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Missouri payment of contributions bonds.
From $100.

The Missouri Division of Employment Security can require an employer to post a bond guaranteeing its unemployment contributions or payments in lieu of contributions under RSMo Chapter 288. The division sets the amount, and pricing is 2% of the bond amount, $100 minimum.

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Filed with the Division of Employment Security under Missouri’s Employment Security Law, RSMo Chapter 288
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Guarantees contributions or payments in lieu of contributions — used by reimbursable and leasing employers
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One soft credit pull — never a hard inquiry, and it never affects your score
2% of amount$100 minimumSoft pull onlynever a hard inquiryFastinstant underwriting
Trusted by industry leaders
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The Georgetown Company
New York City Economic Development Corporation (NYCEDC)
Blumenfeld Development Group (BDG)
Capital Development Partners
McKinney Properties
Terra Capital
JLL (Jones Lang LaSalle)
Triple Five Group
The Georgetown Company
Price

How much does a Missouri payment of contributions bond cost?

2% of the bond amount, from $100. Enter your amount in the calculator for the exact price.

How it works

Three steps to filed.

Apply once, run one soft credit pull, and file with the division. Here is the whole thing — no broker phone tag:

TODAY · ONLINE

Apply online

Your business details, the bond amount the division required, and the effective date. The only extra step is a one-time consent to a soft credit pull.

RIGHT AWAY

Approved

Most are approved as soon as you apply. One soft credit pull, never a hard inquiry, and it never affects your score. If it needs a second look, one to two business days at most.

WHEN YOU PAY

File with the division

Pay online and receive the executed bond, ready to file with the Division of Employment Security. Wet-ink originals mailed whenever the division insists.

About this bond

What it is and who needs it.

What this bond actually guarantees

Missouri administers unemployment insurance through the Division of Employment Security under the Employment Security Law, RSMo Chapter 288. Most employers simply pay quarterly contributions, but some — nonprofit and governmental employers electing reimbursement, and employee-leasing companies — can be required to post security so the trust fund is protected.

For a leasing employer, the statute allows a surety bond in an amount equal to the contributions or payments in lieu of contributions for which the unit was liable in the last calendar year, or $100,000, whichever is greater, to ensure prompt payment of contributions, interest, penalties and surcharges. The exact figure comes from the division.

The bond runs to the State of Missouri for the benefit of the unemployment compensation fund — if you fail to remit what you owe, the division can recover against it, and if the surety pays, you repay the surety. We issue the amount the division set, priced at 2% of the bond amount, $100 minimum, with one quick soft credit check.

RSMo Chapter 288 (Employment Security Law)Missouri’s Employment Security Law, RSMo Chapter 288, lets the Division of Employment Security require security for unemployment contributions or payments in lieu of contributions. For a lessor (leasing) employing unit, the bond is set at the contributions for which the unit was liable in the last calendar year, or $100,000, whichever is greater. The exact amount and form come from the division — send us your notice and we’ll confirm.

You need this bond if you are

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An employee-leasing company the division requires to post security for client-employer wages
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A reimbursable employer — a nonprofit or governmental entity electing payments in lieu of contributions
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Re-establishing an account the division flagged after a late or unremitted contribution
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A new employer the division wants bonded before approving your election
After you buy

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 division. Pay online and receive the executed bond, ready to file with the Division of Employment Security. Wet-ink originals mailed whenever the division insists.

What sets the price

The premium is 2% of the bond amount, $100 minimum: the amount the obligee sets moves the price, not your business profile.

One soft credit pull, never a hard inquiry, and it never affects your score.

Where a check runs, it decides approval; the rate is the same for everyone approved.

One application, one soft pull.

These are the actual underwriting fields, including a one-time consent to a soft credit pull. Submit once and your bond is issued when you pay.

Start the application →
FAQ

Common questions.

How much is the Missouri payment of contributions bond?Pricing is 2% of the bond amount, with a $100 minimum, and your exact price appears at the application. The bond amount itself is set by the Division of Employment Security — for a leasing employer it is generally your prior-year liability or $100,000, whichever is greater.
Who requires this bond?The Missouri Division of Employment Security, under RSMo Chapter 288. It typically applies to employee-leasing companies and to nonprofit or governmental employers electing to reimburse the fund instead of paying contributions.
Is there a credit check?Yes: one soft credit pull, never a hard inquiry, and it never affects your score. It informs approval, not price: your price is 2% of the bond amount, $100 minimum, either way.
What does the bond protect?The Missouri unemployment compensation fund. If you fail to remit the contributions or payments in lieu of contributions you owe, the state can recover against the bond — and if the surety pays, you repay the surety.
What amount should I enter?Use the figure on your Division of Employment Security notice. If you have not received one yet, the leasing-employer floor is $100,000 (or your last-year liability if greater). Send us the notice and we’ll confirm before issuing.
Which A-rated carriers underwrite these bonds?Typically Arch Insurance Company (A.M. Best A+) or Nationwide Mutual Insurance Company (A.M. Best A). Which one writes your bond depends on the bond type and your state. The carrier's name and official signature are printed on the bond you receive.
How do I contact Light RFP about this bond?Email insurance@lightrfp.com. It reaches the bond team at Light RFP Risk Management Services LLC (NY DFS License # PC-1978982). Write to us about quotes, applications, bond forms or certificates. We will respond within 24 hours.
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Price and requirements checked on the carrier’s application, . Page updated .

Contributions bond, filed this week.

Pricing from $100, soft pull only. Enter the amount the division set and see your price in 1–2 business days.

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