MN CFSS agency bonds ($50,000).
$1,500 flat. Soft pull.

Minnesota requires a Community First Services and Supports (CFSS) agency-provider to post a surety bond at enrollment with the Department of Human Services. The $50,000 tier applies to first-time enrollees and lower-volume agencies. Ours is $1,500 flat — 3% of the bond amount — with one soft credit pull.

Required at CFSS enrollment, reenrollment, and revalidation — under Minn. Stat. 256B.85
$50,000 tier — for first-time enrollees or agencies with $300,000 or less in prior-year CFSS payments
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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Triple Five
Georgetown
How it works

Three steps to enrolled.

Your CFSS enrollment 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.

$50,000 bond × 3% = $1,500, one-time per term. Fixed amount, fixed price, multi-year if you want it.

1-year term
$1,500
2-year term
$3,000
3-year term
$4,500
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 whose total CFSS Medicaid payments in the prior calendar year were $300,000 or less; $100,000 once prior-year payments exceed $300,000. This is the $50,000 tier — if your volume has crossed the threshold, use the $100,000 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 first-time CFSS agency-provider enrolling with Minnesota Health Care Programs
A lower-volume agency with $300,000 or less in prior-year CFSS payments
Reenrolling or revalidating and refreshing your provider surety bond
Converting from PCA to CFSS under the current DHS provider requirements

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 $50,000 Minnesota CFSS agency bond? +
The premium is $1,500 — a flat 3% of the $50,000 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 $50,000 bond is for first-time enrollees and agencies whose prior calendar-year CFSS Medicaid payments were $300,000 or less. Once those payments exceed $300,000, DHS requires the $100,000 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 enrollment is waiting on one document.

$1,500 flat, five-minute application, e-signed bond in 1–2 business days. Free until issued.

Your premium @ 3%$1,500
Apply now →