Missouri reinsurance financial responsibility bonds.
From $100.
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 (RSMo 375.1115). The premium is 1% of the bond amount, $100 minimum.
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How much does a Missouri reinsurance financial responsibility bond cost?
1% of the bond amount, from $100. Enter your amount in the calculator for the exact price.
Three steps. 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 application. No credit check up to $100,000 for individuals and LLCs (above that, a soft pull at most); for partnerships and corporations, one soft pull at every amount, never 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
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
The premium covers a one-year term from the effective date you choose.
Renew before the expiry date to keep the bond in force: the license, permit or contract it backs expects continuous coverage.
How to file it
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 sets the price
The premium is 1% of the bond amount, $100 minimum: the amount the obligee sets moves the price, not your business profile.
No credit check up to $100,000 for individuals and LLCs (above that, a soft pull at most); for partnerships and corporations, one soft pull at every amount, never a hard inquiry.
Where a check runs, it decides approval; the rate is the same for everyone approved.
One application, issued instantly.
These are the actual issuing fields — business details, your bond amount, and an effective date. That is the application.
Start the application →Common questions.
Other Missouri bonds.
Price and requirements checked on the carrier’s application, . Page updated .
Reinsurance bond, issued today.
1% of the bond amount, $100 minimum, issued the moment you pay. Free until issued.