Kentucky health spa bonds.
From $100.
Kentucky requires a health spa selling prepaid memberships to register with the Attorney General's Office of Consumer Protection and post a surety bond. The amount steps up with your contract count — $10,000, $25,000, or $50,000 — and premiums are 1% of the bond amount, $100 minimum, with no credit check up to $50,000 in the application.
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How much does a Kentucky health spa bond cost?
1% of the bond amount, from $100. Enter your amount in the calculator for the exact price.
Three steps. One sitting.
No underwriting queue for the standard health spa bond — enter your amount, pay, and file with the Attorney General. Here is the whole thing:
Apply online
Your business details, the spa name and address, your contract-count tier, and an effective date — that is the application.
Issued on the spot
No credit check up to $50,000.
File with the Attorney General
Submit the executed bond to the Attorney General's Office of Consumer Protection with your health spa registration. Wet-ink originals mailed on request.
What it is and who needs it.
What the health spa bond actually covers
A health spa — a gym, fitness center, or spa selling prepaid memberships — must register with the Attorney General's Office of Consumer Protection in Kentucky and post a surety bond. The bond is a member-protection guarantee that stands behind the prepaid money members hand over before they've received the service.
Under the statute, the bond pays a member who loses money paid because the spa becomes insolvent, ceases operating, or fails to open within 90 days of selling its first contract. The required amount steps up with how many membership contracts you hold: $10,000 for 150 or fewer, $25,000 for 151–300, and $50,000 for 301 or more.
It is not insurance for you — if the surety pays a claim, you repay the surety. Pick the amount that matches your contract count; premiums start at $100 and no credit check up to $50,000.
You need this bond if you are
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 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.
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 Attorney General. Submit the executed bond to the Attorney General's Office of Consumer Protection with your health spa registration. Wet-ink originals mailed on request.
What sets the price
The premium is 1% of the bond amount, $100 minimum: the amount the obligee sets moves the price, not your business profile.
No credit check up to $50,000. Above that, the carrier may run a soft pull, which never affects your score.
Where a check runs, it decides approval; the rate is the same for everyone approved.
One application, issued on the spot.
Submit the application with the bond amount your contract count requires — the executed bond is generated instantly, ready to file.
Start the application →Common questions.
Other Kentucky bonds.
Price and requirements checked on the carrier’s application, . Page updated .
Health spa bond, issued today.
Premiums from $100. Pick the tier your contract count requires and file the same day.