Replace a lost cashier’s check, stock certificate, or note — without leaving the issuer exposed.
A lost instrument bond indemnifies the issuer if the original later surfaces.
The face value sets the penal sum — and we underwrite it.
A surety specialist reviews your file and returns a quote, usually within one business day.
















A bank or transfer agent generally will not reissue a lost instrument until the indemnity bond is in place, so the bond sits between you and a replacement. Here is the whole process:
Apply online and tell us the instrument — what it is, its face value, and the issuer requesting the bond. That is what we size the lost instrument bond to.
A specialist reviews the instrument, your credit, and any collateral, then returns a quote. A high-value bond may be collateralized — cash, a letter of credit, or pledged assets.
Once you bind, we issue the executed bond on the issuer’s required form with the power of attorney attached, ready to deliver to the bank or transfer agent so it can reissue the instrument.
When a negotiable instrument goes missing — a cashier’s check, a stock or bond certificate, a promissory note — the issuer faces a real problem: if it reissues a replacement and the original later turns up in the hands of a holder, it can be forced to honor both.
A lost instrument bond solves that by indemnifying the issuer. It guarantees that if the original surfaces and the issuer has to pay it, the bond makes the issuer whole — which is why the penal sum is the face value of the instrument, and why the surety underwrites you before issuing it.
Because the surety stands behind the full face value, a high-value bond is usually collateralized — with cash, a letter of credit, or pledged assets — and supported by financials. We tell you what a given instrument needs before you commit.
These are the actual underwriting fields — the instrument, its face value, your credit, and the issuer’s requirements. Submit once and a surety specialist reviews everything together and 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.
Tell us the instrument and its face value, and a surety specialist sizes, underwrites, and quotes the bond — typically within one business day. Free until your bond is issued.