Nevada lost instrument bonds.
Replace what went missing.

Lost a cashier’s check, a promissory note, or a stock certificate? The issuer won’t reissue it without protection.
This bond indemnifies the issuer if the original ever resurfaces and is paid again.
It’s a closed-penalty bond — the amount is the face value of the lost instrument.
We size it to the instrument, underwrite it, and a specialist returns a quote.

Lets an issuer replace a lost cashier’s check, note, or stock certificate safely
Indemnifies the issuer under UCC Article 3 (NRS 104.3309 / 104.3312) if the original is paid again
Closed-penalty bond — amount is the instrument’s face value; underwritten, not flat-rated
Underwrittensized to the instrumentA-ratedA.M. Best carriers1 business daytypical specialist 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

From a lost instrument to a reissued one.

The issuer reissues once your bond is in place. Here’s the path:

TODAY · 5 MINUTES

Tell us the instrument

Send the type and face value of what was lost — cashier’s check, note, or stock certificate — and the issuer’s requirements.

WITHIN 1 BUSINESS DAY

A surety specialist underwrites it

We review the amount and your details and return a real quote. Higher face values may call for collateral; we’ll tell you.

ON APPROVAL

Execute & deliver

We issue the bond on the issuer’s required form with the carrier’s power of attorney, so the instrument can be reissued.

About this bond

What it is and who needs it.

Why the issuer needs indemnity

When a negotiable instrument goes missing — a cashier’s check, a promissory note, a stock or bond certificate — the issuer faces a real risk in replacing it: the original could resurface in someone else’s hands and be presented for payment.

A lost instrument bond shifts that risk. It indemnifies the issuer: if the original is ever paid to a legitimate holder after a replacement is issued, the bond makes the issuer whole. That’s what lets the bank or transfer agent reissue.

It’s a closed-penalty bond — the amount is the instrument’s face value, not an open-ended figure. Because it backs a known dollar amount, it’s underwritten, not flat-rated; higher-value instruments may call for collateral.

Governing lawUnder UCC Article 3 — adopted in Nevada at NRS 104.3309 (enforcement of a lost, destroyed or stolen instrument) and NRS 104.3312 (lost, destroyed or stolen cashier’s, teller’s or certified checks) — an issuer or obligor reissuing or paying a replacement may require adequate protection against loss, which this bond provides as indemnity to the issuer.

You need this bond if you’re

The payee of a lost cashier’s or certified check the bank won’t reissue without indemnity
A shareholder who lost a stock or bond certificate and needs the transfer agent to replace it
A holder of a lost promissory note seeking enforcement or a replacement
An estate or trustee replacing a missing instrument among the assets

Start with the instrument.

These are the actual underwriting fields. Tell us the type and face value of what was lost, and a surety specialist returns a quote, typically within one business day.

Start the application →
FAQs

Common questions.

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

How much does a Nevada lost instrument bond cost? +
It’s underwritten, not flat-rated. The penalty is the face value of the lost instrument, and the surety prices a premium against that amount and your details. Higher face values may require collateral. Send us the instrument type and amount and a specialist returns a quote, usually within one business day.
What is the bond amount? +
The face value of the lost instrument — it’s a closed-penalty bond. A lost $40,000 cashier’s check is bonded at $40,000; the surety’s maximum exposure is capped at that figure.
What does the bond protect? +
The issuer — the bank, transfer agent, or obligor that reissues. If the original instrument later surfaces and is paid to a legitimate holder, the bond indemnifies the issuer so it isn’t out the money twice. Under NRS 104.3309 and 104.3312 the issuer can require this protection before replacing.
Will I need collateral? +
Sometimes, on higher-value instruments. Because the bond backs a known dollar amount with real recovery risk, a surety may ask for collateral or additional indemnity. We tell you what the carrier needs before you commit.
How fast can I get it? +
Once we have the instrument type and face value, a specialist underwrites and quotes within one business day in most cases, with issuance promptly on approval so the issuer can reissue.
Related bonds

Other New York bonds.

Replace the lost instrument.

Send us the type and face value; a specialist underwrites and quotes — typically within one business day. Collateral may apply on higher-value instruments.

PricingOn review
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