North Carolina lost instrument bonds.
Replace the paper, protect the issuer.
Lost a cashier’s check, stock certificate, or promissory note? The issuer won’t simply reissue it.
A lost instrument bond indemnifies the issuer if the original turns up in someone else’s hands.
That’s what lets the bank or transfer agent replace it for you.
It is underwritten, not flat-rated — tell us the instrument and its value, and we quote it.
Trusted by industry leaders
Built to get the instrument reissued.
The bank or transfer agent won’t replace the paper until the bond is in hand. Here is the whole process:
Tell us the instrument
Send what was lost (cashier’s check, stock certificate, note), its face value, the issuer’s name, and any affidavit-of-loss the issuer requires. The value sets the penal sum and the quote.
A specialist underwrites & quotes
A surety specialist reviews the matter and returns a quote with any collateral requirement. Lost-instrument bonds are frequently collateralized because the original could still be presented — we tell you up front.
Execute & deliver
We issue the bond on the issuer’s required form, with the surety’s power of attorney attached, so the bank or transfer agent can reissue the replacement instrument.
What it is and who needs it.
Why the issuer needs indemnity first
When a negotiable instrument — a cashier’s check, a stock certificate, a promissory note — is lost, the issuer faces a real risk: it could reissue the instrument to you and then have the lost original show up in the hands of a good-faith holder entitled to be paid.
A lost instrument bond solves that. It indemnifies the issuer against having to pay twice, which is exactly the protection the bank or transfer agent needs before it will replace the missing paper.
It is a closed-penalty bond: the penal sum is the value of the instrument, and because the original could surface years later, sureties commonly require collateral. The legal backbone is the UCC, which North Carolina has adopted, not a North Carolina-specific statute.
You need this bond if you’re
Start with the instrument and its value.
These are the actual underwriting fields — what was lost, its value, the issuer, and your business. Submit once and a surety specialist responds in about one business day with a quote and any collateral requirement. No charge until the bond is issued.
Start the application →Common questions.
If yours isn't here, the bond team can usually answer within the hour.
What is a lost instrument bond? +
Why does the issuer require a bond? +
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Is this a North Carolina-specific bond? +
Other New York bonds.
Get the lost instrument reissued.
Send the instrument and its value. A surety specialist underwrites it and returns a quote — typically within one business day. No charge until the bond is issued.