KS escrow account bonds.
1% rate. $100 minimum.
A Kansas title insurance agent that handles escrow, settlement, or closing accounts files a surety bond with the Commissioner of Insurance under K.S.A. 40-1139 — standardized at $100,000 for licenses on and after January 1, 2026. The bond protects anyone who loses money if escrow or trust funds are converted or misappropriated. The premium is 1% of the bond amount, $100 minimum, the bond issues the moment you pay, and any credit screen is a soft pull only — it never affects your score.
Trusted by industry leaders
Three steps. One sitting.
The escrow accounts bond is one of the simplest filings in a title agency license file. Here is the entire process:
Apply online
Business details, your bond amount, an effective date, and a term. Any credit screen is a soft pull that never shows as a hard inquiry.
Pay & e-sign
This bond is rate-priced at 1% of the bond amount ($100 minimum), so it issues the moment you pay — your executed bond and power of attorney generate on the spot.
File with the Insurance Commissioner
Your executed bond arrives by email, ready to file with the Kansas Insurance Department for your title agent license. Wet-ink original mailed on request.
What it is and who needs it.
What the bond actually guarantees
Kansas requires a title insurance agent that handles escrow, settlement, or closing accounts to file a surety bond or irrevocable letter of credit with the Commissioner of Insurance under K.S.A. 40-1139, issued by a company authorized to do business in the state. A 2025 amendment standardized the amount at $100,000 on and after January 1, 2026 — replacing the old county-population tiers of $25,000, $50,000, and $100,000.
It's a three-party arrangement: you (the principal), the surety carrier, and the state (the obligee). The bond runs to the benefit of any person suffering a loss if the title agent converts or misappropriates money received or held in escrow, deposit, or trust accounts while providing escrow or settlement services — the buyer's earnest money, the seller's payoff funds, the lender's closing proceeds.
It is not insurance for you — if the surety pays a claim, you repay the surety. Terminating the bond takes 30 days' prior written notice to the Commissioner, and the bond must stay continuously on file while you handle escrow funds; we track the term and send renewal notices 60 and 30 days out.
You need this bond if you're
One application, issued instantly.
These are the actual issuing fields — business details, your bond amount, an effective date, and a term. That is the entire application.
Start the application →Common questions.
Other Kansas bonds.
Get your escrow accounts bonded today.
1% of the bond amount, $100 minimum, issued the moment you pay. Soft pull only, free until issued.