How to Protect Yourself if you lose a Financial Document

A lost instrument bond is surety bond between an owner and a supplying firm to replace an instrument that has been lost or stolen. When any individual or organization is missing a stock certificate, a savings bank book, promissory note, certified check, or a similar document because of theft or because it was misplaced, the issuer will not deliver an acceptable replacement until the owner furnishes a lost instrument bond. If a duplicate document is issued, the original document, if found, will need to be submitted to the surety company.

dollar sign made of solid metal with arrow up stands on white ground - front textured with a dollar note

There are generally two types of lost instrument bonds:

Fixed Penalty bonds are used when the items lost are certified checks, certificates of deposits, or any items with a fixed value.

Open Penalty bonds are used when the items lost are stock certificates or any other items whose market value fluctuates.

Companies provide lost instrument bond services for, initially, one-year but they can later be renewed for multiple years. For professional lenders, the premium is generally 1% of the bonded amount and 2% of the bonded amount for all other applicants.


A lost instrument bond is used in the case that a financial document is misplaced or stolen.  Once a lost instrument bond is furnished, and the document is found to be missing, the issuer will replace the initial document.  If the initial document is found, then the owner will need to submit it to the surety company.  There are two different kinds of lost instrument bonds: Fixed penalty bonds and open penalty bonds.

We here, at are an independent bond-only agency, committed to the principles of service, integrity and professionalism. We view our clients, employees and underwriters as our “business family”. We strive to offer each and every one of them unsurpassed attention and support to ensure a mutually beneficial relationship.  We have a keen understanding that success for everyone is only possible through helping all of our constituents achieve their goals and objectives, we believe that a truly satisfied customer, employee or vendor is the best business strategy of all.  Our surety bonding services help create a blueprint for success. Our principals have relationships nationwide and have earned the trust of underwriters. Because of our credibility within the underwriting community and longevity in the industry, we are able to act as powerful advocates for our clients. We have a unique, tactical process to professionally design and present a thorough financial picture with risk and financial analyses to the surety market.