Missouri health club bonds.
From $100.
Before a Missouri health spa sells memberships, it must register with and file a bond at the Attorney General's office under RSMo 407.327 — protecting members' prepaid dues if the spa closes. Pricing is variable, from $100, and your exact price appears at the application; your premium is 1% of the bond amount, with a $100 minimum.
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How much does a Missouri health club 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 bond amount your contract count requires, and the effective date — that is the application. No credit check up to $50,000; your exact price appears before you pay.
Issued on the spot
No waiting — the executed bond is generated as soon as you pay. Above $50,000, a soft pull may add a short review.
File with the Attorney General
Submit the executed bond with your health spa registration at the Missouri Attorney General's office before you sign membership contracts. Wet-ink originals mailed whenever they insist.
What it is and who needs it.
What the health club bond actually covers
Missouri's health spa law (RSMo 407.325 to 407.339) makes it unlawful for a health spa to offer or execute a membership contract unless it has registered with the Attorney General and, in most cases, filed a surety bond. The bond protects members if the spa goes out of business before their prepaid contracts end.
The bond amount is tiered by your number of unexpired membership contracts that run longer than three months: $10,000 for 500 or fewer, $20,000 for 501 to 1,000, and $25,000 for more than 1,000. A surety bond is one accepted form of security; a letter of credit is the alternative.
Some established spas qualify for an exemption from the bond, and the requirements have nuances — so confirm your tier and whether a bond is required for your situation. Whatever amount applies, pricing starts from $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 with your health spa registration at the Missouri Attorney General's office before you sign membership contracts. Wet-ink originals mailed whenever they insist.
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 your required bond amount — the executed health spa bond is generated instantly, ready to file with the Attorney General.
Start the application →Common questions.
Other Missouri bonds.
The same bond in nearby states.
Price and requirements checked on the carrier’s application, . Page updated .
Health club bond, issued today.
Pricing from $100. Enter your required amount, see your exact price, and file with the Attorney General the same day.