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Florida Fidelity Bonds for Title Insurance Agencies

Florida title insurance agencies must obtain a fidelity bond of at least $50,000 acceptable to the appointing insurer, plus separate E&O coverage and a surety bond of at least $35,000 payable to appointing title insurers. The fidelity minimum does not tell an agency whether its own funds, customer property, or employee-transfer risks are covered; inspect the policy wording and insurer acceptance. 1,2

What Is Fidelity Bonds?

Fidelity coverage can reimburse certain losses when employees steal money or property they handle. If employees manage company funds, customer property or benefit-plan assets, identify each owner and compare the required protection for each interest. Read the national Fidelity bonds guide.

Florida Requirements

RequirementDetails
Appointment requirementsFor a title insurance agency appointment, Florida requires at least $50,000 in fidelity coverage acceptable to the appointing insurer, separate E&O coverage, and a $35,000 minimum surety bond payable to appointing insurers. 1,2

What to Watch for in Florida

  • Keep the three agency instruments distinct

    Section 626.8419 separately requires a fidelity bond, E&O coverage, and a surety bond. The surety responds for an appointing insurer harmed by the agency’s contract violation; it is not a substitute for fidelity protection against employee dishonesty. 1

  • The appointing insurer must accept the fidelity amount

    The statute sets a $50,000 minimum but also requires the fidelity bond amount to be acceptable to the appointing insurer. Ask the agency and insurer to confirm acceptance in writing and identify the actual insured, covered people, property, and claim trigger. 1,2

  • Track the surety bond while the agency remains appointed

    The separate $35,000 surety bond must remain in effect and unimpaired while an agency has a title-insurer appointment, and the agency must provide annual proof. When reviewing a renewal, check that this bond is not being presented as employee-theft insurance. 1

  • Review any benefit plan bond separately

    A Florida title agency that also handles assets for a private ERISA plan has a distinct federal plan-bond question. Do not assume the title-insurance agency appointment filing reaches plan property. 3

Who Regulates Insurance in Florida

Florida Office of Insurance Regulation

The Florida Office of Insurance Regulation licenses and regulates insurance companies and reviews rates and forms. The Department of Financial Services separately licenses insurance agents and handles consumer insurance complaints; its resource page links to both state license searches. 4,5,6

Surplus-lines tax and stamping office

Reported tax rate: 4.94% of gross premium plus a 0.03% FSLSO service fee for policies effective July 1, 2026 or later When Florida is the insured’s home state, Florida taxes the entire gross premium at 4.94%; the premium definition includes policy and similar insurance charges. The separate FSLSO service fee is 0.03% for policies effective July 1, 2026 or later. Surplus-lines policies do not receive Florida Insurance Guaranty Association protection. 7,8,9

Florida Surplus Lines Service Office

Providers With Documented State Licenses

These providers publish a national listing for Fidelity bonds; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in Florida. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

  • TechInsuranceSpecialty Program Group LLCInsurance producer · checked 2026-09-28TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map. 15
  • VouchVouch Specialty Insurance Services, LLCInsurance producer, Surplus-lines broker · checked 2026-09-28Vouch’s licenses page, effective January 16, 2025, lists producer licenses in all 50 states and DC. Its separate surplus-lines table includes Idaho number 870820, while a footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses. Because those statements conflict for Idaho, this record keeps Idaho producer-only and does not treat the table number as established agency surplus-lines authority. The page is company-reported and does not establish product availability. 16

Questions to Ask Before You Buy in Florida

  1. Has each appointing title insurer accepted the fidelity bond amount and received proof of the current form?
  2. Which employees and contractors, company funds, client property, and transfer-fraud scenarios are included in the fidelity wording?
  3. Is E&O at least $250,000 per claim and aggregate with a deductible no greater than $10,000, and is it separate from fidelity?
  4. Is the surety bond at least $35,000, payable to the appointing insurers, and continuously effective while each appointment remains active?

Fidelity Bonds in Florida: FAQ

Does Florida’s $35,000 surety bond cover employee theft? 1

The statute says it benefits appointing title insurers harmed by the agency’s contract violation. Florida separately requires fidelity coverage, so obtain evidence for both. 1

Can the title agency’s fidelity requirement replace ERISA bonding? 1,3

No conclusion follows from the title-agency rule. If plan officials handle ERISA plan assets, apply the separate federal bond test and its exceptions. 1,3

Fidelity Bonds in Other States

Other Coverage in Florida

Sources

  1. 2026 Florida Statutes § 626.8419, Appointment of Title Insurance Agency. Florida Senate; Current 2026 statute, subsections (1)(a)-(e) and (2): fidelity minimum, E&O, separate surety bond, protected claimant, annual evidence and appointment link. Accessed 2026-09-28.
  2. Title Insurance Agents. Florida Department of Financial Services, Division of Agents and Agencies Services; Current title-agent compliance information and agency appointment/licensing references. Accessed 2026-09-28.
  3. 29 U.S.C. § 1112, Bonding. Office of the Law Revision Counsel, U.S. House of Representatives; Subsections (a)-(e), current preliminary edition text. Accessed 2026-09-28.
  4. Florida Office of Insurance Regulation. Florida Office of Insurance Regulation; Official regulator homepage; insurer regulation. Accessed 2026-09-28.
  5. Resources. Florida Office of the Insurance Consumer Advocate; State page links to DFS agent search and OIR active company search. Accessed 2026-09-28.
  6. Get Insurance Help. Florida Department of Financial Services; Insurance concern and formal complaint intake; consumer helpline. Accessed 2026-09-28.
  7. Florida Statutes § 626.932: Surplus lines tax. Florida Legislature; 4.94% tax on gross premium; home-state taxation; statutory definition of premium. Accessed 2026-09-28.
  8. FSLSO Bulletin 2026-02. Florida Surplus Lines Service Office; Service-fee rate effective July 1, 2026: 0.03%. Accessed 2026-09-28.
  9. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  10. Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
  11. Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
  12. About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
  13. Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
  14. Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
  15. Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

Updated .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

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