MN CFSS agency bonds ($100,000).
$3,000 flat. Soft pull.

A higher-volume Community First Services and Supports (CFSS) agency-provider must post a $100,000 bond with the Department of Human Services once its prior-year CFSS payments exceed $300,000. Ours is $3,000 flat — 3% of the bond amount — with one soft credit pull.

Required at CFSS enrollment, reenrollment, and revalidation — under Minn. Stat. 256B.85
$100,000 tier — once prior calendar-year CFSS Medicaid payments exceed $300,000
Soft credit pull only — never affects your score, and the rate stays a flat 3% either way
A-ratedA.M. Best carriers1–2 daystypical issuanceSoft pullnever affects your score
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BDG
Capital
McKinney
Terra
JLL
Triple Five
Georgetown
How it works

Three steps to enrolled.

Your CFSS enrollment or revalidation is waiting on this bond. Here is the entire process — no broker phone tag:

TODAY · 5 MINUTES

Apply once, online

Agency details, owner information, effective date, plus a couple of commercial questions. The only extra step is a one-time consent to a soft credit pull.

WITHIN 48 HOURS

Reviewed & approved

Most clear quickly; if underwriting needs anything, you hear from an underwriter within 48 hours. The soft pull never affects your credit score.

1–2 BUSINESS DAYS

E-sign & file with DHS

Pay online and receive the executed bond ready to submit with your CFSS enrollment, reenrollment, or revalidation. Wet-ink originals mailed whenever DHS insists.

The whole pricing page.

$100,000 bond × 3% = $3,000, one-time per term. Fixed amount, fixed price, multi-year if you want it.

1-year term
$3,000
2-year term
$6,000
3-year term
$9,000
About this bond

What it is and who needs it.

What the CFSS bond actually guarantees

Minnesota’s Community First Services and Supports (CFSS) program — the successor to PCA services — is run by the Department of Human Services (DHS) under Minn. Stat. 256B.85. Every CFSS agency-provider must show proof of a surety bond at enrollment, reenrollment, and revalidation.

The bond protects Minnesota Health Care Programs and the people it serves against losses — for example, payments for services not properly rendered. It must be in a form DHS approves, renewed annually, and must allow recovery of the costs and fees of pursuing a claim.

The amount is tiered by volume: $50,000 for first-time enrollees and agencies at or under $300,000 in prior-year CFSS payments, and $100,000 once prior calendar-year payments exceed $300,000. This is the $100,000 tier — if your volume is at or below the threshold, use the $50,000 bond instead.

Minn. Stat. 256B.85 (CFSS agency-providers)Minn. Stat. 256B.85 (subd. 12) requires each CFSS agency-provider to provide proof of surety bond coverage at enrollment, reenrollment, and revalidation, in a form approved by the commissioner of Human Services, renewed annually and allowing recovery of claim costs and fees. Per DHS / Minnesota Health Care Programs, the bond is $50,000 for first-time enrollees or when prior calendar-year CFSS payments were $300,000 or less, and $100,000 when they exceeded $300,000. A separate $20,000 fidelity bond per location also applies — confirm both with DHS.

You need this bond if you're

A higher-volume CFSS agency-provider whose prior-year CFSS payments exceeded $300,000
Revalidating an established agency that has crossed the $300,000 threshold
Reenrolling with Minnesota Health Care Programs at the higher bond tier
Scaling up from the $50,000 tier as your CFSS volume grows

Five minutes. The whole thing.

These are the actual underwriting fields, including the commercial questions and a one-time consent to a soft credit pull. Submit once and your bond is typically issued within 1–2 business days.

Start the application →
FAQs

Common questions.

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

How much is the $100,000 Minnesota CFSS agency bond? +
The premium is $3,000 — a flat 3% of the $100,000 bond amount, the same for every agency on this tier. A soft credit pull affects approval, never the price.
Which tier do I need — $50,000 or $100,000? +
The $100,000 bond applies once your prior calendar-year CFSS Medicaid payments exceed $300,000. If they were $300,000 or less — or you are a first-time enrollee — you need the $50,000 bond. We carry both.
Who requires this bond? +
The Minnesota Department of Human Services, through Minnesota Health Care Programs, as a condition of CFSS agency-provider enrollment under Minn. Stat. 256B.85. It is required at enrollment, reenrollment, and revalidation.
Is there a credit check? +
Yes — one soft credit pull, which never affects your score. It informs approval, not price. The rate is a flat 3% either way: credit can affect whether we approve the bond, never what it costs.
Is the surety bond the same as the fidelity bond? +
No. DHS requires both — a CFSS surety bond ($50,000 or $100,000) and a separate $20,000 fidelity bond per provider location. They are different filings; tell us what you need and we’ll issue the right one.
Related bonds

Other New York bonds.

DHS revalidation is waiting on one document.

$3,000 flat, five-minute application, e-signed bond in 1–2 business days. Free until issued.

Your premium @ 3%$3,000
Apply now →