North Carolina investment adviser bonds.
From $525.
North Carolina's Securities Division requires an investment adviser with custody of, or discretionary authority over, client funds or securities to be bonded for not less than $35,000 under 18 NCAC 06A .1705, unless it meets the minimum net worth in Rule .1704 instead. The premium is 1.5% of the bond amount.
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How much does a North Carolina investment adviser bond cost?
1.5% of the bond amount, from $525 at the $35,000 minimum. Enter your amount in the calculator for the exact price.
Three steps. One sitting.
Pricing on this bond is amount-based, not underwriting-based, so there is no quote round-trip. Here is the whole thing:
Apply online
Your firm details, the bond amount, an effective date, and a term. No credit check up to $25,000 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
The premium is 1.5% of the bond amount — a rate, not an underwriting decision — so the bond issues the moment you pay, power of attorney attached.
Send the original to the Securities Division
The Division wants the original bond on the form it publishes. Your e-signed copy arrives by email and the wet-ink original is mailed on request.
What it is and who needs it.
What the adviser bond covers
North Carolina's Investment Advisers Act is Chapter 78C of the General Statutes, administered by the Secretary of State's Securities Division. Under the Division's rule 18 NCAC 06A .1705, every investment adviser having custody of or discretionary authority over client funds or securities must be bonded in an amount of not less than $35,000 by a bonding company qualified to do business in this State — or may instead deposit cash or securities in that amount.
The bond is not the only path. Rule .1704 sets minimum net worth requirements — $35,000 for an adviser with custody, $10,000 for one with discretionary authority but no custody — and .1705 does not apply to an applicant or registrant that complies with .1704. There is also relief for advisers whose principal place of business is outside North Carolina and who are registered and bonded to their home state's satisfaction.
It is not insurance for you — the bond answers to clients and the State for violations of Chapter 78C and the Secretary's rules, and if the surety pays a claim, you repay the surety. The registration has to stay bonded for as long as you hold custody or discretion, so 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
Pay & e-sign. The premium is 1.5% of the bond amount — a rate, not an underwriting decision — so the bond issues the moment you pay, power of attorney attached.
What sets the price
The premium is 1.5% of the bond amount, $100 minimum: the amount the obligee sets moves the price, not your business profile.
No credit check up to $25,000 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 — your firm details, the bond amount, an effective date, and a term. That is the application.
Start the application →Common questions.
Other North Carolina bonds.
Price and requirements checked on the carrier’s application, . Page updated .
Get your adviser bond on file.
1.5% of the bond amount, issued the moment you pay. Free until issued.