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

Before the Register of Wills grants letters, most fiduciaries have to post a bond.
It guarantees you’ll faithfully administer the estate and account according to law.
The amount is fixed 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.

Filed with the Register of Wills before letters issue under 12 Del. C. § 1502
Amount is fixed by the Register at not less than the decedent’s personal estate (§ 1523)
Underwritten on personal credit and financials; collateral may apply to a large estate
Underwrittenestate sets the amountA-ratedA.M. Best carriers1 business daytypical specialist reply
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NYCEDC
BDG
Capital
McKinney
Terra
JLL
Triple Five
Georgetown
How it works

Built for the grant of letters.

The Register of Wills 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 estate’s value, the will or petition, and the fiduciary’s details. The estimated personal estate 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 fixed to the estate — underwriting decides approval and any collateral on a large estate.

ON APPROVAL

Execute & file

Once you bind, we issue the executed bond for the Register of Wills, ready for filing so letters testamentary or of administration 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 executor or administrator of an estate, or a guardian for a minor or a person with a disability — it usually requires a bond before granting letters.

The fiduciary bond guarantees you discharge the duties faithfully: that you inventory the assets, render just and true accounts, 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. A will can waive the personal representative’s bond, and Delaware can dispense with or reduce it in some circumstances — we tell you what your file needs before you commit.

Delaware StatuteUnder 12 Del. C. § 1502, letters testamentary are granted by the Register of Wills to the executor upon giving bond in accordance with Title 12 (§ 1504 governs letters of administration). When a bond is required and the will or court order does not specify the amount, 12 Del. C. § 1523 directs the Register to fix it at not less than the best estimate of the decedent’s personal estate, conditioned on faithful administration. Guardian bonds are governed by 12 Del. C. § 3905, under which the guardian becomes bound, with surety, in a penal sum fixed by the Court of Chancery.

You need this bond if you’re

An executor named in a will that requires bond, or where the Register or court orders one
An administrator appointed to administer an estate with no will, or no bond-waiving will
A guardian of a minor or a person with a disability appointed by the Court of Chancery
Counsel or a family member arranging the bond so the Register of Wills can grant letters and administration can begin

The application takes about ten minutes.

These are the actual underwriting fields — the estate, the bond amount the Register 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 a Delaware probate or fiduciary bond? +
It is the bond a fiduciary files before receiving letters — an executor, administrator, or guardian. Under 12 Del. C. § 1502, a personal representative qualifies by filing a bond with the Register of Wills, conditioned on faithful administration of the estate and protecting the estate or ward from mismanagement or fraud.
How much does it cost? +
It is underwritten, not flat-rated. The amount is fixed to the size of the estate — under 12 Del. C. § 1523 the Register sets it at not less than the best estimate of the decedent’s personal estate. 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 Register of Wills does for an estate, fixing it under 12 Del. C. § 1523 at not less than the best estimate of the decedent’s personal estate (unless the will or court order specifies an amount). A guardian’s bond is set by the Court of Chancery under 12 Del. C. § 3905. We size and underwrite to whatever amount is set.
Can the bond be waived? +
Sometimes. A will can expressly excuse the personal representative from giving bond, and Delaware does not require a bond except where the will requires it or the Court of Chancery orders one. Where a bond is required, it must be filed with the Register of Wills 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 for the Register of Wills, ready to file so letters can be granted.
Related bonds

Other New York bonds.

Get bonded so the court can grant letters.

Send us the estate details and the amount the Register 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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