Federal Business Services Bond 4a. 6 or less employees
Overview
Small service businesses that send employees into client homes or offices — cleaning companies, maintenance crews, delivery teams — carry a real risk: employee theft. A Federal Business Services Bond (Schedule 4a) for six or fewer employees is designed to cover exactly that exposure. It protects your clients against dishonest acts committed by your workers while on the job. Carrying this bond signals to every client that you stand behind your people and your work.
Who Needs This Bond?
You run a service business with a small crew — six employees or fewer — and a client or contract is asking you to prove you carry fidelity protection. This is the federal-level Business Services Bond that covers employee dishonesty, and it is tailored for small operations where every worker has direct access to client property. Janitorial services, home healthcare aides, residential cleaners, and similar businesses are the most common buyers. If a customer, a contracting agency, or a federal procurement requirement has asked you for this bond, this is the one.
What is this Bond For?
This bond exists to compensate clients when a covered employee steals money, property, or valuables while performing services on-site. It is a fidelity instrument — it does not cover accidents or liability, only dishonest or fraudulent employee acts. The Schedule 4a classification means it covers a blanket group of employees rather than naming individuals. With six or fewer employees on the schedule, the bond is sized appropriately for a small service operation without overbuying coverage you don't need.
When is it Required?
Before you can start work under a federal contract or before a client agreement is finalized, this bond must already be in force. Do not wait until the last minute — some clients and contracting officers will not allow work to begin until they hold proof of your fidelity bond. The bond effective date must precede any employee's first day on a covered job site. Get bonded now so your paperwork is clean when it matters.
Where Does it Apply?
This is a federal-level bond, meaning it is not tied to any single state's licensing board or local jurisdiction. It is recognized across the United States wherever a federal business services bond is called for. Whether your clients are in one state or several, this bond travels with your business.
How to Buy Online
Click 'Buy This Bond Online' on this page and the secure surety portal will open in a new tab. Complete your application, submit it, and receive your bond documents digitally — no agent callback required. The whole process is fast, straightforward, and built for small business owners who need to move quickly.
Why Bond Titan?
Bond Titan is powered by The Southern Agency and built for business owners who need a bond now, not after a phone tag marathon with a local agent. Our nationwide catalog includes this exact federal bond, ready to purchase online at any hour. You get professional-grade surety products with the speed of a fully digital storefront.