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Certified PEO bonds.
From $525.

A Certified Professional Employer Organization (CPEO) must post a bond guaranteeing its federal employment taxes under 26 U.S.C. 7705(c), on IRS Form 14751. The amount, set by your tax liability, runs from a $50,000 minimum to a $1,000,000 maximum. Pricing is 1% of the bond amount plus a $25 fee.

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Required to become and stay an IRS-certified PEO under 26 U.S.C. 7705(c) / 26 CFR 301.7705-2
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Amount is the greater of $50,000 or 5% of your CPEO employment-tax liability — capped at $1,000,000
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Priced at 1% of the bond amount plus a $25 fee, no credit section in the application — enter your required bond amount and your exact price appears
From $525your price at application$50,000minimum bondNo SSNin the application
Trusted by industry leaders
New York City Economic Development Corporation (NYCEDC)
Blumenfeld Development Group (BDG)
Capital Development Partners
McKinney Properties
Terra Capital
JLL (Jones Lang LaSalle)
Triple Five Group
The Georgetown Company
New York City Economic Development Corporation (NYCEDC)
Blumenfeld Development Group (BDG)
Capital Development Partners
McKinney Properties
Terra Capital
JLL (Jones Lang LaSalle)
Triple Five Group
The Georgetown Company
How it works

Three steps. One sitting.

The IRS gives you 30 days after certification notice to post the bond. Here is the whole process:

TODAY · ONLINE

Apply online

Your organization’s details, the bond amount the IRS requires, and the effective date — that is the entire application. The application collects no credit information.

INSTANTLY

Issued on the spot

No waiting — the executed bond is generated as soon as you pay. Larger amounts may get a quick underwriter review; if a credit check ever runs it is a soft pull that won’t touch your score.

SAME DAY

File on IRS Form 14751

Submit the executed bond on Form 14751, Certified Professional Employer Organization Surety Bond, to the IRS within the required window. Wet-ink originals mailed on request.

About this bond

What it is and who needs it.

What the CPEO bond actually guarantees

A Professional Employer Organization (PEO) handles payroll and employment taxes for its client businesses. The IRS’s voluntary CPEO certification lets a PEO take on sole liability for its clients’ federal employment taxes — and in exchange, under 26 U.S.C. 7705(c), a CPEO must post a surety bond guaranteeing those taxes.

The certification process and bond are detailed in 26 CFR 301.7705-2, and the bond is filed on IRS Form 14751. The amount must be the greater of $50,000 or 5% of the CPEO’s employment-tax liability under section 3511 for the preceding year, capped at $1,000,000. CPEO bonds run on an annual cycle that expires March 31.

The bond guarantees payment of the CPEO’s federal employment taxes — if the surety pays, the CPEO repays the surety. It is a guarantee for the Treasury, not insurance for the PEO. We issue the amount the IRS requires from $525; the application collects no credit information, and most applications approve instantly.

26 U.S.C. 7705(c) / 26 CFR 301.7705-2 (Form 14751)A Certified Professional Employer Organization must post a surety bond under 26 U.S.C. 7705(c), with the certification process and bonding detailed in 26 CFR 301.7705-2 and the bond filed on IRS Form 14751. The amount must be the greater of $50,000 or 5% of the CPEO’s employment-tax liability under section 3511 for the preceding calendar year, not to exceed $1,000,000. CPEO bonds run an annual period ending March 31.

You need this bond if you are

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A PEO seeking IRS CPEO certification — the bond is posted within 30 days of the IRS notice
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A certified PEO renewing its bond for the annual period ending March 31
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Increasing your bond as your employment-tax liability and 5% calculation rise
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Replacing a surety on an existing CPEO certification

One application, issued on the spot.

Submit the application with the bond amount the IRS requires — the executed bond is generated instantly, ready to file on Form 14751. No credit-check section on this bond.

Start the application →
FAQ

Common questions.

How is the CPEO bond amount set?It must be the greater of $50,000 or 5% of your CPEO employment-tax liability under section 3511 for the preceding year, capped at $1,000,000. Enter your required figure and your exact price appears at the application — pricing is 1% of the bond amount plus a $25 fee.
What form do I file?IRS Form 14751, Certified Professional Employer Organization Surety Bond. We issue the executed bond ready to submit to the IRS within the required window after your certification notice.
When does the bond renew?CPEO bonds run an annual period that expires March 31. You keep the bond in place for as long as you hold CPEO certification, adjusting the amount as your liability changes.
Is there a credit check?The application collects no credit information, and most applications approve instantly. Larger bond amounts may get a quick review; if a check ever runs, it is a soft pull that never affects your credit score.
What does the bond guarantee?Payment of the CPEO’s federal employment taxes. If the surety pays the Treasury on a claim, the CPEO repays the surety — it is a guarantee, not insurance for the PEO.
Which A-rated carriers underwrite these bonds?Typically Arch Insurance Company (A.M. Best A+) or Nationwide Mutual Insurance Company (A.M. Best A). Which one writes your bond depends on the bond type and your state. The carrier's name and official signature are printed on the bond you receive.
How do I contact Light RFP about this bond?Email insurance@lightrfp.com. It reaches the bond team at Light RFP Risk Management Services LLC (NY DFS License # PC-1978982). Write to us about quotes, applications, bond forms or certificates. We will respond within 24 hours.
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CPEO bond, issued today.

From $525 on a $50,000 minimum bond. Enter your required amount and file on Form 14751 the same day.

Start application
Your premiumfrom $525
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