TN cemetery company bonds.
Flat 3%. Enter your amount.

A Tennessee cemetery company can post a surety bond in place of a cash deposit to its Improvement Care Trust Fund under T.C.A. § 46-1-204. The required amount is set by the population of the county where the cemetery sits — and we issue it at a flat 3% with no credit check.

Secures the Improvement Care Trust Fund the state requires under T.C.A. § 46-1-204
Amount is set by the county’s population — $40,000 up to $200,000
Flat 3%, no credit pull — enter your required bond amount and the premium updates
Flat 3%of your bond amount$275minimum premiumNo creditcheck to issue
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BDG
Capital
McKinney
Terra
JLL
Triple Five
Georgetown
How it works

Apply to filed in one sitting.

No underwriting queue for the standard cemetery bond — enter your amount, pay, and file. Here is the whole thing:

TODAY · 5 MINUTES

Apply online

Your cemetery details, the bond amount your county requires, and the effective date — that is the entire application.

INSTANTLY

Issued on the spot

No credit check and no waiting — the executed bond is generated as soon as you pay. Larger amounts may get a quick review.

SAME DAY

File with Burial Services / Cemetery Division

Submit the executed bond to satisfy your Improvement Care Trust Fund requirement. Wet-ink originals mailed whenever the state insists.

The whole pricing page.

Bond amount × 3% = your premium, one-time, $275 minimum. Enter the figure your county population requires and the premium updates.

$40,000 bond
$1,200
$100,000 bond
$3,000
$200,000 bond
$6,000
About this bond

What it is and who needs it.

What the cemetery bond actually covers

Tennessee requires a commercial cemetery company to fund an Improvement Care Trust Fund so the grounds stay maintained in perpetuity. As one accepted form of security, the company may deposit a surety bond approved by the Commissioner in place of cash, under T.C.A. § 46-1-204.

The required amount scales with the population of the county where the cemetery is located — roughly $40,000 for counties of 10,000 or fewer, rising in steps to $200,000 for counties over 100,000. Confirm the exact figure for your county before you file.

The trust is held by the fund trustee for the specific purposes named in the written care agreement. Cemetery companies are regulated by the Board of Funeral Directors & Embalmers, Burial Services/Cemetery Division within Commerce & Insurance — and we issue whatever amount applies at a flat 3% with no credit check.

T.C.A. § 46-1-204 (Improvement Care Trust Fund)Tennessee Code Annotated § 46-1-204 requires a cemetery company to maintain an Improvement Care Trust Fund and lets it deposit a surety bond approved by the Commissioner in an amount set by the population of the county where the cemetery is located — ranging from roughly $40,000 for the smallest counties to $200,000 for counties over 100,000. Confirm your county’s required amount, which is administered through the Burial Services/Cemetery Division.

You need this bond if you are

A commercial cemetery company securing your Improvement Care Trust Fund with a bond
Opening a new cemetery that must post the trust-fund security to begin selling
Replacing a cash deposit with a surety bond to free up the capital
Renewing or re-filing after a population reclassification changed your required amount

Five minutes, issued on the spot.

Submit the application with the bond amount your county requires — the executed bond is generated instantly, ready to file.

Start the application →
FAQs

Common questions.

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

How much is the Tennessee cemetery bond? +
The premium is a flat 3% of the bond amount, with a $275 minimum. The amount itself is set by your county’s population — from about $40,000 to $200,000. Enter the figure that applies and the quote updates.
How do I know my required amount? +
It is tied to the population of the county where the cemetery sits — roughly $40,000 for the smallest counties up to $200,000 for counties over 100,000. Send us your county and we’ll confirm the bracket.
Can I use a bond instead of cash? +
Yes. T.C.A. § 46-1-204 lets a cemetery company deposit a surety bond approved by the Commissioner in place of cash for the Improvement Care Trust Fund — usually far cheaper than tying up the full amount.
Is there a credit check? +
No — the cemetery bond is issued with no credit pull. Larger bond amounts may get a quick soft-pull review, which never affects your credit score.
Who regulates this? +
The Board of Funeral Directors & Embalmers, Burial Services/Cemetery Division, within the Department of Commerce & Insurance. We issue the executed bond ready to file with them.
Related bonds

Other New York bonds.

Cemetery bond, issued today.

Five-minute application, flat 3%, $275 minimum. Enter your county’s required amount and file the same day.

Your premium @ 3%$1,200
Apply now →