NY health club bonds.
Flat 3%. Enter your amount.
The security New York requires under General Business Law Article 30 before a health club sells memberships. It protects buyers’ prepaid dues if the club closes — file it with the Department of State, and we issue it at a flat 3%, no credit check.
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Apply to filed in one sitting.
No underwriting queue for the standard health club bond — enter your amount, pay, and file with the Department of State. Here is the whole thing:
Apply online
Your business details, the bond amount your contract terms require, and the effective date — that is the entire application.
Issued on the spot
No credit check and no waiting — the executed bond is generated as soon as you pay. Larger amounts may get a quick review.
File with the Department of State
Submit the executed bond to the NY Department of State before you begin selling membership contracts. Wet-ink originals mailed whenever the state insists on them.
The whole pricing page.
Bond amount × 3% = your premium, one-time, $275 minimum. Enter the security your contract terms require and the premium updates.
What it is and who needs it.
What the health club bond actually covers
New York’s Health Club Services law (General Business Law Article 30, §§620–631) requires every health club to file and maintain a security before it enters into any contract for services with a buyer. Section 622-a lets you satisfy it with a surety bond, an irrevocable letter of credit, or a certificate of deposit.
The security is payable to the people of the State of New York for the benefit of any buyer injured if the club goes out of business before a member’s contract ends, or otherwise fails to give a refund owed after cancellation. It exists to protect prepaid memberships.
The statute sets the amount by your longest contract term — $50,000 for terms up to 12 months, $75,000 up to 24 months, and $150,000 up to 36 months — with additional amounts for clubs operating multiple locations. Enter the figure your terms require, and we issue the bond at a flat 3% with no credit check.
You need this bond if you are
Five minutes, issued on the spot.
Submit the application with your required bond amount — the executed health club bond is generated instantly, ready to file with the Department of State.
Start the application →Common questions.
If yours isn't here, the bond team can usually answer within the hour.
How much is the New York health club bond? +
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Do I need a credit check? +
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Can I use a letter of credit instead? +
Other New York bonds.
Health club bond, issued today.
Five-minute application, flat 3%, $275 minimum. Enter your required amount and file with the Department of State the same day.