Not in Nevada? Lost instrument bonds in other states

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.

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Lets an issuer replace a lost cashier’s check, note, or stock certificate safely
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Indemnifies the issuer under UCC Article 3 (NRS 104.3309 / 104.3312) if the original is paid again
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Closed-penalty bond — amount is the instrument’s face value; underwritten, not flat-rated
Underwrittensized to the instrumentA-ratedA.M. Best carriers1 daytypical specialist reply
Trusted by industry leaders
New York City Economic Development Corporation (NYCEDC)
Blumenfeld Development Group (BDG)
Capital Development Partners
McKinney Properties
Terra Capital
JLL (Jones Lang LaSalle)
Triple Five Group
The Georgetown Company
New York City Economic Development Corporation (NYCEDC)
Blumenfeld Development Group (BDG)
Capital Development Partners
McKinney Properties
Terra Capital
JLL (Jones Lang LaSalle)
Triple Five Group
The Georgetown Company
Price

How much does a Nevada lost instrument bond cost?

It is underwritten. The carrier’s base rate is 2% of the bond amount; the underwriter sets your premium from the amount, your credit and any collateral.

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 · ONLINE

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.

In plain English

How a lost instrument bond works, and what to have ready.

  1. Why it is required

    A stock certificate, cashier's check or other financial instrument was lost, stolen or destroyed, and the issuer will replace it only if you post a bond.

  2. Who it protects

    The issuer or transfer agent. If the original turns up and someone cashes or transfers it, they recover their loss from the bond.

  3. If there is a claim

    The surety pays a valid claim and you repay the surety.

Have these ready

  • The issuer's or transfer agent's letter asking for the bond, with the amount
  • Details of the lost instrument: its number, issuer, date and value
  • Your affidavit of loss, if the issuer asks for one
  • Proof that you own the instrument
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

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

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

Term and renewal are set in the underwriter's quote.

Keep the bond in force for as long as the obligation behind it runs.

How to file it

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.

What sets the price

This bond is underwritten. The carrier's base rate for this bond is 2% of the bond amount; the underwriter sets your final premium from the amount, your credit and any collateral.

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 →
FAQ

Common questions.

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.
Which A-rated carriers underwrite these bonds?Typically Arch Insurance Company (A.M. Best A+) or Nationwide Mutual Insurance Company (A.M. Best A). Which one writes your bond depends on the bond type and your state. The carrier's name and official signature are printed on the bond you receive.
How do I contact Light RFP about this bond?Email insurance@lightrfp.com. It reaches the bond team at Light RFP Risk Management Services LLC (NY DFS License # PC-1978982). Write to us about quotes, applications, bond forms or certificates. We will respond within 24 hours.
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Nearby states

The same bond in nearby states.

Requirements checked on the carrier’s application, . Page updated .

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.

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