MO reinsurance financial responsibility bonds.
From $100. Enter your amount.
Under Missouri’s Reinsurance Intermediary Act, the director of the Department of Commerce and Insurance can require a reinsurance intermediary-manager to file a financial-responsibility bond — in an amount the director finds acceptable, for the protection of each reinsurer the manager represents (RSMo 375.1115). The premium is 1% of the bond amount, $100 minimum, and your exact price appears at the application. Any credit screen is a soft pull only — it never affects your score.
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Apply to filed in one sitting.
No quote queue — enter the amount the director set, pay, and file. Here is the whole thing:
Apply online
Business details, the bond amount the director required, and an effective date. That is the entire application — any credit screen is a soft pull that never shows as a hard inquiry.
Pay & e-sign
Pricing is 1% of the bond amount with a $100 minimum, computed before you pay — the bond issues the moment you pay, with the executed bond and power of attorney generated on the spot.
File with the department
Your executed bond arrives by email, ready to file with the Missouri Department of Commerce and Insurance to satisfy the financial-responsibility requirement. Wet-ink original mailed on request.
What it is and who needs it.
What the bond actually guarantees
Missouri’s Reinsurance Intermediary Act (sections 375.1110–375.1140 RSMo) licenses the brokers and managers who place and manage reinsurance for Missouri insurers. For a reinsurance intermediary-manager — a firm with binding authority or claims-settlement authority for a reinsurer — the director of the Department of Commerce and Insurance may require added financial responsibility.
RSMo 375.1115 lets the director require the manager to file a bond, in an amount and from an insurer acceptable to the director, for the protection of each reinsurer represented — alongside errors-and-omissions coverage the director can also require. The amount is set case by case, which is why this page takes the amount from your department correspondence.
It is not insurance for you — if the surety pays a claim, you repay the surety. The bond stays on file while the requirement stands; we track the term and send renewal notices 60 and 30 days out.
You need this bond if you're
One application, issued instantly.
These are the actual issuing fields — business details, your bond amount, and an effective date. That is the entire application.
Start the application →Common questions.
Other Missouri bonds.
Reinsurance bond, issued today.
1% of the bond amount, $100 minimum, issued the moment you pay. Free until issued.