Certified PEO bonds.
From $100. Enter your amount.
A Certified Professional Employer Organization (CPEO) must post a surety bond guaranteeing its federal employment taxes under 26 U.S.C. 7705(c), filed with the IRS on Form 14751. The bond amount runs from a $50,000 minimum to a $1,000,000 maximum, set by your tax liability. Pricing on that bond amount is 1% of the bond amount, $100 minimum — enter your required amount and your exact price appears at the application. The application collects no credit information; most applications approve instantly, and if a check ever runs it is a soft pull that won’t touch your score.
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Apply to filed in one sitting.
The IRS gives you 30 days after certification notice to post the bond. Here is the whole process:
Apply online
Your organization’s details, the bond amount the IRS requires, and the effective date — that is the entire application. The application collects no credit information.
Issued on the spot
No waiting — the executed bond is generated as soon as you pay. Larger amounts may get a quick underwriter review; if a credit check ever runs it is a soft pull that won’t touch your score.
File on IRS Form 14751
Submit the executed bond on Form 14751, Certified Professional Employer Organization Surety Bond, to the IRS within the required window. Wet-ink originals mailed on request.
What it is and who needs it.
What the CPEO bond actually guarantees
A Professional Employer Organization (PEO) handles payroll and employment taxes for its client businesses. The IRS’s voluntary CPEO certification lets a PEO take on sole liability for its clients’ federal employment taxes — and in exchange, under 26 U.S.C. 7705(c), a CPEO must post a surety bond guaranteeing those taxes.
The certification process and bond are detailed in 26 CFR 301.7705-2, and the bond is filed on IRS Form 14751. The amount must be the greater of $50,000 or 5% of the CPEO’s employment-tax liability under section 3511 for the preceding year, capped at $1,000,000. CPEO bonds run on an annual cycle that expires March 31.
The bond guarantees payment of the CPEO’s federal employment taxes — if the surety pays, the CPEO repays the surety. It is a guarantee for the Treasury, not insurance for the PEO. We issue the amount the IRS requires from $100; the application collects no credit information, and most applications approve instantly.
You need this bond if you are
One application, issued on the spot.
Submit the application with the bond amount the IRS requires — the executed bond is generated instantly, ready to file on Form 14751. No credit-check section on this bond.
Start the application →Common questions.
Other Federal bonds.
CPEO bond, issued today.
From $100 on a $50,000 minimum bond. Enter your required amount and file on Form 14751 the same day.