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AMERICAN SURETY BONDS AGENCY
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DISHONESTY/BUSINESS SERVICES BOND
American Surety Bonds Agency makes it fast and easy for service-based businesses to get their Business Service Bond — apply online and purchase your bond instantly, starting at $95.
What Is a Dishonesty/Business Services Bond?
A Dishonesty/Business Services Bond guarantees that a bonded business will reimburse its client for covered loss caused by theft, dishonesty, or fraud committed by an employee while performing services at the client’s home or business.
This bond protects your client, not your own business. If a bonded employee steals property or money, or causes damage through a dishonest act while performing work at a client’s location, the client can file a claim against the bond for covered loss, up to the bond amount. This is different from an Employee Dishonesty Bond or fidelity bond, which reimburses your own company for losses your employees cause you directly — this Business Services Bond is written the other direction, to protect the people you work for.
Many businesses carry this bond as a marketing and trust tool even when no client specifically requires it, since it signals to prospective clients that employees have been through a background review and that a claim remedy exists if something goes wrong.
Also Known As
This bond goes by several names depending on the industry. You may also see it called:
- Business Service Bond
- Janitorial Bond
These generally refer to the same bond described on this page. It’s sometimes discussed alongside a related-but-different product, the Employee Dishonesty Bond — see the FAQ below for how the two differ.
Who Needs a Dishonesty/Business Services Bond?
This bond is commonly needed by service-based businesses whose employees work inside a client’s home or business, including:
- Cleaning and janitorial companies
- Home care and companion care providers
- Moving companies
- Landscaping and lawn care services
- Security guard companies
- Any service-based business whose employees regularly work inside a client’s home or business
Most commercial clients require proof of this bond before awarding a service contract; other businesses purchase it voluntarily to strengthen client trust.
What Do I Need to Apply for a Dishonesty/Business Services Bond?
This bond is available through Instant Issue — no waiting on underwriting review. To complete the online application, you’ll need:
- Business name, address, and contact information
- Number of owners and employees to be covered under the bond
- A payment method to purchase your bond
Your bond is issued as soon as your application and payment are complete.
How Much Does a Dishonesty/Business Services Bond Cost?
This bond starts at $95. Apply online to see your exact price and purchase your bond instantly.
How Do I Apply for a Dishonesty/Business Services Bond?
Obtaining your bond through American Surety Bonds Agency is simple:
1. Complete the online application for the Dishonesty/Business Services Bond.
2. Choose your bond and complete payment.
3. Receive your bond instantly.
Why Choose American Surety Bonds Agency?
American Surety Bonds Agency has been helping service-based businesses meet their clients’ bonding requirements for decades. Whether you’re finalizing a new contract or need coverage in place today, our experienced team is here to make the process simple and efficient.
When you choose American Surety Bonds Agency, you’ll receive:
- Experienced surety bond professionals
- Competitive rates from leading surety companies
- Fast underwriting and responsive customer service
- A secure online application process
- Instant bond issuance with no wait for underwriting
Above all, we’re committed to helping you meet your client’s bond requirement quickly and correctly, with experienced guidance every step of the way.
Frequently Asked Questions
| What is a Dishonesty/Business Services Bond? | It guarantees that a bonded business will reimburse a client for covered loss caused by theft, dishonesty, or fraud committed by its employees while performing services on the client’s property. |
| Is this the same as an Employee Dishonesty Bond? | It covers the same underlying risk — employee theft or dishonesty — but the two protect different parties. An Employee Dishonesty Bond (or fidelity bond) reimburses your own business for internal losses. A Business Services Bond reimburses your client if your employee steals from or damages their property while performing work there. This bond is written to cover the client-facing side. |
| Is this the same as a Janitorial Bond? | Yes — “Janitorial Bond” is simply the name commonly used when a cleaning or janitorial company purchases this same Business Services Bond. The coverage and structure are the same regardless of industry. |
| Who needs this bond? | Service-based businesses whose employees work inside a client’s home or business — cleaning and janitorial companies, home care providers, movers, security guards, landscapers, and similar service providers. It’s often requested by a client or required in a service contract, rather than mandated by a specific state statute. |
| How much does this bond cost? | This bond starts at $95. Apply online to see your exact price and purchase your bond instantly. |
| Can I get this bond instantly online? | Yes — this bond is available through our Instant Issue application. Fill out the online form and purchase your bond right away, with no wait for underwriting review. |
| Do I have to be bonded at a specific amount? | Not usually by law — the amount is typically set by what a client requires in a contract, or by how much coverage you want to offer as reassurance to clients. Your bond amount is selected as part of the online application. |
Who Can I Contact for More Information?
Contact American Surety Bonds Agency toll-free at (877) 201-8976 or our Atlanta office at (404) 486-2355. Our team can help identify the right bond for your situation.