Lost instrument bonds.
Replace the lost item; protect the issuer.
Lost a cashier’s check, a stock certificate, or a promissory note? The issuer won’t replace it without protection.
A lost instrument bond indemnifies the issuer if the original surfaces and someone tries to collect on it.
The amount tracks the instrument’s value, so the bond is underwritten, not flat-rated.
Tell us the instrument and its value and a specialist quotes it, usually within one business day.
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From lost item to replacement.
The bank, transfer agent, or issuer holds the replacement until the bond is in place. Here is the whole path:
Tell us about the instrument
What was lost (cashier’s check, stock certificate, note), its value, the issuer, and how it was lost. That is the whole application.
A specialist underwrites it
A specialist reviews the instrument and the issuer’s requirement. Higher-value instruments commonly involve collateral; we tell you what up front.
Quote, e-sign & deliver
You receive a firm quote and the executed bond on the issuer’s required form so they can release the replacement instrument.
What it is and who needs it.
Why the issuer needs to be indemnified
When you lose a negotiable instrument — a cashier’s check, a stock certificate, a promissory note — the problem isn’t just that it’s gone. It’s that it might surface in someone else’s hands. The issuer faces the risk of having to pay twice: once to replace it for you, and again if a holder presents the original.
A lost instrument bond shifts that risk. It indemnifies the issuer — the bank, transfer agent, or maker — so they can safely issue a replacement. If the original later turns up and a valid claim is made, the bond, not the issuer, answers for it.
These are closed-penalty bonds: the penal sum is fixed to the instrument’s value, often at double it. Because the amount tracks the instrument, the bond is individually underwritten, and higher-value instruments commonly require collateral.
You need this bond if you’ve
Tell us the instrument and its value.
What was lost, its value, the issuer, and how it was lost. A specialist underwrites it and returns a quote — usually within one business day. Higher-value instruments may add a collateral conversation, which we flag up front.
Start the application →Common questions.
If yours isn't here, the bond team can usually answer within the hour.
What is a lost instrument bond? +
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Other New York bonds.
Need to replace a lost check, note, or certificate?
Send us the instrument, its value, and the issuer. A specialist underwrites it and returns a quote — usually within one business day.