Maryland lost instrument bonds.
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Lost a cashier’s check, stock certificate, or note and need it replaced? The issuer can require a bond that indemnifies them against the lost instrument. The penal sum tracks the value of the instrument — so we underwrite it. A surety specialist reviews your file and returns a quote, usually within one business day.
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How much does a Maryland 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 replacement issued.
The issuer usually won’t reissue the instrument until the indemnity bond is in hand, so the bond is the gating step. Here is the whole process:
Send us the file
Apply online with a description of the lost instrument — the issuer, the face value, and how it was lost, stolen, or destroyed.
A surety specialist underwrites it
A specialist reviews the instrument, your financials and credit, and any collateral, then returns a quote. The penal sum tracks the value of the instrument — underwriting decides approval and collateral.
Execute & deliver
Once you bind, we issue the executed indemnity bond on the issuer’s required form with the power of attorney attached, ready to deliver so the replacement can be issued.
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 demands a bond
When you lose a cashier’s check, stock certificate, or promissory note, the issuer can’t simply hand you a replacement — because the original could still surface in someone else’s hands and be presented for payment.
A lost instrument bond solves that. It indemnifies the issuer: if the original is later presented and the issuer has to honor it, the surety covers the loss. That protection is what lets the bank, transfer agent, or maker issue the replacement.
Because the surety stands behind the face value, the bond is underwritten on your credit and finances, and a large penal sum can require collateral. Bonds for securities are often written open-penalty — running to a multiple of the value — while a lost check is usually closed-penalty. We tell you which your file needs before you commit.
You need this bond if you’re
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. Once you bind, we issue the executed indemnity bond on the issuer’s required form with the power of attorney attached, ready to deliver so the replacement can be issued.
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.
The application takes about ten minutes.
These are the actual underwriting fields — the lost instrument and its value, your finances, and your credit. Submit once and a surety specialist returns a quote, typically within one business day. Free until your bond is issued.
Start the application →Common questions.
Other Maryland bonds.
The same bond in nearby states.
Requirements checked on the carrier’s application, . Page updated .
Replace your lost instrument.
Send us the instrument and its value and a surety specialist sizes, underwrites, and quotes the bond — typically within one business day. Free until your bond is issued.