Lost a cashier’s check, stock certificate, or note? You can get it replaced.
But the issuer wants protection first — a bond that indemnifies them if the original surfaces.
The penal sum tracks the value of the instrument, so we underwrite it rather than flat-rate it.
A surety specialist reviews your file and returns a quote, usually within one business day.
















The bank, transfer agent, or issuer usually won’t reissue the instrument until your bond is in hand. Here is the whole process:
Apply online with a description of the lost instrument, its value, the issuer, and how it was lost. The value and the issuer’s requirement drive the penal sum.
A specialist reviews the file, a credit check, and any financials, then returns a quote. The penal sum tracks the instrument’s value — underwriting decides approval and any collateral.
Once you bind, we issue the executed bond on the issuer’s required form, ready to give to the bank, transfer agent, or company so they can reissue the instrument.
When a negotiable instrument — a cashier’s check, stock certificate, or promissory note — is lost, stolen, or destroyed, the holder can ask the issuer to replace it. But the issuer faces a real risk: the original could still be out there and turn up in someone else’s hands.
A lost instrument bond indemnifies the issuer against exactly that. If the original is later presented and the issuer has to pay it too, the bond makes the issuer whole — and the surety looks to you, the indemnitor, to repay it.
Because the bond protects the issuer for the value of the instrument, the penal sum is set to that value (often a multiple), and a high-value instrument can require collateral and financials. We tell you what your file needs before you commit.
These are the actual underwriting fields — the lost instrument, its value, the issuer, 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 →If yours isn't here, the bond team can usually answer within the hour.
Send us the instrument’s details and value, and a surety specialist sizes, underwrites, and quotes the bond — typically within one business day. Free until your bond is issued.