Nebraska lost instrument bonds.
Replace it without leaving the issuer exposed.

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.

Lets the issuer reissue a lost check, note, or stock certificate safely
Indemnifies the issuer if the original is presented later (UCC § 3-309 / § 3-312)
Penal sum follows the instrument’s value — underwritten, no flat rate
Value-setpenal sumA-ratedA.M. Best carriers1 business dayspecialist reply
Trusted by industry leaders
NYCEDC
BDG
Capital
McKinney
Terra
JLL
Triple Five
Georgetown
NYCEDC
BDG
Capital
McKinney
Terra
JLL
Triple Five
Georgetown
How it works

Built to get the instrument reissued.

The bank, transfer agent, or maker usually conditions reissue on a bond. Here is how the bond side works:

TODAY · 10 MINUTES

Apply with the instrument details

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.

WITHIN 1 BUSINESS DAY

A specialist underwrites and quotes

A surety underwriter reviews the instrument, its value, and the applicant. The value sets the penal sum; underwriting sets the premium and any collateral.

ON BINDING

Execute and reissue

Sign, post any required collateral, and deliver the executed bond to the issuer so it can reissue the check, note, or certificate to you.

About this bond

What it is and who needs it.

Why the issuer wants a bond

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.

Governing LawLost negotiable instruments are governed by UCC Article 3 — § 3-309 (enforcement of a lost, destroyed, or stolen instrument) and § 3-312 (lost cashier’s, teller’s, or certified checks), adopted in Nebraska’s Uniform Commercial Code. An issuer reissuing on a lost instrument typically requires indemnity, which the bond provides.

You need this bond if you’ve

Lost a cashier’s check or teller’s or certified check the bank will only replace against a bond
Misplaced a stock or bond certificate the transfer agent needs indemnity to reissue
Lost a promissory note or other instrument the maker will only re-document with a bond
An estate or business that needs a lost instrument reissued to settle accounts

The application takes about ten minutes.

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 →
FAQs

Common questions.

If yours isn't here, the bond team can usually answer within the hour.

What is a lost instrument bond? +
A bond that lets an issuer reissue a lost cashier’s check, stock or bond certificate, or promissory note without risking paying twice. It indemnifies the issuer — if the original later surfaces and the issuer has to honor it, the surety makes the issuer whole. Lost negotiable instruments are governed by UCC § 3-309 and § 3-312.
How much is the bond? +
The penal sum follows the value of the lost instrument — often written as a closed penalty equal to that value. There is no flat rate; these bonds are underwritten. Tell us the instrument and its value and a specialist sizes and prices it.
Will I need collateral? +
Sometimes, especially on higher-value instruments. Because the surety is indemnifying the issuer against the original, underwriting may require collateral or financials. The specialist tells you what your file needs before you commit.
How long does the bond stay in force? +
It depends on the instrument and the issuer’s requirements — some run for a set term, others until the risk of the original surfacing has effectively passed. We confirm the issuer’s terms when we size the bond so there are no surprises.
How fast can I get it? +
A surety specialist typically responds within one business day of an application with the instrument details. Lower-value instruments often move quickly; higher-value ones take a little longer while any collateral is arranged.
Related bonds

Other New York bonds.

Get the instrument reissued.

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.

PricingOn review
Apply now →