Fiber optic sensors represent one of the most promising technologies for the monitoring of various engineering structures. A major challenge in the field is to analyze and predict the strain transfer to the fiber core reliably. Many authors developed analytical models of a coated optical fiber, assuming null strain at the ends of the bonding length. However, this configuration only partially reflects real experimental setups in which the cable structure can be more complex and the strains do not drastically reduce to zero. In this study, a novel strain transfer model for surface-bonded sensing cables with multilayered structure was developed. The analytical model was validated both experimentally and numerically, considering two surface-mounted cable prototypes with three different bonding lengths and five load cases. The results demonstrated the capability of the model to predict the strain profile and, differently from the available strain transfer models, that the strain values at the extremities of the bonded fiber length are not null.