Florida health studio bonds.
$250 flat.

Florida requires a health studio to file a $25,000 bond with the Department of Agriculture and Consumer Services to protect members’ prepaid dues. Ours is $250 flat — the price you see is the checkout price. The bond issues the moment you pay — no credit review of any kind, not even a soft pull.

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Required to register a Florida health studio with FDACS under the Health Studio Act

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Fixed amount, fixed price — $25,000 bond, $250, per business location

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Multi-year terms available — set it up once, no credit section on the application

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

Trusted by industry leaders

How it works

Three steps. One sitting.

Health studio bonds are among the simplest in surety. Here is the entire process:

NOW · ONLINE

Apply online

Business details and an effective date. That is the application — no financials, no credit section, no follow-up scavenger hunt.

MINUTES, USUALLY

Pay & e-sign

License bonds like this are among the thousands of bond types that issue right after purchase.

SAME DAY

File with your FDACS registration

Your executed bond arrives by email, ready to file with your health studio registration. Wet-ink original mailed on request.

About this bond

What it is and who needs it.

What the health studio bond actually guarantees

Florida’s Health Studio Act (§§501.012–501.019, F.S.) requires gyms, fitness clubs, and similar studios to register with the Department of Agriculture and Consumer Services (FDACS) and post a $25,000 surety bond. The bond protects members who pay dues in advance, in case the studio closes before delivering the services they paid for.

It is a three-party arrangement: you (the principal), the surety carrier, and the State of Florida and harmed members as the protected parties. If a studio collects prepaid dues and then fails to provide the contracted services, an injured member can recover against the bond.

A separate bond is generally required for each business location, and the bond must stay active for as long as you operate. The Act exempts a studio that collects payment month by month, with any service fee reasonable and fair (§501.016(5)), and one that has operated in compliance under the same ownership for the most recent five years with no adjudication against it and no unresolved complaints (§501.016(8)) — confirm your situation with FDACS. We track it and notify you 60 and 30 days out.

Florida Health Studio Act, §§501.012–501.019, F.S.The Florida Health Studio Act (§§501.012–501.019, F.S.), administered by the Department of Agriculture and Consumer Services, requires a health studio to register and provide a $25,000 surety bond for each business location for the benefit of consumers who prepay membership fees. The bond requirement turns on how and when a studio collects fees — confirm your specific obligation with FDACS.

You need this bond if you are

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Registering a Florida health studio or gym with FDACS

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Selling prepaid memberships or collecting dues more than 30 days in advance

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Opening an additional location that needs its own $25,000 bond

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Renewing your registration and your current bond is expiring or non-renewed

One application, issued instantly.

These are the actual issuing fields — no credit section, because this bond doesn’t have one.

Start the application →

FAQ

Common questions.

How much is the Florida health studio bond?The premium is $250, set by our carrier’s rate book for the fixed $25,000 bond amount — the same for every studio. The $25,000 coverage figure is set by the Health Studio Act, so there is no quote process.

Do I pay the $25,000?No. You pay $250. The $25,000 is the surety’s maximum liability if a valid claim is made by a harmed member — not a deposit, and nobody holds your money.

Do I need a bond for each location?Generally yes — the Health Studio Act requires a $25,000 bond for each separate business location. If you operate multiple studios, send us the list and we’ll issue one per location.

Is there a credit check?The application collects no credit information at all for this bond. Most applications approve instantly.

When does it renew?The bond must stay active for as long as you operate and hold the registration. You can buy a 1, 2, or 3-year term; we send renewal notices 60 and 30 days out, with autopay available.

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 Florida bonds.

Finish your FDACS registration today.

$250 flat, no credit review, bond often issued in the same sitting. Free until issued.

Start application

Your price$250

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