Federal Business Services Bond 7c. 16 or more employees
Overview
Federal Business Services Bonds protect clients from employee theft or dishonesty when a service company sends workers into homes or businesses. Bond 7c covers operations with 16 or more employees — a tier that signals a larger workforce and greater exposure. This is a fidelity-class bond, not a license bond, meaning its purpose is to financially protect the clients your employees serve. Coverage travels with the work, wherever your team operates across the country.
Who Needs This Bond?
Your company employs 16 or more workers who enter client properties to perform services — cleaning, maintenance, caregiving, or similar work — and a client, contract, or industry standard requires this bond before you can move forward. Business service companies at this employee tier face heightened scrutiny because more workers means more direct client exposure. This bond is the documented proof that your clients have financial recourse if one of your employees steals or commits an act of dishonesty on their property. Without it, many commercial contracts and residential clients simply won't work with you.
What is this Bond For?
This bond exists to compensate a client who suffers a financial loss caused by the dishonest or fraudulent act of one of your employees while on the job. It is a fidelity instrument — its trigger is employee misconduct, not your company's failure to perform a service. If a covered employee steals cash, property, or valuables from a client's home or place of business, the bond provides a financial remedy to the harmed party. The 7c designation reflects the 16-or-more employee count, which determines the bond amount your operation is required to carry.
When is it Required?
Before you sign a service contract, before your crew sets foot on a client's property, and before any regulated or commercial account is activated, this bond must already be in place. Clients and contracting parties require proof of bonding at the outset — not after work begins. If you're scaling up from a smaller tier and your employee count has crossed the 16-person threshold, you need to upgrade to this bond immediately. Carrying the wrong coverage tier is the same as carrying no coverage in the eyes of most contract requirements.
Where Does it Apply?
This is a federal-tier business services bond with no single-state restriction, making it appropriate for companies that operate across multiple states or under contracts that require federally structured fidelity coverage. The bond follows your employees to whatever job site they work, regardless of which state that work takes place in. It is structured for nationwide service operations that have outgrown state-level bond tiers.
How to Buy Online
Click 'Buy This Bond Online' and the secure surety portal will open in a new tab — enter your business details, select the correct employee tier, and complete your application. Most applicants move through the process quickly without waiting on an agent or a phone call. Your bond documents are issued digitally so you can deliver proof of coverage to your client or contracting party right away.
Why Bond Titan?
Bond Titan gives you direct online access to this specific bond without the delays of traditional agency channels — no callbacks, no waiting rooms, no middlemen. Our catalog covers fidelity bonds at every employee tier, and this 16-or-more level is ready to purchase right now. Bond Titan is powered by The Southern Agency, bringing decades of surety expertise to a fast, modern buying experience.