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Texas title agent min-cap bonds.
From $100.
When a Texas title insurance agent doesn't meet minimum capitalization with cash or assets, it can post a surety bond instead — filed with the Texas Department of Insurance on form PC417 under Insurance Code §2651.012. Pricing is 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 min-cap bond — enter your amount, pay, and file with the TDI. Here is the whole thing:
Apply online
Your business details, the bond amount TDI required, and the effective date — that is the application. No credit check up to $5,000 for individuals and partnerships (above that, a soft pull at most); for corporations and LLCs, one soft pull at every amount, never a hard inquiry.
Issued on the spot
Most bonds generate as soon as you pay. Larger amounts may get a quick review — and
File with the TDI
Submit the executed bond on form PC417 to demonstrate your minimum capitalization. Wet-ink originals mailed whenever the department insists.
What it is and who needs it.
What the min-cap bond actually covers
Texas licenses title insurance agents through the Texas Department of Insurance (TDI) under Insurance Code §2651.012, which requires an agent to maintain a minimum level of capitalization. An agent can meet it with cash, deposits, real estate, liquid assets, a letter of credit — or a surety bond.
The Minimum Capitalization Bond (TDI form PC417) is one accepted way to demonstrate that requirement. The bond amount equals the capitalization you must show under §2651.012(c)(1)–(4), so it's variable — set by the population of the county holding your principal office rather than a single statewide figure.
The bond runs to the benefit of the Department and the people it protects, and the surety may cancel on 60 days' written notice to TDI. If a covered claim is paid, you repay the surety — it is not insurance for you. Enter the amount on your TDI requirement and we price it from a $100 minimum, with your exact price shown at application.
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 the TDI. Submit the executed bond on form PC417 to demonstrate your minimum capitalization. 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 $5,000 for individuals and partnerships (above that, a soft pull at most); for corporations and LLCs, one soft pull at every amount, never a hard inquiry.
Where a check runs, it decides approval; the rate is the same for everyone approved.
One application, issued on the spot.
Submit the application with the bond amount TDI required — the executed bond is generated instantly, ready to file on form PC417.
Start the application →Common questions.
Other Texas bonds.
Price and requirements checked on the carrier’s application, . Page updated .
Min-cap bond, issued today.
Pricing from $100. Enter the amount TDI required and file the same day.