TN special needs trust bonds.
Flat 3%. Enter your amount.

When a Tennessee court appoints you to manage a special needs trust and requires a bond, it guarantees you will handle the beneficiary’s money honestly. The court sets the amount — usually tied to the trust assets — and we issue it at a flat 3% with one soft credit pull.

Required when a court orders a trustee bond under the Uniform Trust Code (T.C.A. 35-15-702)
Amount is set by the court — generally based on the value of the trust assets
Soft credit pull only — never affects your score, and the rate stays a flat 3%
Flat 3%of your bond amount$275minimum premiumSoft pullnever affects your score
Trusted by industry leaders
NYCEDC
BDG
Capital
McKinney
Terra
JLL
Triple Five
Georgetown
NYCEDC
BDG
Capital
McKinney
Terra
JLL
Triple Five
Georgetown
How it works

Apply to filed in one sitting.

Most fiduciary bonds clear quickly — enter your amount, consent to a soft pull, and file the executed bond with the court. Here is the whole thing:

TODAY · 5 MINUTES

Apply online

Your details, the trust, and the bond amount the court ordered — plus a one-time consent to a soft credit pull. That is the application.

WITHIN 48 HOURS

Reviewed & approved

Most fiduciary bonds clear quickly; if underwriting needs anything, you hear from an underwriter within 48 hours. The soft pull never affects your score.

1–2 BUSINESS DAYS

File with the court

Receive the executed bond ready to file with the clerk so your appointment as trustee can be finalized. Wet-ink originals mailed on request.

The whole pricing page.

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

$25,000 bond
$750
$50,000 bond
$1,500
$100,000 bond
$3,000
About this bond

What it is and who needs it.

What the trust bond actually guarantees

A special needs trust holds assets for someone with a disability without disqualifying them from needs-based benefits. When a Tennessee court appoints a trustee to manage one, it may require a fiduciary surety bond to protect the beneficiary against loss from the trustee’s mismanagement or misappropriation.

Under the Tennessee Uniform Trust Code, a trustee gives bond only if the court finds a bond is needed to protect the beneficiaries or the terms of the trust require it. The court sets the amount when it enters the order — generally based on the value of the trust assets the trustee will control.

The bond protects the beneficiary, not the trustee. If a trustee breaches their fiduciary duty and the beneficiary is harmed, a claim can be made against the bond — and if the surety pays, the trustee repays the surety. Enter the court-ordered amount and we issue it at a flat 3%.

T.C.A. § 35-15-702 (Uniform Trust Code)Under Tennessee’s Uniform Trust Code, T.C.A. § 35-15-702, a trustee gives bond to secure performance of the trustee’s duties only if the court finds a bond is needed to protect the beneficiaries’ interests or the terms of the trust require it and the court has not waived it. The court sets the amount, generally based on the value of the trust assets. Confirm the amount on your court order.

You need this bond if you are

A trustee of a special needs trust the court ordered to post a bond
A family member or professional fiduciary appointed to manage trust assets
Replacing a prior trustee on a trust where the bond requirement carries over
Funding a settlement or inheritance into a trust the court wants bonded

Five minutes, then filed.

Submit the application with the court-ordered bond amount and a one-time soft-pull consent — the executed bond is typically issued within 1–2 business days, ready to file with the court.

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 special needs trust bond? +
The premium is a flat 3% of the bond amount, with a $275 minimum. The amount itself is set by the court — generally tied to the value of the trust assets. Enter the figure on your order and the quote updates.
Who sets the bond amount? +
The court does, in the order appointing you as trustee. Under T.C.A. § 35-15-702 a bond is required only if the court finds it necessary to protect the beneficiaries or the trust terms require it — and the court names the amount.
Is there a credit check? +
Yes — one soft credit pull, which never affects your score. Fiduciary bonds are underwritten because the trustee handles other people’s money, but the rate stays a flat 3% regardless. Credit can affect approval, never price.
What does the bond protect? +
The beneficiary of the trust. If a trustee mismanages or misappropriates trust assets and the beneficiary is harmed, a claim can be made against the bond. If the surety pays, the trustee repays the surety — it is not insurance for the trustee.
What amount should I enter? +
Use the figure in your court order. If it isn’t finalized yet, send us the order or the trust value and we’ll confirm the amount and issue the bond.
Related bonds

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Trust bond, filed this week.

Five-minute application, flat 3%, $275 minimum, soft pull only. Enter the court-ordered amount and file the executed bond.

Your premium @ 3%$1,500
Apply now →