TN title insurance producer bonds.
$250 flat. Instant issuance.

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, e-signed in 1–2 business days.

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Required for your TN title insurance agent license — file within 30 days of the license issuing

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Fixed amount, fixed price — $25,000 bond, $250, no quote theater

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A soft credit check may apply — never a hard inquiry, no impact on your score

A-ratedA.M. Best carriersInstantissued the moment you pay1–3 yrterms available

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How it works

Three steps to filed.

Your title license needs this bond on file within 30 days. Here's the entire process:

TODAY · ONLINE

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.

WITHIN 48 HOURS

Reviewed & approved

Most of these clear quickly; if underwriting needs anything, you hear from an underwriter within 48 hours. Any credit check that runs is a soft pull that never affects your score.

1–2 BUSINESS DAYS

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.

About this bond

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.

T.C.A. § 56-35-202Tennessee Code Annotated § 56-35-202 requires every licensed title insurance agent to file, within 30 days after the license is issued, a $25,000 bond (or cash/securities in like amount) with the Commissioner of Commerce & Insurance, payable to the state for the benefit of any person who suffers pecuniary loss from the agent’s fraud, dishonesty, theft, embezzlement, or willful misconduct, and maintained for as long as the license remains in effect.

You need this bond if you're

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Applying for a TN title insurance agent license — file the bond within 30 days

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Renewing your title agent license and your current bond is expiring or non-renewing

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A title agency adding licensed producers that each carry the filing

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An out-of-state agent getting licensed to close Tennessee transactions

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 typically issued within 1–2 business days.

Start the application →

FAQ

Common questions.

How much is the Tennessee title insurance producer bond?The premium is $250 flat, the same for every agent — the price you see is the checkout price. The $25,000 bond amount is set by statute, so there is no quote process.

Do I pay the $25,000?No. You pay $250. The $25,000 is the surety's maximum liability if a valid claim is made against the bond — not a deposit, and nobody holds your money.

When do I have to file it?T.C.A. § 56-35-202 requires the bond on file with the Commissioner of Commerce & Insurance within 30 days after your license is issued, and maintained for as long as the license is in effect.

Is there a credit check?A quick soft credit check may apply — never a hard inquiry, no impact on your score. It's the only extra step beyond the application, and it informs approval, not price. The premium stays $250 either way.

Can I deposit cash instead of a bond?The statute lets agents file $25,000 in cash or securities in lieu of a bond. Most choose the bond — you pay the $250 premium rather than tying up $25,000 in cash.

Related bonds

Other Tennessee bonds.

Commerce & Insurance is waiting on one document.

$250 flat, short application, e-signed bond in 1–2 business days. Free until issued.

Start application

Your price$250

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