Utah lost instrument bonds.
Replace the instrument, indemnify the issuer.
Lost a cashier’s check, a stock certificate, or a promissory note? The issuer will usually replace it — but only if you protect them.
A lost instrument bond indemnifies the issuer if the original ever surfaces and is honored.
The penal sum tracks the amount or value of the instrument — often a multiple of it.
We underwrite it and a specialist returns a quote, usually within one business day.
Trusted by industry leaders
Built to get the instrument reissued.
The bank or transfer agent won’t reissue until they’re indemnified. The bond is what unlocks the replacement — here is the whole process:
Tell us the basics
The court order, the case, the penal sum the court set (or the size of the estate or property), and who the fiduciary is. The application captures it once — no broker phone tag.
A specialist underwrites it
A surety specialist reviews the bond and the principal, then returns a quote — usually within one business day. Larger penal sums may call for financials or collateral; we tell you up front, not at the closing table.
E-sign & file with the court
Approve the quote, sign, and receive the executed bond on the court’s required form with power of attorney attached. Wet-ink originals mailed whenever the clerk insists.
What it is and who needs it.
Why the issuer wants a bond
When a cashier’s check, stock certificate, or promissory note is lost, destroyed, or stolen, the issuer (a bank or a transfer agent) faces a real risk: if they reissue and the original later turns up in the hands of someone entitled to be paid, they could have to pay twice.
A lost instrument bond shifts that risk. It indemnifies the issuer — if the original is presented and honored after the replacement is issued, the bond makes the issuer whole. That guarantee is what lets them reissue.
This is a closed-penalty bond: the penal sum is fixed to the instrument’s amount or value, often at a multiple of face. The surety underwrites the applicant; higher amounts may call for collateral. It is framed to the issuer’s indemnity, not to a Utah-specific statute — the governing law is UCC Article 3.
You need this bond if you’ve
Start with the instrument and the issuer.
These are the actual underwriting fields — what was lost, its amount or value, and the issuer requiring the bond. Submit once and a surety specialist returns a quote, usually within one business day. Free until your bond is issued.
Start the application →Common questions.
If yours isn't here, the bond team can usually answer within the hour.
What is a lost instrument bond? +
How much does it cost? +
Why does the issuer require a bond at all? +
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Other New York bonds.
Get the instrument reissued.
Tell us what was lost, its value, and who’s requiring the bond. A surety specialist underwrites it and returns a quote, usually within one business day. Free until your bond is issued.