IN 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, and the bond issues the moment you pay. The application includes a credit consent, but it authorizes a soft pull only — never a hard inquiry.
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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
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.
File your health spa bond before you sell a single membership.
$250 flat, issued the moment you pay, soft pull only. Free until issued.