100+ Years of Combined Experience
Dedicated Strategic Partners
Connecting our clients with the best network of industry partners, sureties and contractors.
Highly Regarded Experts
We raise the bar for what construction business owners expect from their bonding agent.
65+ Surety Partners
Exclusive programs and rates for our customers, in partnership with over 65 surety companies.
Woman-Owned Business
Our purpose is steadfast in nurturing client's growth and protecting their interests.
What We Do
Surety Bond Leaders
We are dedicated to providing fast, friendly, responsive service and being there for our clients through the good, bad and the ugly.
Types of Construction Bonds
Below are some of the most common types of construction bonds that protect project owners and contractors. Learn more and apply for your bond today.
A surety bid bond is a type of guarantee used in construction and project bidding. It assures the project owner (called the obligee) that the contractor (the bidder) will honor their bid and, if awarded the contract, will follow through by providing required performance and payment bonds. If the contractor fails to do so, the surety (usually an insurance company) covers the financial loss up to the bond amount. Read More
A surety performance and payment bond is a financial guarantee used in construction projects. It ensures that the contractor will complete the project as agreed (performance bond) and pay all laborers, suppliers, and subcontractors involved (payment bond). If the contractor fails to meet these obligations, the surety company steps in to cover losses or complete the work. Read More
A surety subdivision bond is a guarantee required by local governments from land developers. It ensures that the developer will complete public improvements—like streets, sidewalks, or utilities—within a new subdivision, according to approved plans. If the developer fails to do so, the surety company covers the cost to finish the work. Read More
A surety supply bond is a type of guarantee that ensures a supplier will deliver materials or equipment as agreed in a contract. If the supplier fails to meet the terms—such as delivering on time or providing the correct items—the surety company compensates the buyer or finds another supplier to fulfill the contract. Read More
A surety maintenance bond is a guarantee that protects the project owner against defects in workmanship or materials for a specified period after a project is completed. If issues arise due to the contractor’s work, the surety covers the cost of repairs or corrections during the maintenance period. Read More
Proven & Trusted
Trusted by leading surety companies
Florida Surety Bonds is the premier surety agency that construction business owners trust with their bonding. Our relationships and reputation with our 65+ surety partners give us exclusive access to surety programs and rates.
Integrity is the foundation on which our clients, sureties, and staff build relationships and trust
Our Misson
Building businesses is the heart of our work
We know what’s at stake for our clients, their employees and their families. Our purpose is steadfast in nurturing their growth and protecting their interest.
Best Service and Bonding Rates in Florida
Independent, Family-Owned Surety Agency
Fast, Seamless Surety Bond Solutions
Raising the bar for what construction business owners expect from their bonding agent.
Our Misson
While other surety agencies are being acquired by insurance conglomerates that prioritize commission over their clients best interests, our purpose is steadfast in doing what’s best for our clients, nurturing their growth, protecting their interests and providing excellent surety bonding service and counsel.
Our professionally licensed team are the driving force in making Florida Surety Bonds an award-winning organization
Jeff Reich
Susan Reich
Kim Niv
Bob O'Linn
Sarah O'Linn
Sonja Harris
Nathan Reich
Cheryl Foley
Emily Golecki
Leading Surety Agency
Florida Surety Bonds is the leading independently-owned surety agency that business owners trust.
We don’t have red tape, big committee meetings or long chains of command. Rather we have a small, dedicated team of 24/7/365 service making quick decisions and focused on finding solutions to your insurance and bonding needs.
What our clients say is extremely important to us
From the minute I received a call back from Sonja Harris to the time I was bonded was less than 2 hours. Application was quick, payment was a snap and within minutes I had a policy printed for my intended use. I cannot recommend Sonja enough for her quick response time and knowledge in the industry.
Joshua Baker
I have had a relationship with Kim Nav at Florida Surety Bonds for over 20+ years and I cannot compliment them enough! By far the BEST bonding agent ever. Quick to respond to last minute request by my clients and provides excellent service. Kim is extremely professional while providing her knowledge of the construction industry to her clients.
Tisha Baker
I have had the pleasure of working with Cheryl Foley at Florida Surety Bonds. She and her team are very quick to respond and always act with a positive, professional demeanor. I am happy to have them as one of our partners.
Lindsey Buchanan
Stay up-to-date with construction, contracts and surety insights.
Our mission is to arm you with the industry insights, contract clauses and guidance needed to protect your business and reputation.
Commonly asked questions
A guarantee to the obligee that the principal will fulfill an obligation or series of obligations. In the event the principal fails to do so, the obligee will recover from the surety bond. The surety, through the indemnity agreement, will expect reimbursement from the principal.
The Performance Bond guarantees to the owner/obligee that you will perform the work as per the terms of your contract. If you do not perform, the obligee may put you default and ask the surety to remedy. The options of the surety at that point are determined by the terms in the bond and your contract. The Payment Bond guarantees that you will pay your suppliers and subcontractors as per the terms of the applicable statute or terms of the Payment Bond. Depending on the bond form, this coverage may extend to tiers below your direct suppliers or subcontractors. If these vendors make proper claim on the Payment Bond, the surety may be required to pay these vendors directly. What differentiates a surety bond from insurance is that you are required to sign an indemnity agreement that states that if the surety incurs expenses or loss as a result of providing a bond for you, they expect that you will repay the surety. The terms of the indemnity agreement and State law dictate when or how the surety might pursue repayment.
It is similar to applying for a bank loan. It gets more complicated if you need a large bond. If you need a bond under $500,000, we might be able to get it approved with minimal information if you have clean personal credit. For larger bond programs, we will need to obtain information from you that will allow the bonding company to understand your character, ability, and financial condition. How much information do we need? Best to give us a call and we’ll try to make it as simple as can. The process can be very fast, but it’s best if you discuss the pros and cons of various options so you do what’s best for you.
Premiums vary from Client to Client depending on the type of bond, quality of financials & surety company. Bid bonds are usually free. There is usually just one charge for a combined Performance & Payment Bond. Depending on circumstances, these rates can average to be less than 1% of the contract price up to about 3% of the contract price. We would be happy to review your situation and let you know what rates roughly what rates you might be able to use, and further, tell you what you could do in the future to obtain lower rates in the future.
Yes. A lot of our sureties understand that after the Great Recession, not everyone has the best credit these days. We will need to dig into the cause of the credit issues (medical bills, foreclosure, bankruptcy, divorce, etc.) so we can figure out the best Surety match. Ultimately, our goal is to help you obtain bonds while you work towards repairing your credit.
Get started with your Surety Bond.
For start-ups, design-build, small and large contractors, all we do is bonding. Let us know how we can help you.