Alabama probate & fiduciary bonds.
We size, underwrite & quote it.

Before the probate court grants letters, most fiduciaries have to post a bond.
It guarantees you’ll discharge the duties of the trust faithfully and according to law.
The court sets the amount to the size of the estate — and we underwrite it.
A surety specialist reviews your file and returns a quote, usually within one business day.

Required of most fiduciaries under Ala. Code § 43-2-851 unless waived by the will or court
Amount is set by the court — the estate’s capital value plus one year’s income
Underwritten on personal credit and financials; collateral may apply to a large estate
Underwrittencourt sets the amountA-ratedA.M. Best carriers1 business daytypical specialist reply
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BDG
Capital
McKinney
Terra
JLL
Triple Five
Georgetown
How it works

Built for the grant of letters.

The probate court won’t issue letters until the bond is filed and approved, so the bond is usually the last step before you can act. Here is the whole process:

TODAY · 10 MINUTES

Send us the file

Apply online with the order or petition setting the bond, the estate’s value, and the fiduciary’s details. The estate size and any restricted assets drive the penal sum.

WITHIN 1 BUSINESS DAY

A surety specialist underwrites it

A specialist reviews the file, a personal credit check, and any financials, then returns a quote. The amount is set by the court — underwriting decides approval and any collateral on a large estate.

ON APPROVAL

Execute & file

Once you bind, we issue the executed bond payable to the judge of probate, ready for the court to approve so letters can issue.

About this bond

What it is and who needs it.

What a fiduciary bond protects

When the court appoints you to handle someone else’s money — as the personal representative of an estate, or a guardian or conservator for a ward — it usually requires a bond before granting letters.

The fiduciary bond guarantees you discharge all the duties of the trust according to law: that you inventory the assets, account honestly, and don’t misuse the estate. If you breach those duties, the bond makes the estate or ward whole — and the surety looks to you to repay it.

Because the surety stands behind the estate, the bond is underwritten on your personal credit and finances, and a large estate can require collateral. Alabama’s probate court can also accept alternative collateral — pledged securities or a mortgage of land — in lieu of sureties. We tell you what your file needs before you commit.

Alabama StatuteAla. Code § 43-2-851 requires a personal representative to furnish bond payable to the judge of probate, conditioned upon faithful discharge of all duties of the trust according to law. The bond runs in the amount of the aggregate capital value of the estate in the representative’s control plus one year’s estimated income, less restricted assets; a will may exempt the representative, and the court may accept other collateral in lieu of sureties. Guardian and conservator bonds are governed by § 26-2A-139.

You need this bond if you’re

A personal representative (executor or administrator) appointed to administer an Alabama estate
A guardian of a minor or an incapacitated adult under chapter 2A of Title 26
A conservator managing the property of someone who cannot manage it alone
Counsel or a family member arranging the bond so the probate court can grant letters and you can begin administering

The application takes about ten minutes.

These are the actual underwriting fields — the estate, the bond amount the court set, the fiduciary, and your finances. Submit once and a surety specialist returns a quote, typically within one business day. Free until your bond is issued.

Start the application →
FAQs

Common questions.

If yours isn't here, the bond team can usually answer within the hour.

What is an Alabama probate or fiduciary bond? +
It is the bond a probate court requires before granting letters to a fiduciary — a personal representative, guardian, or conservator. Under Ala. Code § 43-2-851, it is payable to the judge of probate and conditioned upon faithful discharge of all the duties of the trust according to law, protecting the estate or ward from mismanagement or fraud.
How much does it cost? +
It is underwritten, not flat-rated. The court sets the penal sum to the size of the estate — its aggregate capital value plus one year’s estimated income under § 43-2-851. A surety specialist then reviews the fiduciary’s personal credit and finances and returns a premium quote, usually within one business day.
Who decides the bond amount? +
The court does. Section 43-2-851 sets the amount at the aggregate capital value of the estate in the fiduciary’s control plus one year’s estimated income, less assets that cannot be removed or conveyed without a court order. We size and underwrite the bond to whatever amount the court sets.
Can the bond be waived? +
Sometimes. A will can expressly exempt the personal representative from giving bond, though the court can still require one — for example, if an interested party files an affidavit showing the estate is endangered for want of security. Where it isn’t waived, the fiduciary must file a bond before letters issue.
How fast can the bond be issued? +
A specialist typically returns a quote within one business day of a complete application. Once you bind and any collateral is in place, the executed bond issues payable to the judge of probate, ready for the court to approve so letters can issue.
Related bonds

Other New York bonds.

Get bonded so the court can grant letters.

Send us the estate details and the amount the court set, and a surety specialist sizes, underwrites, and quotes the bond — typically within one business day. Free until your bond is issued.

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