $350 flat.
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Three steps. One sitting.
Premium finance company bonds are among the simplest filings in surety. Here's the entire process:
Apply online
Business details, an effective date, and a term. That is the entire application — no financials, and any credit screen is a soft pull that never shows as a hard inquiry.
Pay & e-sign
This bond is checkout-priced at $350 flat, so it issues the moment you pay — your executed bond and power of attorney generate on the spot.
File with the state
Your executed bond arrives by email, ready to file with your premium finance company license at the Office of Insurance Regulation. Wet-ink original mailed on request.
What it is and who needs it.
What the bond actually guarantees
Part XV of Chapter 627 of the Florida Statutes governs insurance premium finance companies — businesses that advance the premium on a policy and collect it back from the insured in installments — licensed through the Office of Insurance Regulation. Under § 627.828, every licensee must maintain a net worth of $35,000; a company with a net worth of $10,000 may instead file a $35,000 surety bond or other collateral acceptable to the office, and keep it in force for as long as it relies on the alternative.
It's a three-party arrangement: you (the principal), the surety carrier, and the state. The bond stands in for the capital cushion the statute would otherwise demand — financial security that the company conducts its premium finance business in accordance with Part XV, protecting the insureds and insurers who move money through your agreements.
It is not insurance for you — if the surety pays a claim, you repay the surety. The bond must be maintained continuously while you rely on it in lieu of the full net-worth showing; we track the term and send renewal notices 60 and 30 days out.
You need this bond if you're
One application, issued instantly.
These are the actual issuing fields — business details, an effective date, and a term. That is the entire application.
Start the application →Common questions.
Other Florida bonds.
Premium finance bond, issued today.
$350 flat, issued the moment you pay, soft pull only. Free until issued.