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Lost Instrument Bond

How much does a lost instrument bond cost?

Lost instrument bonds can be written in all states and are often required by financial institutions in order to issue a duplicate of a financial certificate that has been lost or stolen. The bond amount is set by the financial institution that issued the certificate and it is typically one-and-a-half times the amount of the lost or stolen certificate. Depending upon the type of certificate, the premium is calculated at $20 per thousand. Bonds up to $5,000 may be instantly issued for just $100! When a lost instrument bond amount exceeds $5,000, it is subject to underwriting and financials may be required as well.

Looking for a free quote for your lost instrument bond? Call 1 (800) 308-4358 or submit an online quote request and one of our surety specialists will contact you to assist with any of your bonding needs.

Bond Type Bond Amount Cost*
$5,000 or less Lost Instrument Bond $5,000 or less $100 Apply Now
Greater than $5,000 Lost Instrument Bond Greater than $5,000 Subject to Underwriting Apply Now
*The bond premium rate quotes provided to you through this website are for pricing comparisons and quotation estimate purposes only. The bond rate quotes provided are based on general assumptions that may or may not be applicable to you and are subject to change at any time. These rate quotes do not constitute an offer of insurance, nor is any contract, agreement, or bond coverage implied, formed or bound by the provision of rate quotes. Bondability, final bond premium rate quotes and an offer of insurance, if any, will be determined by the insurance company providing your bond. You must contact us directly to obtain a quote for binding purposes.

SuretyBonds.com emphasizes speed, efficiency and accuracy with its bonding services. Fill out our online bond request form, or call 1 (800) 308-4358 to connect with our surety experts.

Why do I need this bond?

When a financial certificate such as a cashier’s check is lost or stolen, it is the institution that issued the check guaranteeing the funds are available, rather than the individual on whose behalf the check is written. Therefore, if a duplicate check is issued and the lost or stolen check is deposited the issuer must pay those funds. The bond is in place to guarantee that if the original check shows up, the principal will not be able to cash it also. By requiring this bond, the financial institution ensures that the bank does not lose money by paying the amount of the check more than once.

Have any questions concerning your bond? Talk to a surety specialist today by calling 1 (800) 308-4358 or complete our bond request form online and an expert will contact you immediately.

What’s the fine print?

Lost instrument bonds are generally issued for a term of one-year, although the obligee may specifically ask for the bond to be effective for multiple years. The bond does not renew past the initial term and cannot be canceled or released by the surety, as the lost instrument may turn up at any time, keeping the liability open if it is used again.

A more comprehensive list of financial instruments may be found here.

Apply for a free quote today by filling out our easy online bond request form!

Understand surety bonds

Those who have a surety bond are responsible for acting ethically and lawfully while the bond is in effect. When it comes to lost instrument bonds, the obligee requiring the bond is the financial institution that issued the instrument, the principal required to purchase the bond is the individual who has lost or had the financial instrument stolen and the surety responsible for producing the bond is the underwriting company.

Want to learn more about what surety bonds are and how they protect consumers? Click here.

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