Minnesota CFSS agency bonds ($50,000).
$1,000 flat.

Minnesota requires a Community First Services and Supports (CFSS) agency-provider to post a surety bond at enrollment with the Department of Human Services. The $50,000 tier applies to first-time enrollees and lower-volume agencies. The price is $1,000 flat, and a quick soft credit check may apply — never a hard inquiry.

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Required at CFSS enrollment, reenrollment, and revalidation — under Minn. Stat. 256B.85

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$50,000 tier — for first-time enrollees or agencies with $300,000 or less in prior-year CFSS payments

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Soft pull only — never a hard inquiry, and the price stays $1,000 either way

A-ratedA.M. Best carriersInstantissued the moment you paySoft pullnever a hard inquiry

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How it works

Three steps to enrolled.

Your CFSS enrollment is waiting on this bond. Here is the entire process — no broker phone tag:

TODAY · ONLINE

Apply once, online

Agency details, owner information, effective date, plus a couple of commercial questions. The only extra step is a one-time consent to a soft credit pull.

RIGHT AWAY

Approved

Most are approved as soon as you apply. The soft pull never affects your credit score. If it needs a second look, one to two business days at most.

WHEN YOU PAY

E-sign & file with DHS

Pay online and receive the executed bond ready to submit with your CFSS enrollment, reenrollment, or revalidation. Wet-ink originals mailed whenever DHS insists.

About this bond

What it is and who needs it.

What the CFSS bond actually guarantees

Minnesota’s Community First Services and Supports (CFSS) program — the successor to PCA services — is run by the Department of Human Services (DHS) under Minn. Stat. 256B.85. Every CFSS agency-provider must show proof of a surety bond at enrollment, reenrollment, and revalidation.

The bond protects Minnesota Health Care Programs and the people it serves against losses — for example, payments for services not properly rendered. It must be in a form DHS approves, renewed annually, and must allow recovery of the costs and fees of pursuing a claim.

The amount is tiered by volume: $50,000 for first-time enrollees and agencies whose total CFSS Medicaid payments in the prior calendar year were $300,000 or less; $100,000 once prior-year payments exceed $300,000. This is the $50,000 tier — if your volume has crossed the threshold, use the $100,000 bond instead.

Minn. Stat. 256B.85 (CFSS agency-providers)Minn. Stat. 256B.85 (subd. 12) requires each CFSS agency-provider to provide proof of surety bond coverage at enrollment, reenrollment, and revalidation, in a form approved by the commissioner of Human Services, renewed annually and allowing recovery of claim costs and fees. Per DHS / Minnesota Health Care Programs, the bond is $50,000 for first-time enrollees or when prior calendar-year CFSS payments were $300,000 or less, and $100,000 when they exceeded $300,000. A separate $20,000 fidelity bond per location also applies — confirm both with DHS.

You need this bond if you're

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A first-time CFSS agency-provider enrolling with Minnesota Health Care Programs

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A lower-volume agency with $300,000 or less in prior-year CFSS payments

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Reenrolling or revalidating and refreshing your provider surety bond

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Converting from PCA to CFSS under the current DHS provider requirements

One application, issued instantly.

These are the actual underwriting fields, including the commercial questions and a one-time consent to a soft credit pull. Submit once and your bond is issued when you pay.

Start the application →

FAQ

Common questions.

How much is the $50,000 Minnesota CFSS agency bond?The premium is $1,000 flat, set by our carrier’s rate book, the same for every agency on this tier. A quick soft credit check may apply and affects approval, never the price.

Which tier do I need — $50,000 or $100,000?The $50,000 bond is for first-time enrollees and agencies whose prior calendar-year CFSS Medicaid payments were $300,000 or less. Once those payments exceed $300,000, DHS requires the $100,000 bond. We carry both.

Who requires this bond?The Minnesota Department of Human Services, through Minnesota Health Care Programs, as a condition of CFSS agency-provider enrollment under Minn. Stat. 256B.85. It is required at enrollment, reenrollment, and revalidation.

Is there a credit check?A quick soft credit check may apply — never a hard inquiry, no impact on your score. It informs approval, not price. The price is $1,000 either way: credit can affect whether we approve the bond, never what it costs.

Is the surety bond the same as the fidelity bond?No. DHS requires both — a CFSS surety bond ($50,000 or $100,000) and a separate $20,000 fidelity bond per provider location. They are different filings; tell us what you need and we’ll issue the right one.

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.

Related bonds

Other Minnesota bonds.

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$1,000 flat, short application, bond issued when you pay. Free until issued.

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