North Carolina lottery retailer bonds.
From $100.
No credit check up to $10,000. Above that, the carrier may run a soft pull, which never affects your score. NCEL sets the amount (minimum $2,000 per location); premiums start at $100 and no credit check up to $10,000.
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How much does a North Carolina lottery retailer bond cost?
2% of the bond amount, from $100. Enter your amount in the calculator for the exact price.
Three steps. One sitting.
No underwriting queue for a standard lottery bond — enter your amount, pay, and file with NCEL. Here is the whole thing:
Apply online
Your business details, the bond amount NCEL required, and the effective date — that is the application.
Issued on the spot
No waiting — the executed bond is generated as soon as you pay. Above $10,000, a soft pull may add a short review.
Mail to NCEL Retailer Contracts
Send the executed bond and power of attorney to the NC Education Lottery, Retailer Contracts Department in Raleigh. Wet-ink originals provided as standard.
What it is and who needs it.
What the lottery bond actually covers
The NC Education Lottery (NCEL) contracts with retailers to sell lottery tickets, and a retailer collects lottery proceeds that belong to the lottery. No credit check up to $10,000. Above that, the carrier may run a soft pull, which never affects your score.
The bond protects the lottery if a retailer fails to remit proceeds or otherwise breaches the retailer contract — for example, not turning over sales receipts or falsifying records. NCEL sets the amount based on its assessment, with a minimum of $2,000 per retail location.
No credit check up to $10,000. Above that, the carrier may run a soft pull, which never affects your score. Enter the amount on your NCEL notice and the executed bond is generated on the spot, ready to mail to the Retailer Contracts Department.
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
Mail to NCEL Retailer Contracts. Send the executed bond and power of attorney to the NC Education Lottery, Retailer Contracts Department in Raleigh. Wet-ink originals provided as standard.
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 $10,000. 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 NCEL set — the executed bond is generated instantly, ready to mail to Retailer Contracts.
Start the application →Common questions.
Other North Carolina bonds.
The same bond in nearby states.
Price and requirements checked on the carrier’s application, . Page updated .
Lottery bond, issued today.
Premiums from $100. Enter the amount NCEL set and mail it the same day.