Business services bonds.
$586 flat.
A Business Services Bond — also called a janitorial bond or employee-dishonesty bond — protects a client's property from theft by your employees while they're working on the client's premises. Many service contracts require one before you can start. This tier covers our deepest $200,000 loss limit for a business with 6 or fewer employees, at $586 flat — the price you see is the checkout price, and the application collects no credit information.
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Three steps. One sitting.
A Business Services Bond is one of the simplest filings we issue, even at this higher limit. Here's the entire process:
Apply online
Business details, entity type, and an effective date. That’s the application — no financials, no credit section.
Pay & e-sign
This bond is among the thousands of bond types that issue right after purchase. At most, 1–2 business days.
Send it to your client
Your executed bond arrives by email, ready to hand to the client or property manager who required it. Wet-ink original mailed on request.
What it is and who needs it.
What the bond actually guarantees
A Business Services Bond is the most common form of fidelity bond: it covers a loss when an employee of yours steals from a client — not from you — while performing work on the client's premises. Janitorial and cleaning companies, handyman and home-service contractors, and in-home care providers are the businesses that most often carry one, because they routinely send employees into other people's homes and offices.
It's a three-party arrangement: you (the principal), the surety carrier, and your client as the protected party for any given job. If an employee is proven to have stolen from a client while performing services you were hired for, the client can make a claim against the bond up to its $200,000 limit.
It is not insurance for you — if the surety pays a claim, it can seek recovery from the employee responsible, not from your business generally. Coverage does not extend to volunteers or 1099 contractors — only your own employees are covered. There is no government statute behind this bond; it exists because clients and their contracts ask for it.
You need this bond if you're
One application, issued instantly.
These are the actual issuing fields — no credit section, because this application doesn’t collect credit information.
Start the application →Common questions.
Other Federal bonds.
Get your Business Services Bond today.
$586 flat, no credit information collected, bond often issued in the same sitting. Free until issued.