The ProSure Group

Florida Title Insurance Agency Surety Bond

What is a Florida Title Insurance Agency Bond?

  • A Florida Title Insurance Agency Bond or Florida Title Agent Bond is a $35,000 surety bond that is required for licensure to operate in Florida as a title insurance agency. The surety bond is required to be posted by both Resident and Non-Resident title insurance agencies. Only one title agency surety bond is required per agency; all affiliated branches are covered under the main offices’ bond.
  • Per Florida Statutes Section 626.841, a title insurance agency is defined as, “an insurance agency under which title insurance agents and other employees determine insurability in accordance with underwriting rules and standards prescribed by the title insurer represented by the agency, and issue and countersign commitments, endorsements, or policies of title insurance, on behalf of the appointing title insurer.”
  • We also write these surety and fidelity bonds:
    • Fidelity Bonds (A $50,000 fidelity bond is required for FL Title Agency Licences)
    • Court Bonds (Judicial Bonds, Fiduciary/Probate Bonds)

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  • Florida Title Agent Bonds are individually underwritten so the cost can vary and is primarily dependent on the credit score of the applicant. Customers with good credit scores could qualify for a rate as low as 0.5% of the bond amount. Of course, we will always provide you with the lowest rates available on the market. And can typically handle all credit types — from excellent to poor — as such those terms vary.
  • Applicants with good credit scores (generally 680 or higher) could pay as low as $175 for their bond for a 1-year term.

The Florida Title Agent Bond protects each title insurer under which the title agency is contracted from any breach of duty or responsibility from said contract. This surety bond also ensures the Florida title agency conducts business in accordance with all state laws, rules, and regulations, including those of Florida Statutes Chapter 626, Insurance Field Representatives and Operations.

The Resident Title Insurance Agency License (4-12) and the Non-Resident Title Insurance Agency License (4-13) are granted by the Florida Department of Financial Services, Division of Agent and Agency Services, Bureau of Licensing. Florida Statutes Section 626.8419, requires the surety bond to be posted for appointment as a title insurance agency. Florida House Bill 725 was approved on May 5, 2012, and went into effect on Oct. 1, 2012. HB 725 changed the Obligee, or payee, from the Department of Financial Services of the State of Florida to the title insurer or title insurers appointing the title agency. The name, address, and phone number of the title insurance company/companies must be listed on the surety bond.

Florida Title Agency Bonds remain in effect until canceled, which can be done by the surety company with 30 days written notice to the Principal. The bonding company will automatically renew and bill for the surety bond on an annual basis.

Contact The ProSure Group. As surety bond experts in business over 23 years in Florida, The ProSure Group has handled hundreds of Florida Title Agent Bonds over the years and has in-house underwriting authority and partnerships with more than 30 different surety companies. This ensures that we get you the quickest turnaround and best, most competitive pricing and terms available in the marketplace. You just need to complete our simple application and one of our specialists will quickly contact you.

What you will need to submit to obtain your license:

  • Complete online application
  • Appropriate fees
  • $35,000 Surety Bond
  • $50,000 Fidelity Bond
  • Fingerprints of majority owner, partner, officer and director
  • Name, social security number, and address of a licensed title insurance agent or an attorney in good standing with the Florida Bar
  • Errors and omissions insurance coverage
  • And more.
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If you don't see the bond you're looking for give us a call at (800) 480-3883 and speak to one of our many
Florida Title Insurance Agency Surety Bond Experts!
Type Bond Obligee Bond Amount
License Florida Title Agency Surety Bond Agent's title insurance underwriter or team of underwriters