Minnesota lost instrument bonds.
Quote on review.
Lost a cashier’s check, stock certificate, or note? Get it reissued. A lost instrument bond indemnifies the issuer that replaces it. The penal sum tracks the value of the instrument — and 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 Minnesota 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 for the reissue request.
The bank, transfer agent, or maker won’t reissue the instrument until the bond is in their hands. Here is the whole process:
Send us the file
Apply online with the instrument described, its value, the issuer’s requirements, and how it was lost. The value drives the penal sum — often a multiple the issuer sets.
A surety specialist underwrites it
A specialist reviews the file, your credit and finances, and any collateral, then returns a quote. The amount follows the issuer’s requirement — underwriting decides approval and collateral.
Execute & deliver
Once you bind, we issue the executed bond on the issuer’s required form with the power of attorney attached, ready to deliver so the instrument can be reissued.
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.
What a lost instrument bond secures
When a negotiable instrument — a cashier’s check, stock certificate, bond, or promissory note — is lost, stolen, or destroyed, the issuer can reissue it, but only against a bond that protects them from the original surfacing later.
The lost instrument bond indemnifies the issuer: if the missing instrument turns up in the hands of someone entitled to enforce it, and the issuer has to honor it twice, the bond makes the issuer whole. The surety then looks to you to repay it.
Because the surety stands behind the instrument’s value, the bond is underwritten on your credit and finances, and a high-value instrument can require collateral. We tell you what a given 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 bond on the issuer’s required form with the power of attorney attached, ready to deliver so the instrument can be reissued.
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 instrument and its value, how it was lost, the issuer’s requirements, and your financials. Submit once and a surety specialist reviews everything together and returns a quote, typically within one business day. Free until your bond is issued.
Start the application →Common questions.
Other Minnesota bonds.
The same bond in nearby states.
Requirements checked on the carrier’s application, . Page updated .
Get the instrument reissued.
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.