Maryland lost instrument bonds.
We size, underwrite & quote it.
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.
Trusted by industry leaders
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.
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
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.
If yours isn't here, the bond team can usually answer within the hour.
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Other New York bonds.
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.