Louisiana lost instrument bonds.
Replace it without the risk.
Lost a cashier's check, a promissory note, or a stock or bond certificate? The issuer usually requires a bond before it will reissue or pay. The bond indemnifies the issuer if the original ever surfaces — a closed-penalty amount, underwritten not flat-rated. Apply online and a surety specialist returns a quote, usually within one business day.
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How much does a Louisiana lost instrument bond cost?
It is underwritten. The carrier’s base rate is 2% of the bond amount; the underwriter sets your premium from the amount, your credit and any collateral.
Built to get the instrument reissued.
The issuer won't reissue until the bond is in place. Here's the entire process — no broker phone tag:
Tell us the instrument
Send what was lost (cashier's check, stock certificate, note), its face value, the issuer's name, and any affidavit-of-loss the issuer requires. The value sets the penal sum and the quote.
A specialist underwrites it
Lost instrument bonds are individually underwritten. A surety specialist reviews the instrument, its value, and the file, runs a soft credit check, and returns a quote — usually within one business day. Larger penal sums may call for financials or collateral.
Execute & deliver
Approve the quote, post any collateral required, and we issue the executed bond on the issuer's required form with the power of attorney attached, so the bank or transfer agent can reissue the instrument.
How a lost instrument bond works, and what to have ready.
Why it is required
A stock certificate, cashier's check or other financial instrument was lost, stolen or destroyed, and the issuer will replace it only if you post a bond.
Who it protects
The issuer or transfer agent. If the original turns up and someone cashes or transfers it, they recover their loss from the bond.
If there is a claim
The surety pays a valid claim and you repay the surety.
Have these ready
- The issuer's or transfer agent's letter asking for the bond, with the amount
- Details of the lost instrument: its number, issuer, date and value
- Your affidavit of loss, if the issuer asks for one
- Proof that you own the instrument
What it is and who needs it.
Why the issuer wants a bond
When a negotiable instrument — a cashier's check, promissory note, or stock or bond certificate — is lost, destroyed, or stolen, the issuer can be asked to replace it. But the original could still be out there.
If the issuer reissues and the lost original later turns up in the hands of a holder entitled to enforce it, the issuer could have to pay twice. The lost instrument bond shifts that risk: it indemnifies the issuer against having to honor the original.
This isn't unique to Louisiana — it tracks Uniform Commercial Code Article 3, which lets a person who lost an instrument enforce it on adequate protection to the obligor against a double-payment claim. The bond is that protection. The penalty is set to the instrument’s value, and issuers commonly require a closed penalty at double the face.
You need this bond if you
Claims, renewal, filing, and what sets the price.
If a claim is made
A claim comes from the party the bond protects, the obligee named on the form, when the duty the bond guarantees is not met.
The surety investigates and pays a valid claim, up to the bond amount. You then repay the surety: a surety bond is a guarantee of your performance, not insurance for you.
Renewal and term
Term and renewal are set in the underwriter's quote.
Keep the bond in force for as long as the obligation behind it runs.
How to file it
Execute & deliver. Approve the quote, post any collateral required, and we issue the executed bond on the issuer's required form with the power of attorney attached, so the bank or transfer agent can reissue the instrument.
What sets the price
This bond is underwritten. The carrier's base rate for this bond is 2% of the bond amount; the underwriter sets your final premium from the amount, your credit and any collateral.
You pay nothing until you approve the price.
Tell us the type of instrument, its face value, the issuer, and the circumstances of the loss. A specialist underwrites it and returns a quote — usually within one business day. Free until your bond is issued.
Start the application →Common questions.
Other Louisiana bonds.
The same bond in nearby states.
Requirements checked on the carrier’s application, . Page updated .
Get the instrument reissued.
Underwritten by a specialist, quote usually within one business day. Free until your bond is issued.