Lost instrument bonds.
Replace the lost item; protect the issuer.
The issuer of a lost cashier’s check, stock certificate, or promissory note won’t replace it without a lost instrument bond, which indemnifies the issuer if the original surfaces. The amount tracks the instrument’s value, so the bond is underwritten, not flat-rated. A specialist quotes it, usually within one business day.
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How much does a 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.
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.
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 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
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
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 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.
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.
Other Missouri bonds.
The same bond in nearby states.
Requirements checked on the carrier’s application, . Page updated .
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.