Lost a cashier’s check, stock certificate, or promissory note? The issuer will reissue — but it wants protection first.
A lost instrument bond indemnifies the issuer if the original surfaces and someone tries to collect on it.
The penal sum follows the value of the instrument — underwritten, often a closed penalty.
Tell us the instrument and its value, and a specialist returns a quote, usually within one business day.
















The bank, transfer agent, or maker usually conditions reissue on a bond. Here is how the bond side works:
Tell us what was lost — the issuer, the type of instrument, and its face value. That value drives the penal sum, often a closed penalty.
A surety underwriter reviews the instrument, its value, and the applicant. The value sets the penal sum; underwriting sets the premium and any collateral.
Sign, post any required collateral, and deliver the executed bond to the issuer so it can reissue the check, note, or certificate to you.
When a negotiable instrument — a cashier’s check, a stock or bond certificate, a promissory note — is lost, destroyed, or stolen, the issuer faces a problem: if it simply reissues, it could end up paying twice if the original later surfaces in the hands of a holder.
A lost instrument bond solves that. It indemnifies the issuer — the bank, transfer agent, or maker — so that if the original is presented and the issuer has to honor it, the surety makes the issuer whole. That assurance is what lets the issuer reissue to you.
The penal sum follows the value of the instrument, often as a closed penalty, so the amount is not a flat figure. These bonds are underwritten and may be collateralized on higher values — not instant. We size to the instrument, underwrite the applicant, and quote it.
These are the actual underwriting fields — the instrument, its value, the issuer, and your details. Submit once; a surety specialist responds, usually within one business day. Free until your bond is issued.
Start the application →If yours isn't here, the bond team can usually answer within the hour.
Tell us the instrument and its value and a surety specialist sizes, underwrites, and quotes the lost instrument bond — usually within one business day. Free until your bond is issued.