Indiana health club membership bonds.
$250 flat.
A health spa — a general fitness membership club, or a franchise location like an Anytime Fitness — that sells memberships for a facility which is still planned or under construction must file a $25,000 surety bond with the Indiana Secretary of State before taking a single pre-opening payment. Ours is $250 flat, the price you see is the checkout price.
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How much does an Indiana health club membership bond cost?
$250 at the $25,000 amount, the same for every applicant.
Three steps. One sitting.
A pre-opening health spa bond is one of the simplest filings in surety. Here's the entire process:
Apply online
Business details and an effective date. The application includes a credit consent, but it authorizes a soft pull only — it never shows as a hard inquiry.
Pay & e-sign
This bond is checkout-priced at $250 flat, so it issues the moment you pay — your executed bond and power of attorney generate on the spot.
File with the Secretary of State
Your executed bond and power of attorney arrive by email, ready to file with the Secretary of State before you accept a single pre-opening membership payment. Wet-ink original mailed on request.
What it is and who needs it.
What the bond actually guarantees
Indiana lets a health spa — a fitness or health club, including a branded franchise location — sell membership contracts for a facility that hasn't opened yet, planned or still under construction. Because members are paying in before there's a facility to use, the law conditions that pre-sale on a $25,000 surety bond filed with the Secretary of State, or a greater amount if the Secretary specifies one by rule.
It's a three-party arrangement: you (the principal), the surety carrier, and the Secretary of State as obligee, protecting the members who paid for a membership that never opens. If the spa fails to deliver the facility or service it sold, a harmed member can recover against the bond.
It is not insurance for you — if the surety pays a claim, you repay the surety. The relief is built in: once your spa commences actual health spa service, the statute relieves you of the obligation to keep the bond in force. We track the term and send renewal notices 60 and 30 days out for any spa that stays pre-opening past its first term.
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 $25,000 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 the Secretary of State. Your executed bond and power of attorney arrive by email, ready to file with the Secretary of State before you accept a single pre-opening membership payment. Wet-ink original mailed on request.
What sets the price
The premium is fixed at $250 at the $25,000 amount for every applicant: the carrier’s rate book prices this bond by the form, not by your credit or your business profile.
One soft credit pull, never a hard inquiry, and it never affects your score.
Where a check runs, it decides approval; the rate is the same for everyone approved.
One application, issued instantly.
These are the actual issuing fields — business details, an effective date, and the credit consent this bond carries.
Start the application →Common questions.
Other Indiana bonds.
Been told you need a different amount?
Price and requirements checked on the carrier’s application, . Page updated .
File your health spa bond before you sell a single membership.
$250 flat, issued the moment you pay, soft pull only. Free until issued.