Minnesota club membership bonds.
From $100.

Minnesota requires a health, dating, or buying club to register with the Attorney General’s Office and file a surety bond once it takes prepayments of $50 or more. The bond protects members’ prepaid dues if the club closes, and its amount follows your outstanding liabilities to members. Pricing starts from $100.

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Required under Minn. Stat. ch. 325G when a club accepts member prepayments of $50 or more

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Amount equals your aggregate outstanding liabilities to members — capped at $200,000 regardless of how many facilities you run

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From $100, no credit fields in the application — enter your required bond amount and see your price at the application

From $100priced at 0.5% of the bond amount, $100 minNo SSNin the applicationFastinstant issuance for most

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How it works

Three steps. One sitting.

No underwriting queue for the standard club bond — enter your amount, pay, and file with the Attorney General. Here is the whole thing:

TODAY · ONLINE

Apply online

Your business details, the bond amount your outstanding liabilities require, and the effective date — that is the entire application.

INSTANTLY

Issued on the spot

The application collects no credit information, so most bonds are generated as soon as you pay. Larger amounts may get a quick soft-pull review that never affects your score.

SAME DAY

File with the Attorney General

Submit the executed bond with your club registration to the Minnesota Attorney General’s Office. Wet-ink originals mailed whenever the office insists.

About this bond

What it is and who needs it.

What the club bond actually covers

Minnesota regulates health, sport, fitness, dating, and buying clubs that sell prepaid memberships under the club-membership provisions of Minn. Stat. ch. 325G. A club that accepts prepayments of $50 or more must register with the Attorney General’s Office and post security, of which a surety bond is one accepted form.

The bond is held for the benefit of members. If a club closes or files for bankruptcy and a member loses part of their prepaid membership fee, the member (or the Attorney General on their behalf) can file a claim against the bond and recover.

The required amount is the aggregate value of your outstanding liabilities to members — what you would owe back if you closed today. The statute caps the bond at $200,000 no matter how many facilities you operate. Enter the figure your liabilities require; pricing starts from $100 and the application collects no credit information.

Minn. Stat. ch. 325G (club memberships)Minnesota’s club-membership statutes (Minn. Stat. §§ 325G.23–325G.28) require a health, dating, or buying club that takes member prepayments of $50 or more to register with the Attorney General and maintain security — a surety bond, letter of credit, or cash — in an amount not less than the aggregate value of outstanding liabilities to members, never required above $200,000. The bond protects members who lose prepaid fees if the club closes. Confirm your outstanding-liability figure on your registration (form CLUB3).

You need this bond if you are

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A health or fitness club selling prepaid memberships in Minnesota

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A dating or social-referral service that collects membership fees in advance

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A buying club taking prepayments of $50 or more from members

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Renewing your AG registration and refreshing the bond for your current liabilities

One application, issued on the spot.

Submit the application with your required bond amount — the executed club bond is generated instantly, ready to file with the Attorney General.

Start the application →

FAQ

Common questions.

How much is the Minnesota club bond?The price is 0.5% of the bond amount, with a $100 minimum. The amount itself equals your aggregate outstanding liabilities to members and is never required above $200,000. Enter the figure your liabilities require and your exact price appears at the application.

When does a club need this bond?Under Minn. Stat. ch. 325G, a health, dating, or buying club must register with the Attorney General and post security once it accepts member prepayments of $50 or more. Clubs that take no prepayments generally do not need the bond.

Is there a credit check?The application collects no credit information for this bond. Most applications approve instantly; if a check ever runs, it is a soft pull that never affects your score.

What does the bond protect against?It protects members who lose part of a prepaid membership fee if the club closes or files for bankruptcy. A harmed member, or the Attorney General on their behalf, can file a claim against the bond — and if the surety pays, the club repays the surety.

Can I use cash or a letter of credit instead?Yes — the statute accepts a surety bond, an irrevocable letter of credit, or cash. A surety bond is usually cheapest, since you pay a small premium rather than tying up the full amount in cash or bank collateral.

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.

Club bond, issued today.

Pricing from $100. Enter your required amount and file with the Attorney General the same day.

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