NJ health club bonds.
From $100. Enter your amount.

The security New Jersey requires under the Health Club Services Act (N.J.S.A. 56:8-39 et seq.) to protect members’ prepaid dues if a club closes. Premiums start from $100 — your exact price is set by bond amount at the application; the application collects no credit information.

Required under the Health Club Services Act — filed with the Division of Consumer Affairs
Protects prepaid and preopening memberships if a club fails before contracts end
From $100 — enter your required bond amount to see your exact price
1% rate$100 minimum premiumInstantapproval for mostNo SSNin the application
Trusted by industry leaders
NYCEDC
BDG
Capital
McKinney
Terra
JLL
Triple Five
Georgetown
NYCEDC
BDG
Capital
McKinney
Terra
JLL
Triple Five
Georgetown
How it works

Apply to filed in one sitting.

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

TODAY · ONLINE

Apply online

Your business details, the bond amount your registration requires, and the effective date — that is the entire application.

INSTANTLY

Issued on the spot

The application collects no credit information, and most applicants are approved instantly — the executed bond is generated as soon as you pay. Larger amounts may get a quick review.

SAME DAY

File with Consumer Affairs

File the executed bond with the Division of Consumer Affairs as part of your health club registration. Wet-ink originals mailed whenever you need them.

About this bond

What it is and who needs it.

What the health club bond actually covers

New Jersey’s Health Club Services Act (N.J.S.A. 56:8-39 et seq.) requires a club that sells contracts longer than three months — or collects more than three months of dues in advance — to register with the Division of Consumer Affairs and post security backing its members’ prepaid dues.

The security is filed with the Director of the Division of Consumer Affairs to protect buyers who are damaged or suffer a loss by reason of the club’s breach of contract or bankruptcy. A surety bond is one of the accepted forms of security, alongside a letter of credit or deposited securities.

A new club generally posts a $50,000 bond; once a club has a full fiscal year of operating history, the amount is generally 10% of the prior fiscal year’s gross income. Enter the figure your registration requires and your exact premium appears — pricing starts from $100, and the application collects no credit information.

N.J.S.A. 56:8-39 et seq. (Health Club Services Act)Under the New Jersey Health Club Services Act (N.J.S.A. 56:8-39 et seq.), a health club selling contracts longer than three months must register with the Division of Consumer Affairs and maintain security — a surety bond, letter of credit, or deposited securities — to protect buyers if the club breaches or goes bankrupt. A new club generally posts $50,000; established clubs size the bond to 10% of prior-year gross income. Confirm your figure with Consumer Affairs.

You need this bond if you are

A gym or fitness club selling membership contracts longer than three months in New Jersey
Pre-selling memberships before a new club opens, in lieu of escrowing receipts
A studio or wellness club — yoga, pilates, spa — collecting prepaid dues
Renewing your registration and re-sizing the bond to last year’s gross income

One application, issued on the spot.

Submit the application with your required bond amount — the executed health club bond is generated instantly, ready to file with Consumer Affairs.

Start the application →
FAQ

Common questions.

How much is the New Jersey health club bond?Pricing is variable, based on the bond amount your registration requires. Premiums start from $100. A new club generally posts $50,000; established clubs size the bond to 10% of the prior fiscal year’s gross income. Enter the figure that applies and your exact price appears at the application.
Why does New Jersey require this bond?Under the Health Club Services Act, it protects members’ prepaid dues. If a club closes or breaches before a contract ends, the security pays damaged buyers — it is filed with the Division of Consumer Affairs for their benefit.
Do I need a credit check?The application collects no credit information for this bond. Most applications approve instantly; if a check ever runs on a larger amount, it is a soft pull that never affects your credit score.
How is my exact bond amount set?A new club without a full fiscal year of history generally posts $50,000. Once you have a year of operating history, the bond is generally 10% of your prior fiscal year’s gross income. Send us your situation and we’ll confirm which applies.
Can I use a letter of credit instead?The Act accepts several forms of security, including a surety bond, a letter of credit, or deposited securities. A surety bond is usually the cheapest — you pay a one-time premium rather than tying up the full amount in cash or bank collateral.
Related bonds

Other New Jersey bonds.

Health club bond, issued today.

Premiums from $100. Enter your required amount and file with Consumer Affairs the same day.

Your premiumfrom $100
Apply now →