Certified PEO bonds.
$100 flat.

A Certified Professional Employer Organization (CPEO) must post a federal surety bond with the IRS on Form 14751 to obtain and keep its certification. This is a federal bond, not an Iowa license bond. We issue it for $100 flat — the application collects no credit information, and the premium stays the same no matter the bond amount the IRS formula requires.

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Required to become and stay an IRS-certified PEO under IRC §7705 and §3511

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Amount is the greater of $50,000 or 5% of your CPEO federal employment-tax liability — capped at $1,000,000

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$100 flat, no credit section — enter your required bond amount, the premium stays fixed

$100 flatone price, every CPEOInstantissuance for mostNo SSNin the application

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How it works

Apply to issued in one sitting.

No underwriting queue for the standard CPEO bond — enter your amount, pay, and file with the IRS. Here is the whole thing:

TODAY · 5 MINUTES

Apply online

Your business details, the bond amount the IRS formula requires, and the bond period — that is the entire application.

INSTANTLY

Issued on the spot

The application collects no credit information, so there is no waiting — the executed bond is generated as soon as you pay. Larger amounts may get a quick review.

SAME DAY

File Form 14751 with the IRS

Submit the executed bond on IRS Form 14751 for the annual bond period (April 1 through March 31). Wet-ink originals mailed whenever the IRS insists.

About this bond

What it is and who needs it.

What the CPEO bond actually covers

A Professional Employer Organization can apply to the IRS to become a Certified PEO under IRC §7705, which (among other benefits) makes the CPEO solely liable for federal employment taxes on the wages it pays to worksite employees under IRC §3511. To get and keep that certification, the CPEO must post a surety bond to the IRS.

The bond guarantees payment of the CPEO’s federal employment taxes. Its amount is set by formula — the greater of $50,000 or 5% of the CPEO’s liability under §3511 for the preceding calendar year, capped at $1,000,000 — and it is posted on IRS Form 14751 for an annual bond period running April 1 through March 31.

Note this is a federal bond: it is required by the IRS, not by the State of Iowa, and it applies to any CPEO regardless of where it operates. If the surety pays the IRS on the bond, the CPEO repays the surety. Enter the amount your formula requires — the premium is $100 flat regardless, and the application collects no credit information.

IRC §7705 & §3511 · IRS Form 14751A Certified PEO must post a surety bond to the IRS on Form 14751 under IRC §7705 and the §3511 regulations. The bond amount is the greater of $50,000 or 5% of the CPEO’s liability under §3511 for the preceding calendar year, up to $1,000,000, for a bond period running April 1 through March 31. This is a federal certification requirement, not an Iowa state license bond — confirm your required amount with your CPEO certification advisor or the IRS.

You need this bond if you are

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Applying to become an IRS-certified PEO — the bond is part of certification

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Maintaining your CPEO status and renewing the bond for the next April–March period

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Re-sizing your bond after your prior-year §3511 liability changed the formula amount

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Replacing a surety that non-renewed your existing CPEO bond

Five minutes, issued on the spot.

Submit the application with the bond amount the IRS formula requires — the executed bond is generated instantly, ready to file on Form 14751.

Start the application →

FAQs

Common questions.

If yours isn't here, the bond team can usually answer within the hour.

How much is the CPEO bond? ▾

$100 flat. The bond amount itself is set by the IRS formula — the greater of $50,000 or 5% of your CPEO §3511 liability for the preceding year, capped at $1,000,000 — but the premium you pay stays fixed at $100.

Is this an Iowa bond? ▾

No — it is a federal bond required by the IRS under IRC §7705 and §3511, posted on Form 14751. It applies to any certified PEO regardless of state. We list it here because we write it; the requirement comes from the IRS, not the State of Iowa.

Is there a credit check? ▾

The application collects no credit information. Most CPEO bonds approve instantly; if a check ever runs, it is a soft pull that never affects your credit score.

What is the bond period? ▾

The CPEO bond runs an annual period from April 1 through March 31. The IRS recomputes the required amount each year based on your prior-year §3511 liability, so the bond amount can change at renewal.

What does the bond guarantee? ▾

Payment of the CPEO’s federal employment taxes. If the CPEO fails to pay and the surety pays the IRS on the bond, the CPEO repays the surety — it is a guarantee for the IRS, not insurance for the PEO.

Related bonds

Other Iowa bonds.

CPEO bond, issued today.

Five-minute application, $100 flat. Enter the amount the IRS formula requires and file Form 14751 the same day.

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