Ohio lost instrument bonds.
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Lost a cashier’s check, stock certificate, or note — and the issuer won’t replace it without security? A lost instrument bond indemnifies the issuer if the original ever resurfaces. The instrument’s face value sets the penal sum — and we underwrite it. A surety specialist reviews your file and returns a quote, usually within one business day.
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How much does an Ohio 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.
Built to get the replacement issued.
The bank or transfer agent won’t reissue until your indemnity is in place, so the replacement waits on the bond. Here is the whole process:
Send us the file
Apply online with the type of instrument, its face value, the issuer, and the circumstances of the loss. The face value sets the penal sum, so we can size the bond right away.
A surety specialist underwrites it
A specialist reviews your credit, the amount, and any collateral, then returns a quote. A large instrument is often collateralized, since the surety stands behind the full face value.
Execute & deliver
Once you bind, we issue the executed bond for the issuer — the bank, transfer agent, or company — so it can reissue the cashier’s check, stock certificate, or note.
How a lost instrument bond works, and what to have ready.
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.
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.
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
What it is and who needs it.
Why the issuer needs indemnity
When a negotiable instrument — a cashier’s check, stock certificate, or promissory note — is lost, stolen, or destroyed, the issuer faces a problem: if it reissues and the original later turns up in good hands, it could have to honor both.
A lost instrument bond solves that. It indemnifies the issuer against any loss from the reissuance, so the bank, transfer agent, or company can replace your instrument without taking on that double-payment risk.
Under UCC Article 3, the issuer is entitled to adequate security before reissuing. The penal sum equals the instrument’s face value — a closed penalty — and a large amount is often collateralized. We tell you what your file needs before you commit.
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
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. Once you bind, we issue the executed bond for the issuer — the bank, transfer agent, or company — so it can reissue the cashier’s check, stock certificate, or note.
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.
The application takes about ten minutes.
These are the actual underwriting fields — the instrument, its face value, the issuer, and your financials. Submit once and a surety specialist reviews everything together and returns a quote, typically within one business day. Free until your bond is issued.
Start the application →Common questions.
Other Ohio bonds.
The same bond in nearby states.
Requirements checked on the carrier’s application, . Page updated .
Get the instrument reissued.
Send us the instrument and its face value, and a surety specialist underwrites and quotes the bond — typically within one business day. Free until your bond is issued.