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AMERICAN SURETY BONDS AGENCY
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LOST INSTRUMENT BOND
American Surety Bonds Agency helps individuals and businesses replace a lost, stolen, or damaged financial instrument. Our underwriting team reviews your application and the instrument’s details to secure your Lost Instrument Bond.
What Is a Lost Instrument Bond?
A Lost Instrument Bond is required by the issuer of a financial instrument, such as a cashier’s check, money order, stock certificate, promissory note, or trust deed/note, when that instrument has been lost, stolen, or damaged. It guarantees that the Obligee, the institution that issued the original instrument, is protected if that instrument later surfaces and is redeemed by someone other than the rightful owner after a replacement has already been issued. This lets the issuing institution provide a replacement without making you wait out its standard reissue period.
Also Known As
This bond goes by several names depending on the institution and instrument type. You may also see it called:
- Lost Security Bond
- Indemnity Bond for a Lost Instrument
- Lost Financial Instrument Bond
These generally refer to the same bond described on this page.
Who Needs a Lost Instrument Bond?
You may need this bond if:
- Your cashier’s check or money order was lost, stolen, or destroyed before you could cash or deposit it
- A financial institution has told you a bond is required before it will issue a replacement
- Your stock certificate was lost, stolen, or damaged
- Your trust deed or trust note was lost, stolen, or damaged
Looking for guidance on your specific instrument? See our Lost Cashier’s Check Bond guide, our Lost Stock Certificate page, or our Lost Trust Deed/Lost Trust Note page.
What Do I Need to Apply for a Lost Instrument Bond?
This bond is individually underwritten. To apply, you’ll generally need:
- The amount of the lost instrument
- A completed declaration of loss or affidavit, if the issuing institution has provided one
- The instrument’s issue date
- The payee name(s) shown on the instrument
- Personal or business information for a credit history review
Once your application and credit review are complete, our underwriting team will provide your rate. Then, once you pay for your bond, we’ll issue it the same day.
How Much Does a Lost Instrument Bond Cost?
Your required bond amount is set by the institution that issued the original instrument. There is no single fixed amount that applies to every case. Cost to purchase the bond typically starts at $100. American Surety Bonds Agency individually underwrites your premium (what you actually pay) based primarily on the bond amount, your credit history, and the details of the loss.
How Do I Apply for a Lost Instrument Bond?
Obtaining your Lost Instrument Bond through American Surety Bonds Agency is simple:
- Complete our online application.
- Our underwriting team reviews your application and the instrument’s details.
- Once approved, pay for your bond and we’ll issue it the same day.
- Receive your completed bond to submit to the issuing institution along with any other paperwork it requires.
Why Choose American Surety Bonds Agency?
American Surety Bonds Agency has been helping individuals and businesses meet their bonding requirements for decades. Whether you’re dealing with a lost financial instrument for the first time or you’ve been through this before, our experienced team is here to make the process simple and efficient.
When you choose American Surety Bonds Agency, you’ll receive:
- Experienced surety bond professionals
- Competitive rates from leading surety companies
- Fast underwriting and responsive customer service
- A secure online application process
- Assistance throughout the bonding process
Above all, we’re committed to helping you meet your bonding requirement quickly and correctly, with experienced guidance every step of the way.
Frequently Asked Questions
Lost Instrument Bond Basics
| What is a Lost Instrument Bond? | A Lost Instrument Bond guarantees that the Obligee, the bank or other institution that issued the original financial instrument, is protected if that instrument later turns up and is redeemed by someone other than the rightful owner after a replacement has already been issued. It lets the issuing institution provide a replacement without making you wait out its standard reissue period. |
| What types of financial instruments does this bond cover? | Cashier’s checks, money orders, stock certificates, promissory notes, trust deeds and trust notes, and other negotiable financial instruments. The bond works the same way regardless of instrument type; what changes is the Obligee, which is always the institution that issued the original instrument. |
| Is this the same as a Lost Security Bond? | Yes — “Lost Security Bond,” “Lost Instrument Bond,” and “Indemnity Bond for a Lost Instrument” are all common names for the same bond described on this page. |
| Who sets my bond amount? | The institution that issued the original instrument sets the required bond amount, not American Surety Bonds Agency. There’s no single fixed amount that applies to every case. |
Applying & Cost
| How much does a Lost Instrument Bond cost? | Cost to purchase the bond typically starts at $100. Your actual premium is individually underwritten based on the required bond amount, your credit history, and the details of the loss. |
| How long does it take to get a Lost Instrument Bond? | Once we confirm your application and the instrument’s details, our underwriting team can typically issue your bond the same day. |
| Is collateral required? | It depends on your credit and the specifics of your case. Your underwriter will let you know during the application process if collateral applies to your bond. |
| Do I need a different bond for each type of instrument? | No, it’s the same type of bond whether you’re replacing a cashier’s check, money order, stock certificate, or trust deed/note. That said, each bond is issued against one specific lost instrument, so if you need to replace more than one, you’ll need a separate bond for each. |
Looking for Your Specific Financial Instrument?
This page covers Lost Instrument Bonds generally. For guidance specific to your situation:
Lost Cashier’s Check Bond guide
Who Can I Contact for More Information?
Contact American Surety Bonds Agency toll-free at (877) 201-8976 or our Atlanta office at (404) 486-2355. Our team can help determine your bond amount and walk you through the application process.