South Dakota lost instrument bonds.
We size, underwrite & quote it.
Replace a lost or destroyed cashier’s check, stock certificate, or note.
The bond indemnifies the issuer if the original instrument later turns up in someone’s hands.
The instrument’s value sets the penal sum — and we underwrite it.
A surety specialist reviews your file and returns a quote, usually within one business day.
Trusted by industry leaders
Built to replace the instrument.
To reissue a lost check, certificate, or note, the issuer typically asks for a bond indemnifying it against the original turning up. Here is the whole process:
Send us the file
Apply online with a description of the instrument, its value, the issuer, and the affidavit of loss. We size the bond to the face value of the instrument the issuer requires you to cover.
A surety specialist underwrites it
A specialist reviews the instrument, your financials, and any collateral, then returns a quote. A high-value instrument bond is typically collateralized — cash, a letter of credit, or pledged assets.
Execute & deliver
Once you bind, we issue the executed bond on the issuer’s required form with the power of attorney attached, ready to deliver so the instrument can be reissued.
What it is and who needs it.
What a lost instrument bond actually does
When a cashier’s check, stock certificate, or promissory note is lost, stolen, or destroyed, the issuer will usually reissue it — but only if it is protected against the original showing up later in someone’s hands. A lost instrument bond is that protection.
The bond indemnifies the issuer (a bank, transfer agent, or maker) against having to pay twice. If a holder later presents the original and the issuer must honor it, the surety reimburses the issuer up to the penal sum.
Because the surety stands behind that risk, a high-value bond is usually collateralized and supported by financials, and an open-penalty form may be required by the issuer. We tell you what a given instrument needs before you commit.
You need this bond if you’re
The application takes about ten minutes.
These are the actual underwriting fields — the instrument and its value, the issuer, your business, 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.
If yours isn't here, the bond team can usually answer within the hour.
What is a South Dakota lost instrument bond? +
How much does it cost? +
Why does the issuer require a bond? +
Will I need to post collateral? +
How fast can the bond be issued? +
Other New York bonds.
Replace the lost instrument.
Send us the instrument and its value and a surety specialist sizes, underwrites, and quotes the bond — typically within one business day. Free until your bond is issued.