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Texas corporate insurance agency bonds.
$250 flat.
When a corporation or partnership holds a Texas insurance agency license, the Department of Insurance requires proof of financial responsibility, which a $25,000 bond filed on form FIN505 satisfies. Ours is $250 flat — the price you see is the checkout price, the same for every agency.
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Three steps. One sitting.
License bonds are the simplest thing in surety. Here's the entire process:
Apply online
Agency details and an effective date. That is the application. No credit check.
Pay & e-sign
License bonds like this are among the thousands of bond types that issue right after purchase.
File on form FIN505
Your executed bond arrives by email, ready to file with your TDI agency license application or renewal. Wet-ink original mailed on request.
What it is and who needs it.
What the bond actually guarantees
Texas licenses insurance agencies through the Department of Insurance. Under Insurance Code § 4001.106, a corporation or partnership licensed as an insurance agency must be able to pay a customer claim of up to $25,000, and it meets that requirement with either an errors-and-omissions policy of at least $250,000 or a $25,000 bond (form FIN505).
It's a three-party arrangement: the agency (the principal), the surety carrier, and the State of Texas (the obligee), with the consumers your agency serves as the protected parties. The bond is payable to the Department for the use and benefit of your customers and is conditioned on the agency paying any final judgment a customer recovers against it — for instance, on a negligent act, error, or omission in the conduct of its insurance business.
It is not insurance for you — if the surety pays a claim, you repay the surety. Most agencies treat the bond as a one-time licensing formality. We track it and notify you 60 and 30 days out so your $25,000 filing stays continuous.
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
File on form FIN505. Your executed bond arrives by email, ready to file with your TDI agency license application or renewal. Wet-ink original mailed on request.
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.
No credit check.
One application, issued instantly.
These are the actual issuing fields. No credit check.
Start the application →Common questions.
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Price and requirements checked on the carrier’s application, . Page updated .
Finish your agency license checklist today.
$250 flat, no credit check, bond often issued in the same sitting. Free until issued.