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Texas escrow officers schedule bonds.
From $100.
Texas title agents and direct operations file a schedule bond with the Department of Insurance covering their appointed escrow officers — $5,000 per officer, up to a $50,000 cap. It is a fidelity bond, not a license bond, priced at 1% of the bond amount, $100 minimum — your exact price appears at the application.
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Three steps. One sitting.
No underwriting queue for the standard escrow schedule bond — enter your amount, pay, and file with TDI. Here is the whole thing:
Apply online
Your agency details, the schedule total ($5,000 per escrow officer), and the effective date — that is the application.
Issued on the spot
Most applicants are approved instantly with no waiting — the executed bond is generated as soon as you pay. No credit check up to $10,000.
File with TDI
Submit the executed bond (TDI form FINT123) with your title agent or direct operation filing. Wet-ink originals mailed whenever the Department insists.
What it is and who needs it.
What the schedule bond actually covers
Texas licenses escrow officers through the Department of Insurance, and the title agent or direct operation that appoints them must carry a bond standing behind their honesty. It is a fidelity bond: it covers pecuniary loss the agent suffers through an escrow officer's fraud, dishonesty, forgery, theft, embezzlement, or wilful misapplication of funds.
The amount is a schedule: $5,000 for each appointed escrow officer, listed on an attached schedule, with the surety's aggregate liability capped at $50,000 no matter how many officers you appoint. The bond is filed on the Department's form (FINT123) and runs payable to the Department of Insurance.
Because the obligation sits with the agency rather than each individual, you file one schedule bond and update it as you add or drop escrow officers. Premiums are 1% of the bond amount, with a $100 minimum; no credit check up to $10,000.
You need this bond if you are
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 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.
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 with TDI. Submit the executed bond (TDI form FINT123) with your title agent or direct operation filing. Wet-ink originals mailed whenever the Department insists.
What sets the price
The premium is 1% of the bond amount, $100 minimum: the amount the obligee sets moves the price, not your business profile.
No credit check up to $10,000. Above that, the carrier may run a soft pull, which never affects your score.
Where a check runs, it decides approval; the rate is the same for everyone approved.
One application, priced from $100.
Submit the application with your schedule total — your exact price is set at the application, and most applicants are issued on the spot, ready to file with TDI.
Start the application →Common questions.
Other Texas bonds.
Price and requirements checked on the carrier’s application, . Page updated .
Escrow schedule bond, 1% of the amount, $100 minimum.
Exact pricing at the application. Enter your schedule total and file with TDI the same day.