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New Jersey cosmetology school bonds.
From $100.

A New Jersey cosmetology and hairstyling school must file a surety bond with the State Board before it can open — security that protects students if the school closes mid-program. Pricing is 2% of the bond amount, $100 minimum. Enter the amount the Board set to see your price.

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Required to open a cosmetology/hairstyling school under N.J.S.A. 45:5B-32
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Protects prepaid student tuition if a school fails before students finish
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From $100 — enter your required bond amount to see your exact price
2% rate$100 minimum bond premiumNo credit check up to $25,000above that, a soft pull at most, never a hard inquiryFastinstant underwriting
Trusted by industry leaders
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
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 New Jersey cosmetology school bond cost?

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

How it works

Three steps. One sitting.

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

TODAY · ONLINE

Apply online

Your school details, the bond amount the Board required, and the effective date — that is the application.

INSTANTLY

Issued on the spot

No credit check up to $25,000, and most applications issue instantly — the executed bond is generated as soon as you pay. Above $25,000, a soft pull may add a short review.

SAME DAY

File with the Board

Submit the executed bond with your school-license application to the State Board of Cosmetology and Hairstyling. Wet-ink originals mailed on request.

About this bond

What it is and who needs it.

What the school bond actually covers

New Jersey's State Board of Cosmetology and Hairstyling, within the Division of Consumer Affairs, licenses the schools that train cosmetologists, barbers, and related practitioners. Before a school opens, the Board requires a surety bond as a condition of its license under N.J.S.A. 45:5B-32.

The bond is conditioned on the school's due and faithful performance of the cosmetology and hairstyling law (N.J.S.A. 45:5B-1 through 45:5B-41). In practice it stands behind students' prepaid tuition — if a school closes or fails to deliver the instruction students paid for, a harmed student can initiate an action on the bond.

It is not insurance for you — if the surety pays a claim, you repay the surety. The Board sets the bond amount; enter that figure and see your price, from $100.

N.J.S.A. 45:5B-32 and 45:5B-33Under N.J.S.A. 45:5B-32, an applicant to open a cosmetology and hairstyling school must file a surety bond with the State Board of Cosmetology and Hairstyling, conditioned on faithful performance under N.J.S.A. 45:5B-1 through 45:5B-41; N.J.S.A. 45:5B-33 lets a person with a grievance initiate an action on the bond. The Board sets the amount — confirm it on your school-license application.

You need this bond if you are

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Opening a cosmetology or hairstyling school in New Jersey
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Adding a school license to an existing salon or training business
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Renewing a school license that requires the surety bond
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Replacing a non-renewed bond to keep your school license in good standing
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 carrier issues this bond for a single two-year term; the term cannot be changed at checkout.

Renewal falls on the statutory date, October 8, in the year your term ends.

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 Board. Submit the executed bond with your school-license application to the State Board of Cosmetology and Hairstyling. Wet-ink originals mailed on request.

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.

No credit check up to $25,000. 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 the bond amount the Board set — the executed bond is generated instantly, ready to file.

Start the application →
FAQ

Common questions.

How much is the New Jersey cosmetology school bond?Pricing is 2% of the bond amount, with a $100 minimum premium. The amount itself is set by the State Board of Cosmetology and Hairstyling on your school-license application. Enter that figure at the application and your exact price appears instantly.
Why does the Board require it?It protects students. The bond is conditioned on the school faithfully performing under the cosmetology law, and a student with a grievance — for example, prepaid tuition for instruction a closed school never delivered — can initiate an action on the bond under N.J.S.A. 45:5B-33.
Is there a credit check?No credit check up to $25,000. Above that, the carrier may run a soft pull, which never affects your score. Most applications approve instantly.
What amount should I choose?Use the amount printed on your Board application or instructions. If you are not sure, send us the application and we will confirm the figure before issuing.
Where do I file it?With the New Jersey State Board of Cosmetology and Hairstyling (Division of Consumer Affairs), alongside your school-license application. We issue the executed bond ready to submit.
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 .

Cosmetology school bond, issued today.

From $100. Enter the amount the Board set and file the same day.

Your premiumfrom $100
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