Connecticut homemaker-companion bonds.
$100 flat.
Connecticut will not register a homemaker-companion agency unless it maintains at least $10,000 of security — a surety bond or an insurance policy — with the Department of Consumer Protection, and the coverage has to include theft by an employee. Ours is $100 flat, and the price you see is the price at checkout.
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How much does a Connecticut homemaker-companion bond cost?
$100 at the $10,000 amount, the same for every applicant.
Three steps. One sitting.
Registration packets stall on background checks and the certificate of good standing, not on this. Here is the whole bond process:
Apply online
Your agency’s legal name, address, contact, and an effective date. That is the application. No credit check.
Pay & e-sign
Registration bonds like this are among the thousands of bond types that issue right after purchase.
File with DCP
Your executed bond and power of attorney arrive by email, ready to attach to a new homemaker-companion agency registration or to the renewal you file before the October 31 expiry. Wet-ink original mailed on request.
What it is and who needs it.
What the homemaker-companion bond actually guarantees
Connecticut regulates non-medical home care through Chapter 400o of the General Statutes. A homemaker-companion agency is any public or private organization employing one or more people to provide companion services or homemaker services — help with meals, laundry, errands, light housekeeping, and simple companionship — and the definition expressly reaches a registry that refers caregivers rather than employing them. Medical home health care sits outside it: home health care agencies and homemaker-home health aide agencies are licensed by the Department of Public Health instead. Under CGS § 20-671 nobody may establish, conduct, operate, or maintain an agency here without first obtaining a certificate of registration from the Department of Consumer Protection.
The security is part of the registration application. CGS § 20-672(a)(3) requires the agency to maintain a surety bond or an insurance policy of not less than $10,000 coverage, which coverage shall include theft by an employee. That last clause is the whole point of the section. Companions and homemakers work unsupervised inside a client’s home, frequently with an elderly or disabled client and often near cash, jewelry, checkbooks, and prescriptions — so the legislature made the financial backstop cover employee theft rather than leaving it to a general liability policy that usually excludes it. Chapter 400o defines "employee" broadly enough to reach temporary and pool workers and independent contractors, so a registry cannot sidestep the requirement by calling its caregivers contractors.
It is a three-party arrangement: your agency is the principal, the carrier is the surety, and the protected parties are the clients the registration law exists to shield. It is not insurance for you — if the surety pays a client, you repay the surety, which is exactly why carriers write it flat and why the bond does not soften your own hiring standards. The security has to stay continuous for the life of the registration, and Connecticut registrations expire annually on October 31, so we track yours and notify you 60 and 30 days out rather than letting a lapse strand your certificate.
You need this bond if you’re
Claims, renewal, filing, and what sets the price.
If a claim is made
A claim comes from the party the bond protects, the obligee named on the form, when the duty the bond guarantees is not met.
The surety investigates and pays a valid claim, up to the $10,000 bond amount. You then repay the surety: a surety bond is a guarantee of your performance, not insurance for you.
Renewal and term
The premium covers a one-year term from the effective date you choose; a longer term is the same price per year, chosen at checkout.
Renew before the expiry date to keep the bond in force: the license, permit or contract it backs expects continuous coverage.
How to file it
File with DCP. Your executed bond and power of attorney arrive by email, ready to attach to a new homemaker-companion agency registration or to the renewal you file before the October 31 expiry. Wet-ink original mailed on request.
What sets the price
The premium is fixed at $100 at the $10,000 amount for every applicant: the carrier’s rate book prices this bond by the form, not by your credit or your business profile.
No credit check.
One application, issued instantly.
These are the actual issuing fields. No credit check.
Start the application →Common questions.
Other Connecticut bonds.
Been told you need a different amount?
Price and requirements checked on the carrier’s application, . Page updated .
Clear the DCP registration item today.
$100 flat, no credit check, and the bond issues the moment you pay — ready to attach to your registration or October renewal. Free until issued.