Tennessee health club bonds.
$250 flat.
Tennessee requires a for-profit health club that collects prepaid dues to register with the Division of Consumer Affairs and post a $25,000 surety bond under Tenn. Code Ann. § 47-18-301 et seq. Ours is $250 flat — the price you see is the checkout price — with a quick soft credit check that may apply and never affects your score.
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How much does a Tennessee health club bond cost?
$250 at the $25,000 amount, the same for every applicant.
Three steps. One sitting.
Registration bonds are the simplest thing in surety. Here's the entire process:
Apply online
Business details and an effective date — that's most of the application. A quick soft credit check may apply and never affects your score.
Pay & e-sign
Registration bonds like this are among the thousands of bond types that issue right after purchase. Issued when you pay. One soft credit pull, never a hard inquiry, and it never affects your score.
File with your registration
Your executed bond arrives by email, ready to file with your Division of Consumer Affairs health club registration or renewal. Wet-ink original mailed on request.
What it is and who needs it.
What the bond actually guarantees
A Tennessee health club bond is a member-protection guarantee. Clubs that take prepaid membership dues register with the Division of Consumer Affairs under the Consumer Protection Act, and the state wants a financial backstop so members aren't left without service or a refund if the club closes.
It's a three-party arrangement: you (the principal), the surety carrier, and the State of Tennessee (the obligee), with your members as the protected parties. If a club shuts down or can't deliver the contracted services, members can recover their prepaid dues against the bond, up to the full $25,000.
The bond must stay active while you hold prepaid memberships. Let it lapse and your registration can be pulled — so we track it and notify you 60 and 30 days out, keeping your $25,000 filing continuous. The surety must give the state 30 days' notice before any cancellation.
You need this bond if you're
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 $25,000 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; a longer term is the same price per year, chosen at checkout.
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 your registration. Your executed bond arrives by email, ready to file with your Division of Consumer Affairs health club registration or renewal. Wet-ink original mailed on request.
What sets the price
The premium is fixed at $250 at the $25,000 amount for every applicant: the carrier’s rate book prices this bond by the form, not by your credit or your business profile.
One soft credit pull, never a hard inquiry, and it never affects your score.
Where a check runs, it decides approval; the rate is the same for everyone approved.
One application, issued instantly.
These are the actual issuing fields. A quick soft credit check may apply — it never affects your score.
Start the application →Common questions.
Other Tennessee bonds.
The same bond in nearby states.
Been told you need a different amount?
Price and requirements checked on the carrier’s application, . Page updated .
Finish your registration checklist today.
$250 flat, short application, bond often issued in the same sitting. Free until issued.