Florida Title Agency Bond

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How Do I Get Bonded?

Title Agency Bonds Explained

If you want to start a Florida title agency, this requires posting a title agency bond. It is one of the state requirements for your legal operation.

The goal of your bonding is to ensure you will comply with all applicable rules and regulations. It is a safety mechanism designed to protect your customers and the state against illegal activities.

The title agency bond works like a contract between three parties, with the principal being your business. The Florida Department of Financial Services is the obligee that requires you to get bonded. The surety is the third entity that provides the bond.

Questions about Title Agency Bonds in Florida

In which cases do I need this bond?

Any entity that wants to conduct activities as an agent for a title insurance company in order to issue binders, commitments and insurance on its behalf has to get a license with the state Department of Financial Services. The process entails posting a $35,000 surety bond. It is a guarantee that you will comply with applicable state Statutes when you obtain a Florida title agent license.

What is the Florida title agency bond cost?

Your bond price is formulated on the basis of the required bond amount, which is $35,000 in this case. The actual cost is a percentage of this amount which is your bond premium. It is set in consideration of your personal and business financials.

The exact surety bond cost is determined by your surety after a careful consideration of your personal credit score. The other indicators that matter are your company finances, assets and liquidity, and even your professional experience. The more stable your overall profile is, the better your bond price will be. Applicants with solid finances can expect rates between 1% and 5% of the bond amount.

Surety Bond Cost Based on Credit Score
Surety bond name Surety bond amount Above 700 Between 650-699 Between 600-649 Below 599
Florida title agency bond $35,000 $262.5-$525 $350-$875 $875-$1,750 $1,750-$3,500

* This table provides a ballpark estimate of potential bond costs. Bond pricing can fluctuate over time due to a number of factors. For exact pricing, please complete an application.

Can I get bonded with bad credit?

It is usually more difficult for applicants with financial issues to obtain a title agency bond. However, we have created our Bad Credit Surety Bonds with you in mind. You can get the bond you need even if you struggle with a low credit score, or financial other problems.

The bonding rates are slightly higher - between 5% and 10%, which is needed in order to compensate the increased bonding risk. We are still able to provide you with a top bonding option due to our exclusive partnerships with a long list of A-rated, T-listed sureties.

How do I apply for a bond?

Need more details about how bonding works? You can consult the in-depth guide on our How to Get Bonded page.

Don’t hesitate to reach out to us at (877) 514-5146 for further help. Lance Surety Bonds’ specialists are available to assist you.

What happens in case of a claim against my surety bond?

As the goal of your Florida title agency bond is not to protect your business, but to ensure your legal compliance, you can get a claim if you fail to abide by the law. This is how harmed parties can seek a fair reimbursement. In this case, the maximum penal sum is $35,000, which is the bond amount you have posted.

At first, your surety may cover any costs related to proven claims. However, you have to repay it soon after, as per the bond indemnity agreement. This means that bond claims can lead to financial losses, as well as to problems with your business reputation.

Additional Resources

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About Us

Lance Surety Bonds
Lance Surety Bond Associates, Inc. is a Pennsylvania-based surety bond agency that offers bonding at competitive rates in all 50 states. Established in 2010, our company has grown to become one of the top online bond producers in the country. Working exclusively with A-rated and T-listed bonding companies gives us the confidence to offer a 100% money-back guarantee. read more

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What Our Clients Have To Say?

  • Kimberlee Ables
    Quick response times and turn around for issuing bonds. Great customer service and very knowledgeable. We have used Lance Surety multiple times and have never been disappointed. Highly recommend them and Collette!
  • Andrew Poincot
    Long story short, these guys cut through the B.S. and get the job done. Responsiveness, excellent! Communication, excellent! Respect for their industry partners, excellent! John, Collette, Ryan, you're all-stars! Thank you!
  • Margie Martinez
    We decided for Lance Surety Bond's quote for 2 reasons; Price and Customer Service. Our Representative Ryan was just SUPERB!! [...] I highly recommend Lance Surety Bond for all your Bonding needs! I'll definitely come back for all of mine. :-) Thanks Ryan!

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