Illinois lost instrument bonds.
Replace it. Indemnify the issuer.
Lost a cashier’s check, stock certificate, or note? The issuer will usually reissue — once you indemnify them.
A lost instrument bond protects the issuer if the original ever resurfaces in someone else’s hands.
The penalty tracks the value of the instrument; these bonds are underwritten, not flat-rated.
Tell us what was lost and a surety specialist returns a quote — usually within one business day.
Trusted by industry leaders
Built so the issuer will reissue.
Most issuers won’t reissue without an indemnity bond in hand. Here is the whole process:
Tell us what was lost
Apply online with the instrument type, its value, and the issuer’s requirements. The penalty tracks the value, so an accurate figure sizes the bond.
A specialist underwrites it
A surety specialist reviews the instrument, the issuer’s indemnity form, and your application. Higher-value instruments may call for collateral — we raise that up front.
Execute & deliver to the issuer
We issue the executed bond on the issuer’s required form so they can reissue the check, certificate, or note.
What it is and who needs it.
How a lost instrument bond works
When a negotiable instrument — a cashier’s check, stock certificate, or promissory note — is lost, destroyed, or stolen, the issuer faces a problem: if they reissue and the original later turns up in the hands of a good-faith holder, they could have to pay twice.
A lost instrument bond solves that. It indemnifies the issuer: if the original is ever presented by someone entitled to enforce it, the bond covers the issuer’s loss. That assurance is what lets them reissue to you.
These bonds are underwritten to the instrument’s value rather than flat-rated, and higher-value instruments may require collateral. We size and quote once we know what was lost and the issuer’s requirements.
You need this bond if you’re
The application takes about ten minutes.
Tell us what was lost, its value, and the issuer’s requirements. A surety specialist underwrites it and returns a quote — usually within one business day. Free until your bond is issued.
Start the application →Common questions.
If yours isn't here, the bond team can usually answer within the hour.
What is a lost instrument bond? +
Why does the issuer require a bond? +
How much is the bond? +
How much does it cost? +
Will I need collateral? +
Other New York bonds.
Lost a check, certificate, or note?
Tell us what was lost and a surety specialist underwrites and quotes your indemnity bond — usually within one business day. Free until your bond is issued.