TN title insurance producer bonds.
$750 flat. Soft pull.
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 $750 flat — 3% of the bond amount, the same for every agent. One soft credit pull, e-signed in 1–2 business days.
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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 soft credit pull.
Reviewed & approved
Most of these clear quickly; if underwriting needs anything, you hear from an underwriter within 48 hours. The credit check is a soft pull that never affects your score.
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.
The whole pricing page.
$25,000 bond × 3% = $750, one-time per term. Fixed amount, fixed price, multi-year if you want it.
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 3% 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
Five minutes. The whole thing.
These are the actual underwriting fields, including a one-time consent to a soft credit pull. Submit once and your bond is typically issued within 1–2 business days.
Start the application →Common questions.
If yours isn't here, the bond team can usually answer within the hour.
How much is the Tennessee title insurance producer bond? +
Do I pay the $25,000? +
When do I have to file it? +
Is there a credit check? +
Can I deposit cash instead of a bond? +
Other New York bonds.
Commerce & Insurance is waiting on one document.
$750 flat, five-minute application, e-signed bond in 1–2 business days. Free until issued.