Contractor License Bond in Florida

What this bond requires in Florida

Florida contractors don't need a bond. Full stop. This is worth saying clearly because a surprising number of bond broker websites still list a "Florida 660 bond" or "Florida sub-660 contractor bond" as if it's a current requirement. It isn't. The Florida Construction Industry Licensing Board eliminated the bond option entirely when Rule 61G4-15.006 was amended on April 13, 2022. Here's what actually satisfies the state's financial stability rule today: Option 1 — Credit score route: Provide a current consumer credit report showing a FICO score of 660 or higher with no unsatisfied judgments or liens. No bond, no course, nothing else. Option 2 — Course route: If your credit score is below 660, complete a 14-hour Board-approved financial responsibility course. That's it. The course replaced the bond. You still need to pass the trade exam, carry general liability insurance, and meet experience requirements. But you don't need a bond.

Who requires it

The contractor license bond is required by the Construction Industry Licensing Board under Fla. Admin. Code R. 61G4-15.006.

How to file in Florida

Florida does not require a contractor license bond. Until April 13, 2022, contractors with FICO credit scores below 660 had to post a bond to meet the financial stability requirement. Rule 61G4-15.006 was amended that date to eliminate the bond option entirely. Contractors now satisfy the financial stability rule either by providing a credit score of 660+ or by completing a 14-hour Board-approved financial responsibility course.

Common questions

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