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South Carolina physical fitness center bonds.
From $100.

The special-deposit bond South Carolina requires under the Physical Fitness Services Act (S.C. Code 44-79-80) to protect members’ prepaid dues if a fitness center fails to deliver. Pricing starts from $100 — enter the amount the administrator set and your exact price appears at the application.

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Required under S.C. Code 44-79-80 for centers selling prepaid or credit fitness contracts
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Amount set by the administrator from your estimated future cost to service contracts sold, capped at $50,000
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From $100 — priced at 1% of the bond amount, $100 minimum; enter your required amount to see your price
From $1001% of the amount, $100 minNo credit check up to $50,000above 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 South Carolina physical fitness center bond cost?

1% 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 fitness center bond — enter your amount, pay, and file. Here is the whole thing:

TODAY · ONLINE

Apply online

Your business details, the bond amount the administrator required, and the effective date — that is the application.

INSTANTLY

Issued on the spot

No credit check up to $50,000. The executed bond is generated as soon as you pay. Above $50,000, a soft pull may add a short review.

SAME DAY

File and keep selling memberships

File the executed special-deposit bond with the administrator as the Act requires before you sell prepaid contracts. Wet-ink originals mailed whenever you need them.

About this bond

What it is and who needs it.

What the fitness center bond actually covers

South Carolina’s Physical Fitness Services Act (S.C. Code 44-79-10 et seq.) protects consumers who prepay for gym, studio, or wellness memberships. A physical fitness center is any facility or service that aids physical fitness through exercise or weight control.

Under S.C. Code 44-79-80, every center that enters into prepaid or credit contracts running more than three months or over $200 must maintain a surety bond with the administrator. The amount is set by the administrator from the estimated future cost to service the contracts sold, but cannot exceed $50,000.

The bond is for the use of the State of South Carolina and any member who has a cause of action against the center — typically when a center closes or stops delivering before prepaid contracts run out. If a valid claim is paid, you repay the surety. Enter the figure the administrator set, and we issue the bond at a price starting from $100 — no credit check up to $50,000.

S.C. Code 44-79-80 (Physical Fitness Services Act)Under S.C. Code 44-79-80, a physical fitness center that enters into prepaid or credit contracts of more than three months’ duration or over $200 must maintain a surety bond with the administrator, in a sum the administrator determines from the estimated future cost to service contracts sold, not to exceed $50,000. The bond runs to the State and to any member with a cause of action against the center. Confirm your required amount with the administrator.

You need this bond if you are

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A gym or fitness club selling prepaid or long-term membership contracts in South Carolina
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A studio or wellness center — yoga, pilates, weight control — collecting prepaid dues
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Pre-selling memberships before a new center opens
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Renewing your filing as the administrator re-sets the amount from your contract volume
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 and keep selling memberships. File the executed special-deposit bond with the administrator as the Act requires before you sell prepaid contracts. Wet-ink originals mailed whenever you need them.

What sets the price

The premium is 1% of the bond amount, $100 minimum: the amount the obligee sets moves the price, not your business profile.

No credit check up to $50,000. 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 administrator set — the executed bond is generated instantly, ready to file.

Start the application →
FAQ

Common questions.

How much is the South Carolina fitness center bond?Pricing is variable and starts from $100 — it depends on the bond amount, which is set by the administrator from the estimated future cost to service your prepaid contracts and cannot exceed $50,000. Pricing runs 1% of the bond amount, with a $100 minimum; enter the figure and your exact price appears at the application.
Why does South Carolina require it?The Physical Fitness Services Act (S.C. Code 44-79-80) protects members who prepay. If a center fails to deliver the services it sold, the special-deposit bond pays members with a valid cause of action — it is held for the use of the State and those members.
Do all fitness centers need it?Only centers that sell prepaid or credit contracts running more than three months or over $200. A center selling only month-to-month memberships at or under that threshold generally does not trigger the bond — confirm with the administrator.
Is there a credit check?No credit check up to $50,000. Above that, the carrier may run a soft pull, which never affects your score. Most applications approve instantly.
What amount should I enter if I'm not sure?Use the figure the administrator set for your center — it is based on your contract volume and capped at $50,000. If you don’t have it yet, send us your situation and we’ll help you 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 .

Fitness center bond, issued today.

Pricing from $100. Enter the amount the administrator set and file the same day.

Your premiumfrom $100
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