CO FAMLI private plan bonds.
From $100. Enter your amount.
Colorado lets an employer step out of the state Family and Medical Leave Insurance (FAMLI) program by running an approved private plan — and an employer that self-insures that plan must post a surety bond with the FAMLI Division of the Department of Labor and Employment. The bond runs to the Division and equals one year of total FAMLI premiums; our premium on it is priced at 1.5% of the bond amount, with a $100 minimum, and your exact figure appears at the application.
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Apply to filed in one sitting.
Nothing here waits on an underwriting queue. Enter the amount your private plan filing calls for, pay, and upload the executed bond to the Division. Here is the whole thing:
Apply online
Your company details, the bond amount your private plan filing requires, and the effective date — plus a one-time consent that authorizes a soft credit pull.
Pay & e-sign
Your price is final at checkout — 1.5% of the bond amount, with a $100 minimum. The application includes a credit consent, but it authorizes a soft credit pull only — a soft inquiry that never affects your score. No hard inquiry ever runs on this bond.
File with the FAMLI Division
Your executed bond and power of attorney arrive by email, ready to submit with your private plan application or your annual bond review. Wet-ink originals mailed on request.
What it is and who needs it.
What the FAMLI private plan bond actually guarantees
Colorado voters created FAMLI in 2020; premiums began in 2023 and paid leave benefits in 2024. An employer may substitute its own private plan under C.R.S. § 8-13.3-521, provided the plan confers all the same rights, protections and benefits as the state program. A private plan comes in two flavors: fully insured, written on a paid-family-leave policy from a carrier approved by the Division of Insurance, or employer self-insured, where the employer pays the benefits out of its own funds. Only the self-insured route requires this bond.
The bond is the Division’s backstop for benefits the employer promised but might not pay. It is a three-party arrangement: you (the principal), the surety carrier, and the FAMLI Division (the obligee), with your Colorado employees as the protected parties. If your private plan approval ends — voluntarily or because the Division pulls it — the Division may execute on and collect the entire bond amount, less any funds it receives from you within 30 days after the termination takes effect. It is not insurance for you: if the surety pays, you repay the surety.
A self-insured plan also carries obligations the bond does not replace. You must keep a separate account that receives every employee contribution and from which all benefits and plan administrative costs are paid — no withdrawals for anything else, and on termination the remaining balance goes to the Division. Private plans additionally pay an administration fee and, since 2025, an annual maintenance fee, and attest each year that the approved plan still satisfies the Act. Keep the bond in force for the entire life of the plan.
You need this bond if you are
One application, issued instantly.
These are the actual issuing fields — your entity details, the bond amount your private plan filing requires, and a one-time consent that authorizes a soft credit pull only. Your exact price is set at the application from a $100 minimum.
Start the application →Common questions.
Other Colorado bonds.
Get the private plan filed, not stalled.
Premiums from $100, soft pull only, and your price is final at checkout. Enter the amount your filing requires and send the bond to the FAMLI Division today. Free until issued.