Does Colorado require a home care surety bond?

No. Colorado does not require a surety bond for non-medical home care agencies. A Class B agency must carry liability insurance of at least $100,000 per occurrence and $300,000 aggregate, or a surety bond in lieu of that insurance, for the whole license period. The bond is an alternative, not a separate requirement.

For the license itself, see Colorado home care agency licensing.

What is the difference between a surety bond and a fidelity bond?

A surety bond guarantees to the state or a payer that your agency will follow the rules or repay what it owes. A fidelity or employee dishonesty bond protects clients if a caregiver steals from them. Clients and referral sources often ask for the second even where the state requires neither.

What should you confirm with the state?

License fees are now set in 6 CCR 1011-1, Chapter 2, and the current amounts aren't listed in the home care rule; confirm the current fee with the Colorado Department of Public Health and Environment. Annual training is defined by required topics, not a set number of hours.