If you need a surety bond in Florida, Ashton Agency has you covered. We are a licensed surety bond agency based in Winter Park, FL — serving Florida businesses, dealers, and professionals since 1968. Whether you need a motor vehicle dealer bond for your FLHSMV license, a public adjuster bond to work in Florida’s insurance market, or a Florida notary bond, our local team handles the application and tracks your renewals.
Florida's Most Common Surety Bond Types
Florida requires surety bonds for a wide range of licensed professionals and businesses. The most common types we issue include:
Florida Motor Vehicle Dealer Bond — A $25,000 surety bond required by FLHSMV for any motor vehicle dealer license in Florida. Required at every dealer location.
Florida Public Adjuster Bond — Required by the Florida Department of Financial Services for licensed public adjusters. Protects consumers from unethical claims handling.
Florida Notary Bond — A $7,500 surety bond required by the Florida Department of State for all notary public commissions. Covers your full 4-year term at an affordable rate.
Florida Contractor Bonds — Required by Florida counties and municipalities for licensed contractors. Amounts vary by county and license type.
Other Florida Bond Types — Including mortgage broker bonds, title agent bonds, and health studio bonds. Browse all bond types →
For a breakdown of recent Florida regulatory changes affecting dealers, adjusters, and bond requirements, see our Florida Insurance & Bond Rules 2026 update →
Florida Licensing Agencies That Require Surety Bonds
Multiple Florida state agencies require surety bonds as part of the licensing process:
FLHSMV (Florida Highway Safety and Motor Vehicles) — Issues motor vehicle dealer licenses and requires a $25,000 dealer bond. See FLHSMV dealer licensing →
Florida Department of Financial Services (DFS) — Licenses public adjusters, insurance agents, and bail bond agents, each with their own bond requirements.
Florida Department of State — Administers notary public commissions and requires a $7,500 surety bond for every Florida notary.
Florida DBPR (Department of Business and Professional Regulation) — Licenses contractors, real estate professionals, and other trades with bond or insurance requirements.
Our team knows the requirements for each Florida agency — so you get the right bond the first time, without the back-and-forth.
How Much Does a Florida Surety Bond Cost?
Florida surety bond costs vary by bond type and your credit profile. Here is a general guide:
Florida motor vehicle dealer bond ($25,000): typically $250 to $750 per year — 1 to 3% of the bond amount, depending on credit score and business history.
Florida public adjuster bond: typically $200 to $600 per year.
Florida notary bond ($7,500, 4-year term): one of the most affordable bond types — often $40 to $80 for the full 4-year commission period.
Ashton Agency works directly with our underwriting partners to secure competitive rates — not just the first quote that comes back. See our full surety bond cost breakdown →
Why Choose Ashton Agency for Your Florida Surety Bond?
Ashton Agency is a Florida-based surety bond agency — not an out-of-state form processor. That distinction matters.
Licensed Florida agents. Our team holds Florida insurance and surety licenses. We know the state agencies, their bond forms, and what they look for in an application.
Underwriting advocacy. When your renewal comes up or a rate change is on the table, we go to market on your behalf — not just auto-renew and bill you.
Proactive renewals. We track your bond expiration dates and contact you well before the deadline, so your license never lapses due to a missed renewal.
Serving Florida since 1968. Our roots are here. We know the Florida surety bond market because we have been part of it for over 50 years. Learn more about Ashton Agency →
Frequently Asked Questions About Florida Surety Bonds
What is a surety bond in Florida?
A surety bond is a three-party guarantee between you (the principal), a licensed surety company, and the Florida agency requiring the bond (the obligee). If you cause a covered financial harm, the bond compensates the harmed party — and you repay the surety. See our full plain-English guide to surety bonds →
How do I get a surety bond in Florida?
Contact Ashton Agency, tell us which bond you need and which agency requires it, and we handle the application, underwriting, and issuance. Most Florida surety bonds are issued within 1 to 3 business days.
Do I need to renew my Florida surety bond every year?
Most Florida surety bonds are annual and must be renewed to keep your license active. The Florida notary bond is an exception — it covers your full 4-year commission term. Ashton Agency tracks all renewal dates and contacts you before the deadline.
What Florida agencies require surety bonds?
The most common are FLHSMV (motor vehicle dealers), Florida DFS (public adjusters and insurance agents), Florida Department of State (notaries), and Florida DBPR (contractors and trades). Each agency sets its own bond amount and form requirements.
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