FNS food stamps bond.
$1,000 fixed. $100 flat.

When USDA’s Food & Nutrition Service sets the collateral bond at its $1,000 statutory floor, this is the page. The bond is $100 flat — set by our carrier’s rate book for this specific bond, not a percentage of the amount — and the application collects no credit information; most applications approve instantly.

✓

The $1,000 statutory floor for the FNS collateral bond under 7 CFR §278.1(b)(3)

✓

Fixed amount, fixed price — $1,000 bond, $100, no quote process

✓

The application collects no credit information — most approve instantly

A-ratedA.M. Best carriersInstantunderwriting process1–3 yrterms available

Trusted by industry leaders

How it works

Three steps. One sitting.

Fixed-amount collateral bonds are the simplest thing in surety. Here’s the whole process:

NOW · ONLINE

Apply online

Business details and an effective date. That’s the application — no credit fields, no follow-up scavenger hunt.

MINUTES, USUALLY

Pay & e-sign

Fixed-amount bonds like this are among the thousands that issue right after purchase.

SAME DAY

File with USDA FNS

Your executed collateral bond arrives by email, ready to file with your SNAP retailer application. Wet-ink original mailed on request.

About this bond

What it is and who needs it.

What the $1,000 collateral bond does

A firm re-entering SNAP after a sanction must post a collateral bond under 7 CFR §278.1(b)(3). The face amount is the greater of $1,000 or 10% of average monthly redemptions — so when 10% of your redemptions is small, the bond lands at the $1,000 floor, and this is the page for that.

The bond protects the program: if FNS establishes a claim against a previously sanctioned firm, it can collect through forfeiture of the collateral bond. It must remain valid for five years from re-entry into SNAP.

This is the fixed-$1,000 version. If FNS set a higher amount (because 10% of your redemptions exceeds $1,000), use our variable FNS or SNAP collateral bond page and enter that figure instead — pricing there starts from $100, with your exact price at application.

7 CFR §278.1(b)(3)Under 7 CFR §278.1(b)(3), a firm re-applying to SNAP after a qualifying sanction must post a collateral bond or irrevocable letter of credit with a face value equal to the greater of $1,000 or 10% of average monthly redemptions for the prior twelve months, valid for five years. This page covers the $1,000 statutory floor; confirm your amount on your FNS notice.

You need this bond if you are

✓

A small retailer re-applying to SNAP whose 10%-of-redemptions figure is under $1,000

✓

A firm told by FNS to post the $1,000 floor as a condition of re-authorization

✓

A convenience store or market re-entering SNAP after a disqualification period

✓

Replacing a lapsed $1,000 collateral bond while FNS still requires it

One application, issued instantly.

These are the actual issuing fields — no credit fields, because this fixed-amount bond’s application doesn’t collect any.

Start the application →

FAQ

Common questions.

How much is the $1,000 FNS bond?The premium is $100 flat — the price you see is the price you pay, the same for every year. It isn’t a percentage of the bond amount; it’s set by our carrier’s rate book for this specific bond.

Do I pay the $1,000?No. You pay $100. The $1,000 is the surety’s maximum liability if FNS makes a valid claim against the bond — it is not a deposit, and nobody holds your money.

When does the $1,000 floor apply?When 10% of your average monthly SNAP redemptions is less than $1,000. The collateral bond is the greater of $1,000 or that 10% figure, so small-volume firms land at the $1,000 floor. If yours is higher, use our variable FNS collateral bond page.

Is there a credit check?The application collects no credit information, and most applications approve instantly.

How long does it have to stay in place?When re-entering SNAP, the collateral bond must be valid for five years. We can write a multi-year term and send renewal notices 60 and 30 days out so it never lapses while FNS still requires it.

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.

Related bonds

Other Federal bonds.

Finish your SNAP re-authorization today.

$100 flat, no credit review, bond often issued in the same sitting. Free until issued.

Start application

Your price$100

Apply now →