Federal Business Services Bond 3c. 16 or more employees
Overview
Running a service business with 16 or more employees and working inside clients' homes or offices? You need a Federal Business Services Bond — and this is the version sized for your workforce. This bond protects your clients against employee theft, dishonesty, and property loss that occurs on the job. It signals to every client that your team is bonded and that their property is covered if something goes wrong.
Who Needs This Bond?
Your cleaning crew, maintenance team, or other service workforce is stepping into clients' spaces every day — and those clients want assurance. Any business operating under a federal business services framework with 16 or more employees on staff is required to carry this specific bond tier. Janitorial companies, home service contractors, facilities management firms, and similar operations fall squarely in this category. If your headcount hits 16, this is the bond level you must carry.
What is this Bond For?
This bond exists to financially protect clients when an employee of your business commits theft, fraud, or dishonest acts while on their property. It is a fidelity-class bond, meaning the trigger is employee misconduct — not an accident or property damage covered by general liability. If a covered employee steals from a client, the bond provides a financial remedy. It also gives your business a competitive edge by demonstrating accountability before a single job begins.
When is it Required?
Before your business takes on work under a federal business services arrangement with a workforce of 16 or more, this bond must already be active. Clients, contracts, or licensing authorities will require proof of coverage before authorizing access or issuing credentials. Do not wait until you are in front of a client or at a contract signing to sort this out. Have the bond in hand first.
Where Does it Apply?
This is a federal-level bond that applies to business service operations nationwide, not tied to a single state or local jurisdiction. It covers employee dishonesty exposures across all locations where your bonded workforce performs services. Wherever your employees work under this federal classification, the bond follows.
How to Buy Online
Click 'Buy This Bond Online' and the secure surety portal will open in a new tab. Enter your business details, complete the application for the 16-or-more-employees tier, and submit. Your bond documentation is delivered digitally so you can present proof of coverage without delay.
Why Bond Titan?
Bond Titan is powered by The Southern Agency and built for business owners who need to move fast — no waiting on an agent callback, no phone tag, no paperwork delays. Our nationwide catalog means this federal bond is available right now, ready to purchase online in minutes. You get a professional bond from an experienced agency, completed entirely on your schedule.