Connecticut lost instrument bonds.
We size, underwrite & quote it.

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.

Indemnifies the issuer under UCC §3-309 / §3-312 so it can reissue a lost instrument
Penal sum set by the face value of the instrument — a closed-penalty bond, not a flat-rate figure
Underwritten on the instrument and your credit; collateral may apply on a high-value bond
Underwrittenface value sets the amountA-ratedA.M. Best carriers1 business daytypical specialist reply
Trusted by industry leaders
NYCEDC
BDG
Capital
McKinney
Terra
JLL
Triple Five
Georgetown
NYCEDC
BDG
Capital
McKinney
Terra
JLL
Triple Five
Georgetown
How it works

Built to get the instrument reissued.

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:

TODAY · 10 MINUTES

Send us the file

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.

WITHIN 1 BUSINESS DAY

A surety specialist underwrites it

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.

ON APPROVAL

Execute & deliver

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.

About this bond

What it is and who needs it.

What a lost instrument bond protects

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.

Governing LawThis is governed by the Uniform Commercial Code rather than a Connecticut-specific statute. UCC Article 3 §3-309 lets a person who lost possession of an instrument enforce it, with the court able to require security indemnifying the obligor against loss, and §3-312 provides a declaration-of-loss procedure for a lost, destroyed, or stolen cashier’s, teller’s, or certified check. Connecticut has adopted Article 3 of the UCC. The bond stands in for that indemnity so the issuer can reissue the instrument.

You need this bond if you’re

The owner of a lost cashier’s, teller’s, or certified check asking the bank to reissue it
A shareholder who lost a stock or bond certificate and needs the transfer agent to replace it
The holder of a lost note or other instrument seeking a replacement from the maker
An executor or trustee replacing a lost instrument that belongs to an estate or trust

The application takes about ten minutes.

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 →
FAQs

Common questions.

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

What is a Connecticut lost instrument bond? +
It is the indemnity bond a bank, transfer agent, or maker requires before reissuing a lost negotiable instrument — a cashier’s check, stock certificate, or note. It protects the issuer from having to pay twice if the original later surfaces, the risk UCC §3-309 and §3-312 address. The penal sum is the face value of the instrument.
How much does it cost? +
It is underwritten, not flat-rated. The penal sum is the face value of the lost instrument, and a surety specialist reviews the instrument, your credit, and any collateral and returns a premium quote — usually within one business day.
Why does the issuer require this bond? +
Because the original instrument could resurface in the hands of a holder in due course, who could demand payment. The bond indemnifies the issuer so it can reissue a replacement without bearing the risk of paying twice — exactly the protection UCC §3-309 and §3-312 contemplate.
Will I need to post collateral? +
Often, for a high-value instrument. Because the surety stands behind the full face value, the bond is frequently collateralized with cash, a letter of credit, or pledged assets, and supported by financials. We tell you what your specific instrument requires before you commit.
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 on the issuer’s required form, ready to deliver so the bank or transfer agent can reissue the instrument.
Related bonds

Other New York bonds.

Replace the instrument, protect the issuer.

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.

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