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South Carolina preneed funeral bonds.
From $100.

The bond a South Carolina funeral provider files with the Department of Consumer Affairs to sell preneed funeral contracts, under S.C. Code Title 32, Chapter 7. The amount is tiered to the contracts you write, and premiums run 1% of your bond amount, $100 minimum; your exact price appears at the application.

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Required to sell preneed funeral contracts under S.C. Code Title 32, Chapter 7
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Amount is tiered to the preneed contracts you have written — $15,000 up to $75,000
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From $100 — enter your required bond amount and your exact price appears at the application
From $1001% of bond amount, $100 minExactprice at the applicationNo SSNin the application
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
How it works

Three steps. One sitting.

No underwriting queue for the standard preneed bond — enter your amount, pay, and file with Consumer Affairs. Here is the whole thing:

TODAY · ONLINE

Apply online

Your business details, the bond amount your contract tier requires, and the effective date — that is the entire application.

INSTANTLY

Issued on the spot

The application collects no credit information, and most applicants see the bond issue right after payment. Larger amounts may get a quick review.

SAME DAY

File with the Department of Consumer Affairs

Submit the executed bond with your preneed registration. Wet-ink originals mailed whenever the department insists on them.

About this bond

What it is and who needs it.

What the preneed bond actually covers

South Carolina regulates preneed funeral contracts under S.C. Code Title 32, Chapter 7, administered by the Department of Consumer Affairs. A preneed provider takes money today for funeral goods and services delivered years later, so the state wants security standing behind those obligations.

A surety bond is one of the accepted forms of financial responsibility. It guarantees that you perform and observe all the agreements, covenants, and conditions of Chapter 7 — and any person covered under a preneed contract you sold can proceed against the bond if you default.

The required amount is tiered to the value of the preneed contracts you have written: commonly $15,000 for the first band of contracts, then $30,000, $45,000, and $75,000 as the dollar volume climbs. Confirm your tier on your Consumer Affairs application; whatever it is, premiums run 1% of that amount with a $100 minimum, and the application collects no credit information.

S.C. Code Title 32, Chapter 7 (Consumer Affairs)South Carolina preneed funeral contracts are governed by S.C. Code Title 32, Chapter 7, administered by the Department of Consumer Affairs. A provider must demonstrate financial responsibility — a surety bond is one accepted form — conditioned on performing all agreements and conditions of the chapter, with any covered contract holder able to proceed against the bond on default. The amount is tiered to the value of contracts written (commonly $15,000 to $75,000); confirm your tier on your application.

You need this bond if you are

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A funeral home or provider selling preneed funeral contracts in South Carolina
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Registering with Consumer Affairs as a new preneed contract provider
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Renewing your authority and updating the bond to your current contract tier
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Moving up a tier as the dollar value of your preneed contracts grows

One application, issued on the spot.

Submit the application with the bond amount your contract tier requires — the executed bond is generated instantly, ready to file with Consumer Affairs.

Start the application →
FAQ

Common questions.

How much is the South Carolina preneed funeral bond?Pricing runs 1% of your bond amount, with a $100 minimum. The amount itself is tiered to the preneed contracts you have written — commonly $15,000, $30,000, $45,000, or $75,000. Enter your tier at the application and your exact price appears there; the premium works out to 1% of your bond amount, $100 minimum.
How do I know which tier applies?The Department of Consumer Affairs sets the bond by the dollar value of preneed contracts you have written — typically $15,000 for the first band, scaling up to $75,000 for high volume. Your application states the figure; send it to us and we’ll confirm.
Is there a credit check?The preneed bond application collects no credit information, and most applications approve instantly. If a check ever runs on a larger bond amount, it is a soft pull only and never affects your credit score.
What does the bond protect against?It protects the families who pre-paid. If you fail to perform a preneed contract or misapply funds, a covered contract holder can claim against the bond — and if the surety pays, you repay the surety. It is not insurance for you.
Can I use a deposit or letter of credit instead?South Carolina accepts more than one form of financial responsibility, including a surety bond and a letter of credit. A surety bond is usually cheapest — you pay the 1% 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.
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Preneed bond, issued today.

Pricing from $100. Enter your tier and file with Consumer Affairs the same day.

Start application
Your premiumfrom $100
Apply now →