Tennessee title insurance producer bonds.
$250 flat.
Tennessee requires every licensed title insurance agent to file a $25,000 bond with the Department of Commerce & Insurance within 30 days of licensure. Ours is $250 flat — the price you see is the checkout price, the same for every agent. A quick soft credit check may apply; the bond is issued when you pay.
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How much does a Tennessee title insurance producer bond cost?
$250 at the $25,000 amount, the same for every applicant.
Three steps to filed.
Your title license needs this bond on file within 30 days. Here's the entire process:
Apply once, online
Business details, owner information, effective date. That is the application — the only extra step is a one-time consent to a possible soft credit check.
Approved
Most are approved as soon as you apply. Any credit check that runs is a soft pull that never affects your score. If it needs a second look, one to two business days at most.
E-sign & file with Commerce & Insurance
Pay online and receive the executed bond, ready to file with the Department of Commerce & Insurance. Wet-ink originals mailed whenever the state insists.
What it is and who needs it.
What the bond actually guarantees
Tennessee licenses title insurance agents through the Department of Commerce & Insurance and conditions the license on a $25,000 bond. The bond is a consumer-protection guarantee: it stands behind your honest handling of the closing funds and title work you touch in a real estate transaction.
It is a three-party arrangement: you (the principal), the surety carrier, and the State of Tennessee (the obligee), with harmed parties protected. The bond is payable for the benefit of anyone who suffers a pecuniary loss caused by your fraud, dishonesty, theft, embezzlement, or willful misconduct in a title transaction.
The bond must stay active for the life of your license. Title agents may instead deposit $25,000 in cash or securities, but a surety bond is almost always cheaper — you pay the $250 premium rather than locking up the full amount. We track the filing and notify you 60 and 30 days out.
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 $25,000 bond amount. You then repay the surety: a surety bond is a guarantee of your performance, not insurance for you.
Renewal and term
The premium covers a one-year term from the effective date you choose; a longer term is the same price per year, chosen at checkout.
Renew before the expiry date to keep the bond in force: the license, permit or contract it backs expects continuous coverage.
How to file it
E-sign & file with Commerce & Insurance. Pay online and receive the executed bond, ready to file with the Department of Commerce & Insurance. Wet-ink originals mailed whenever the state insists.
What sets the price
The premium is fixed at $250 at the $25,000 amount for every applicant: the carrier’s rate book prices this bond by the form, not by your credit or your business profile.
One soft credit pull, never a hard inquiry, and it never affects your score.
Where a check runs, it decides approval; the rate is the same for everyone approved.
One application, issued instantly.
These are the actual underwriting fields, including a one-time consent to a possible soft credit check. Submit once and your bond is issued when you pay.
Start the application →Common questions.
Other Tennessee bonds.
Been told you need a different amount?
Price and requirements checked on the carrier’s application, . Page updated .
Commerce & Insurance is waiting on one document.
$250 flat, short application, bond issued when you pay. Free until issued.