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PCA Agency Surety Bond

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What is a PCA Agency Surety Bond?

PCA Agencies provide assistance to disabled individuals of all ages in order to help them live independently or with their family. PCAs help people in need through all activities of daily living, to include bathing, dressing, meal preparation, managing finances, behavioral guidance, etc.

Required by state governments, this type of commercial surety bond guarantees that Personal Care Assistance Agencies (or Personal Care Providers) will comply with all applicable state rules and statutes pertaining to personal care provider agencies. Like other types of surety bonds, PCA bonds can become the foundation for a claim and offer compensation to affected parties.

Do you need a PCA Agency Bond? Apply now and get a free bond quote. If you need any help, don’t hesitate to call us at (877) 514-5146.

Find Your Surety Bond

  • Alabama
    Alabama Medicaid Agency Bond
    Alabama Medicaid Agency
  • California
    Health and Human Services Agency
    CA Health & Human Services
  • California
    Health Facility Bond
    CA Dept of Public Health
  • District of Columbia
    Home Care Organization Bond
    DC Department of Health Care Finance
  • Florida
    Nursing Homes Patient Trust
    Agency for Health Care Administration
  • Florida
    Adult Assisted Living Facility
    Agency for Health Care Administration
  • Florida
    Agency for Health Care Administration Bond
    Agency for Health Care Administration
  • Illinois
    Assisted Living and Shared Housing Act Bond
    Dept of Public Health - Div of Assisted Living
  • Minnesota
    PCA Agency Bond
    Dept of Human Services
  • Nevada
    Health Care Facilities & Services
    State of Nevada, Department of Human Resources, Di
  • New Jersey
    Health Care Service Firm
    NJ Consumer Affairs
  • New York
    State of New York Nursing Homes
  • Ohio
    Nursing Homes Bond
    Director of the Ohio Department of Human Services
  • Texas
    Nursing Homes
    Texas Department of Aging & Disability Services
  • Virginia
    Home Care Organization
    Department of Health
  • Virginia
    Home Care Organization Bond
    Virginia Department of Health

Questions about Personal Care Assistance Pca Agency Surety Bond

How much does a PCA agency surety bond cost?

There’s a quick way to get an estimate of your bonding costs, but you first need to know the total value of the required bond. Each state determines its own required total bond values. This is the maximum penal sum of the bond, i.e. the maximum a claimant could get. Some states have fixed amounts for all PCA agencies, while others determine them based on the fees collected by the agency in a given year.

For example, Minnesota PCA agency bonds have a total bond amount of $50,000 if the agency had less than $300,000 in revenue over the past year or if they are a newly-enrolled provider. For those whose yearly revenue exceeds $300,000, the bond amount is $100,000. Be sure to check for additional bonding requirements, as Minnesota also requires a $20,000 fidelity bond.

PCA agencies pay yearly premiums in order to obtain the surety bond they need. The premium can be as little as 1% for applicants with good credit and a clean credit report. Additional factors can also contribute to your premium; learn all about it on our What Does a Surety Bond Cost? Page.

Is it possible to get a PCA agency surety bond with bad credit?

Surety bond companies are responsible for any claims you trigger, so they assess all applicants’ likelihood of triggering claims. A bad credit score is a red flag. So are civil judgments, tax liens or other past due items. All of these will raise your premiums (in the range of 5% - 10%), but they will not prevent you from getting bonded.

Our bad credit surety bonds expertise guarantees that you will get the lowest possible premium, tailored to your situation.

How to apply for a PCA agency surety bond

The application can vary based on the state and the surety bonds company that underwrites it. After you submit our online application, we’ll contact you and let you know how to proceed. Some underwriters may want to look into your financial statements (both business and personal) to better assess the risk. Signing an indemnity agreement is also a standard procedure.

After your application has been finalized, we will be able to get your bond issued in one or two business days in most situations.

What happens if someone files a claim?

Facing a claim is certainly not a pleasant scenario. Violating your state’s statutes and applicable regulations can be very costly, which is why it’s imperative to provide regular training to all staff in your personal care agency.

If you suspect you have been wrongfully accused and wish to fight the claim in court, you can present your case to your bonding company first. If they agree with you, they can help with legal advice and increase your chances of winning the case. Document your business and your communications carefully, in case of such a dispute.

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What Our Clients Have To Say?

Kimberlee Ables
Quick response times and turn around for issuing bonds. Great customer service and very knowledgeable. We have used Lance Surety multiple times and have never been disappointed. Highly recommend them and Collette!
Andrew Poincot
Long story short, these guys cut through the B.S. and get the job done. Responsiveness, excellent! Communication, excellent! Respect for their industry partners, excellent! John, Collette, Ryan, you're all-stars! Thank you!
Margie Martinez
We decided for Lance Surety Bond's quote for 2 reasons; Price and Customer Service. Our Representative Ryan was just SUPERB!! [...] I highly recommend Lance Surety Bond for all your Bonding needs! I'll definitely come back for all of mine. :-) Thanks Ryan!

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