South Carolina probate & fiduciary bonds.
We size, underwrite & quote it.

Before the probate court issues letters, many fiduciaries have to file a bond.
It guarantees you’ll administer the estate faithfully, according to law.
The court sets the amount to the size of the estate — and we underwrite it.
A surety specialist reviews your file and returns a quote, usually within one business day.

Required of personal representatives, conservators, and guardians under SC Code §§ 62-3-603 / 62-5-410 unless waived
Amount is set by the court to the personal estate plus estimated income (SC Code § 62-3-604)
Underwritten on personal credit and financials; collateral may apply to a large estate
Underwrittencourt sets the amountA-ratedA.M. Best carriers1 business daytypical specialist reply
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NYCEDC
BDG
Capital
McKinney
Terra
JLL
Triple Five
Georgetown
How it works

Built for the grant of letters.

In South Carolina the probate court won’t issue letters until any required bond is filed and approved, so the bond is usually the last step before you can act. Here is the whole process:

TODAY · 10 MINUTES

Send us the file

Apply online with the petition or order setting the bond, the estate’s value, and the fiduciary’s details. The value of the personal estate plus estimated income drives the penal sum.

WITHIN 1 BUSINESS DAY

A surety specialist underwrites it

A specialist reviews the file, a personal credit check, and any financials, then returns a quote. The amount is set by the court — underwriting decides approval and any collateral on a large estate.

ON APPROVAL

Execute & file

Once you bind, we issue the executed bond on the court’s required form, conditioned on faithful performance of duties, ready for the court to approve so letters can issue.

About this bond

What it is and who needs it.

What a fiduciary bond protects

When the South Carolina probate court appoints you to handle someone else’s money — as the personal representative of an estate, or a conservator or guardian for a minor or incapacitated person — it often requires a bond before issuing letters.

The fiduciary bond guarantees that you perform all your duties according to law: that you inventory the assets, account honestly, obey the court’s orders, and don’t misuse the estate. If you breach those duties, the bond makes the estate or protected person whole — and the surety looks to you to repay it.

Because the surety stands behind the estate, the bond is underwritten on your personal credit and finances, and a large estate can require collateral. We tell you what your file needs before you commit.

South Carolina StatuteSC Code § 62-3-603 provides that no bond is required of a personal representative without a court order in the cases listed (including where the will waives it or the PR is the sole heir or devisee), and otherwise the bond may be waived as provided. SC Code § 62-3-604 sets the bond amount, unless otherwise directed, at the value of the personal property of the estate plus the estimated income for the next year, less property deposited under court-controlled arrangements; the court may excuse, reduce, or increase the bond. Conservators and guardians give bond under SC Code § 62-5-410.

You need this bond if you’re

A personal representative appointed to administer a South Carolina estate
A conservator of the estate of a minor or incapacitated person under Article 5
A guardian the probate court requires to give bond to protect the ward’s property
Counsel or a family member arranging the bond so the court can issue letters and you can begin administering

The application takes about ten minutes.

These are the actual underwriting fields — the estate, the bond amount the court set, the fiduciary, and your finances. Submit once and a surety specialist returns a quote, typically within one business day. Free until your bond is issued.

Start the application →
FAQs

Common questions.

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

What is a South Carolina probate or fiduciary bond? +
It is the bond the probate court requires before issuing letters to a fiduciary — a personal representative, conservator, or guardian. Under SC Code § 62-3-604 (and § 62-5-410 for conservators and guardians) it is conditioned on faithful discharge of the fiduciary’s duties and obedience to the court’s orders, protecting the estate or protected person from mismanagement or fraud.
How much does it cost? +
It is underwritten, not flat-rated. The court sets the penal sum to the size of the estate under SC Code § 62-3-604 — the value of the personal property plus the estimated income for the next year. A surety specialist then reviews the fiduciary’s personal credit and finances and returns a premium quote, usually within one business day.
Who decides the bond amount? +
The probate court does. Under SC Code § 62-3-604 it bases the amount on the value of the estate’s personal property and the estimated income for the next year, less certain court-controlled property, and may excuse, reduce, or increase it. We size and underwrite the bond to whatever amount the court sets.
Can the bond be waived? +
Sometimes. Under SC Code § 62-3-603 no bond is required without a court order where, for example, the will waives it or the personal representative is the sole heir or devisee, and a bond otherwise required may be waived as the statute provides. Where it isn’t waived, the fiduciary must file a bond before letters issue.
How fast can the bond be issued? +
A specialist typically returns a quote within one business day of a complete application. Once you bind and any collateral is in place, the executed bond issues on the court’s form, conditioned on faithful performance, ready for the court to approve so letters can issue.
Related bonds

Other New York bonds.

Get bonded so the court can issue letters.

Send us the estate details and the amount the court set, and a surety specialist sizes, underwrites, and quotes the bond — typically within one business day. Free until your bond is issued.

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