MD health club bonds.
Flat 3%. Enter your amount.

The security Maryland requires under Commercial Law § 14-12B-02 to protect health club members’ prepaid dues if a club closes. New registrants post at least $50,000; the amount then scales with what members have prepaid. We issue it at a flat 3% with no credit check.

Required to register under Commercial Law § 14-12B-02 to sell health club services agreements
Minimum $50,000 until your outstanding member liabilities exceed it — then it scales up
Flat 3%, no credit pull — enter your required bond amount and the premium updates
Flat 3%of your bond amount$275minimum premiumNo creditcheck to issue
Trusted by industry leaders
NYCEDC
BDG
Capital
McKinney
Terra
JLL
Triple Five
Georgetown
NYCEDC
BDG
Capital
McKinney
Terra
JLL
Triple Five
Georgetown
How it works

Apply to filed in one sitting.

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

TODAY · 5 MINUTES

Apply online

Your business details, the bond amount your liabilities require, and the effective date — that is the entire application.

INSTANTLY

Issued on the spot

No credit check and no waiting — the executed bond is generated as soon as you pay. Larger amounts may get a quick review.

SAME DAY

File and keep selling memberships

Register the executed bond as § 14-12B requires before and while you sign membership agreements. Wet-ink originals mailed whenever you need them.

The whole pricing page.

Bond amount × 3% = your premium, one-time, $275 minimum. Enter the security your liabilities require and the premium updates.

$50,000 bond
$1,500
$100,000 bond
$3,000
$200,000 bond
$6,000
About this bond

What it is and who needs it.

What the health club bond actually covers

Maryland’s Health Club Services law (Commercial Law § 14-12B) requires a seller of health club services agreements to register and maintain a surety bond. The bond protects members’ prepaid fees, dues, deposits, and initiation fees if the club goes out of business before their contracts end.

A new registrant must keep a bond of at least $50,000 until its outstanding obligations to consumers exceed that figure. After that, the bond is set to the aggregate value of outstanding member liabilities — moneys received in advance, less the prorated value of services already delivered — based on a report from an independent CPA.

For lifetime contracts, liabilities are prorated over no more than 36 months, and the bond is commonly capped around $200,000 per location. Enter the figure your situation requires and we issue the bond at a flat 3% with no credit check.

Md. Code, Commercial Law § 14-12B-02Under Commercial Law § 14-12B-02, a person who sells health club services agreements must register and maintain a surety bond — at least $50,000 for new registrants until outstanding consumer obligations exceed that amount, then in an amount equal to the aggregate value of outstanding member liabilities, supported by an independent CPA report. Lifetime-contract liabilities are prorated over not more than 36 months. Confirm the figure that applies to your club.

You need this bond if you are

A gym or fitness club selling membership agreements in Maryland
A new club registering and posting the $50,000 minimum to start
An established club bonding to your outstanding member liabilities
A studio or wellness club — yoga, pilates, spa — that collects prepaid dues

Five minutes, issued on the spot.

Submit the application with your required bond amount — the executed health club bond is generated instantly, ready to register.

Start the application →
FAQs

Common questions.

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

How much is the Maryland health club bond? +
The premium is a flat 3% of the bond amount, with a $275 minimum. The amount itself starts at $50,000 for new registrants and then scales to your outstanding member liabilities. Enter your figure and the quote updates.
Why does Maryland require this bond? +
Under Commercial Law § 14-12B-02 it protects members’ prepaid dues. If a club closes before contracts end, the bond pays injured members — it is held for the benefit of consumers, not the club.
How is my bond amount set? +
New clubs post at least $50,000. Once your outstanding obligations to members exceed that, the bond equals the aggregate value of those liabilities — prepaid fees and dues less the prorated value of services delivered — based on a report from an independent CPA.
Is there a credit check? +
No — the health club bond is issued with no credit pull. Larger bond amounts may get a quick soft-pull review, which never affects your credit score.
Is the bond amount capped? +
In practice the per-location bond is commonly capped around $200,000. Send us your member liabilities and we’ll confirm the amount that applies to your club.
Related bonds

Other New York bonds.

Health club bond, issued today.

Five-minute application, flat 3%, $275 minimum. Enter your required amount and register it the same day.

Your premium @ 3%$1,500
Apply now →