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Texas lost instrument bonds.
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Lost a cashier’s check, stock certificate, or note? You can get it replaced. But the issuer wants protection first — a bond that indemnifies them if the original surfaces. The penal sum tracks the value of the instrument, so we underwrite it rather than flat-rate it. A surety specialist reviews your file and returns a quote, usually within one business day.
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The bank, transfer agent, or issuer usually won’t reissue the instrument until your bond is in hand. Here is the whole process:
Send us the file
Apply online with a description of the lost instrument, its value, the issuer, and how it was lost. The value and the issuer’s requirement drive the penal sum.
A surety specialist underwrites it
A specialist reviews the file, a credit check, and any financials, then returns a quote. The penal sum tracks the instrument’s value — underwriting decides approval and any collateral.
Execute & deliver
Once you bind, we issue the executed bond on the issuer’s required form, ready to give to the bank, transfer agent, or company so they can reissue the instrument.
How a lost instrument bond works, and what to have ready.
Why it is required
A stock certificate, cashier's check or other financial instrument was lost, stolen or destroyed, and the issuer will replace it only if you post a bond.
Who it protects
The issuer or transfer agent. If the original turns up and someone cashes or transfers it, they recover their loss from the bond.
If there is a claim
The surety pays a valid claim and you repay the surety.
Have these ready
- The issuer's or transfer agent's letter asking for the bond, with the amount
- Details of the lost instrument: its number, issuer, date and value
- Your affidavit of loss, if the issuer asks for one
- Proof that you own the instrument
What it is and who needs it.
Why the issuer wants a bond
When a negotiable instrument — a cashier’s check, stock certificate, or promissory note — is lost, stolen, or destroyed, the holder can ask the issuer to replace it. But the issuer faces a real risk: the original could still be out there and turn up in someone else’s hands.
A lost instrument bond indemnifies the issuer against exactly that. If the original is later presented and the issuer has to pay it too, the bond makes the issuer whole — and the surety looks to you, the indemnitor, to repay it.
Because the bond protects the issuer for the value of the instrument, the penal sum is set to that value (often a multiple), and a high-value instrument can require collateral and financials. We tell you what your file needs before you commit.
You need this bond if you’ve
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
Term and renewal are set in the underwriter's quote.
Keep the bond in force for as long as the obligation behind it runs.
How to file it
Execute & deliver. Once you bind, we issue the executed bond on the issuer’s required form, ready to give to the bank, transfer agent, or company so they can reissue the instrument.
What sets the price
This bond is underwritten. The carrier's base rate for this bond is 2% of the bond amount; the underwriter sets your final premium from the amount, your credit and any collateral.
The application takes about ten minutes.
These are the actual underwriting fields — the lost instrument, its value, the issuer, and your finances. Submit once and a surety specialist returns a quote, typically within one business day. Free until your bond is issued.
Start the application →Common questions.
Other Texas bonds.
Requirements checked on the carrier’s application, . Page updated .
Get your lost instrument reissued.
Send us the instrument’s details and value, and a surety specialist sizes, underwrites, and quotes the bond — typically within one business day. Free until your bond is issued.