Panama City Contractor License Bond

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Who needs a contractor license bond in Panama City, Florida?

Neither The City of Panama nor Bay County require a municipal-level bond in the ordinances deciding contractor license requirements. Contractors working in the Panama City area must instead follow state licensing and bonding regulations affecting general contractors, building contractors, and residential contractors.

Learn all about your requirements on our Florida Contractor License Bond page

  • You can also contact us directly with questions regarding the bonding process by calling (888) 435-4191 or emailing

Reach out to the Florida Construction Industry Licensing Board with state licensing questions.

Get Your Panama City Contractor Bond:

How does a contractor license bond work?

Whether required by law or not, surety bonds benefit contractors and the public. 

A contractor license bond is a contract a contractor signs agreeing to act professionally and ethically, meet industry standards, and follow safety procedures. The bond ensures that contractors finish projects on time and to code. If they don’t, someone may file a claim against their bond. The surety will cover settlement costs upfront, and the contractor must repay them in full.

Clients often feel more confident in their contractors when they’re bonded and insured. Many clients seeking contractors for large-scale and private projects will require surety bonds even if the state or local municipality does not. Bonds for construction-related purposes in Florida often range from $1,000 to $20,000.

Apply for Your Contractor Bond in Panama City, FL

ZipBonds offers the fastest and most secure option for getting bonded. Our all-digital platform is intuitive and straightforward. Apply online, email or call 888.435.4191 to speak with an agent directly.



Founders Ryan Swalve and Zach Mefferd formed the vision for when they realized how overly complicated it was to help clients place surety. The frustration of being unable to incorporate the technology they’d used in other insurance-focused projects left them thinking “there has to be a better way.”

Fast forward a couple of years, and that better way is the impetus of everything we do at ZipBonds. We constantly look for innovative ways to improve the bonding process for our clients and agents. Our team comprises individuals who understand all angles of surety – for companies, agencies, and individuals. Incorporating everyone’s point of view to improve the process while simultaneously integrating cutting-edge technology is what sets our business apart.