Title Agency Bond

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    Lowest rates on title agency bonds
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    Title agency bonds for all credit types
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    Bonds available in all states that require them
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    Very simple and secure application process

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What is a Title Agency Bond?

A title agency bond, or a title agent bond, is a surety bond required of title insurance agencies which guarantees that title agents or agencies will comply with a state’s regulation for title agents. The bond is usually required by a state’s Department of Insurance or another similar institution, when individuals apply to obtain a title agency license in their state.

The bond also guarantees that title agencies will perform their job in an honest, faithful and precise manner. This applies to all title agency functions, including title searches, title insurance, issuing and handling legal documents, and other tasks requested of them by clients.

In other words, title agency bonds protect the state and the public from title agencies that mislead or misrepresent their clients, act dishonestly, or otherwise engage in activities that are not in compliance with state regulations for title agencies.

Title agency bonds, as all bonds, are a type of agreement between three parties: the principal (the title agency or agent), the obligee (the state department licensing the agency and the public) and the surety bond company that backs the bond financially.

If a title agency does not comply with state regulations and causes financial harm to an obligee, the latter may file a claim against the agency’s surety bond. In this case, the surety bond company steps in and, if necessary, compensates obligees up to the full penal sum of the bond.

In such a situation, the title agency must then compensate, or indemnify, the surety for its coverage.

Questions about Title Agency Bonds

Who needs to obtain a title agency bond?

These bonds are necessary for title agencies, and title agents, in states which require them to get bonded. A separate title agency bond must be obtained to fulfill each state’s requirements, because of the differences in local regulations.

Title attorneys and title insurance agents may also be required to obtain these or similar bonds in order to receive their license.

These bonds should not be confused with title service agent bonds which are bonds required or car title agencies. These are an unrelated type of bonds.

Are there different types of title agency bonds?

Title agency bonds may vary in what they are called, depending on specifications and definitions in local regulations. As a whole, they are known as title agency bonds, but may also be called title insurance agent bonds, title insurance settlement agent bonds, title attorney bonds, or escrow agent bonds, to name a few.

This is why title agencies who wish to operate in multiple states must get bonded separately in each state that requires bonding.

Bonding Requirements By State

How much does a title agency bond cost?

Title agency bond cost is a fraction of the total amount of the bond. The exact amount of the bond is determined separately in each state and can vary significantly from those in other states.

For example, the amount of a title attorney’s bond in Texas is $7,500, a title agency bond in Florida is $35,000, and up to $150,000 and $200,000 in Ohio and Virginia respectively.

Bond cost is based on this amount and is usually a small percentage of it. The exact percentage is determined by sureties when they receive an applicant’s bond application. To determine a rate, sureties look at an applicant’s personal credit score, financial statements, asset profile and other indicators. Credit score is the most important among these– the higher an applicant’s credit score, the lower their bond rate.

Applicants with high, or relatively high, scores can expect a quote that is between 1% to 3% of the total amount of their bond. In other words, if you are getting bonded in Florida, the standard market rate on your bond will vary between $350 and $1,050.

Want to know how much your bond would cost? Just submit your surety bond application and we’ll do the rest. Once we’ve processed your application we will send you a free bond quote. Quotes are entirely free of charge and have no obligations attached to them.

Can I get a title agency bond with bad credit?

Applicants who have a low credit score are often turned down, and find it hard to get bonded. Many sureties do not want to take a risk, and decline applications from low credit applicants.

However, it’s still possible to get a title agency bond with bad credit and without excessive difficulties. Lance Surety Bonds’ Bad Credit Surety Bonds program makes this possible thanks to our access to a variety of special markets, made available by the sureties we work with.

All of these are A-rated and T-listed surety bond companies, which means that your bond is issued by some of the best companies in the country, at only a slightly higher rate. Under this program you can expect to pay a rate that ranges between 4% to 7.5% of the total bond amount.

Whether you get a rate under this program or a standard market rate, we at Lance Surety Bonds are always looking for the best and lowest rates for our clients. And we never make compromises with the quality of the bonds we provide.

How do I get my title agency bond?

To obtain a title agency bond, apply online through our application tool. Your application will be processed, and we will contact you within a short amount of time with a quote on your bond.

Call us at (877)-514-5146 anytime if you have any questions about your bond. Lance Surety Bonds’ experts have extensive experience in the surety bond industry, and will be able to help you out.

Title agency license requirements and renewal

When applying for a title agency license, you will be requested to fulfill a number of additional requirements, apart from submitting your title agency surety bond. These vary from state to state. Below is a list of possible requirements as well as documents that may be required

  • Title agency license application
  • Insurance examination
  • Copy of fingerprints
  • Name, address, social security number and other personal data
  • Criminal background check (especially if you have previous experience in insurance)
  • Employment history check
  • Name and details of business entity and business entity affiliations

Additionally, you will be asked to pay a fee, such as an application fee, a processing fee or a licensing fee.

Title agency licenses are issued for a certain amount of years, after which you will need to renew your license, along with your surety bond, and submit a number of the above documents anew.


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Find Your Surety Bond

We offer all types of surety bonds in all 50 states. If you can't find your bond in the table below, select "General business license or permit bond (not listed otherwise)" and start your application.
Arizona Escrow Agent Bond Arizona Dept of Financial Institutions Apply Now
California Escrow Licensee California Department of Corporations Apply Now
District of Columbia Title Producer Bond Government of the District of Columbia Apply Now
Florida Title Agency Bond Florida Dept. of Financial Services Apply Now
Iowa Closing Agent Superintendent of Banking Iowa Department Apply Now
Kansas Escrow, Settlement or Closing Accounts Commissioner of Insurance Apply Now
Maryland Insurance Administrator Title Maryland Insurance Administration Apply Now
Montana Escrow Business Bond MT, Division of Banking and Finacial Instatutions Apply Now
Nebraska Escrow Agents Bond state of Nebraska Apply Now
Nevada Escrow Agency/Agent Bond Division of Mortgage Lending Apply Now
Ohio Title Agent Bond Department of Insurance Apply Now
Pennsylvania Title Insurance Agent Pennsylvania Department of Insurance Apply Now
Tennessee Title Insurance Producer's Dept of Commerce and Insurance Apply Now
Tennessee Title Insurance Producer's Tennessee Department of Commerce and Insurance Apply Now
Texas Texas Escrow Officers Schedule Bond Texas Department of Insurance Apply Now
Texas Title Insurance Agent's Direct Operation's Bond Department of Insurance Apply Now
Virginia Title Insurance Settlement Agent Bureru of Insurance Apply Now
Washington Escrow Agent Business State of Washington D.F.I. Apply Now

About Us

Lance Surety Bonds
Lance Surety Bond Associates, Inc. is a Pennsylvania-based surety bond agency that offers bonding at competitive rates in all 50 states. Established in 2010, our company has grown to become one of the top online bond producers in the country. Working exclusively with A-rated and T-listed bonding companies gives us the confidence to offer a 100% money-back guarantee. read more

What Our Clients Have To Say?

Kimberlee Ables

Quick response times and turn around for issuing bonds. Great customer service and very knowledgeable. We have used Lance Surety multiple times and have never been disappointed. Highly recommend them and Collette!

Andrew Poincot

Long story short, these guys cut through the B.S. and get the job done. Responsiveness, excellent! Communication, excellent! Respect for their industry partners, excellent! John, Collette, Ryan, you're all-stars! Thank you!

Margie Martinez

We decided for Lance Surety Bond's quote for 2 reasons; Price and Customer Service. Our Representative Ryan was just SUPERB!! [...] I highly recommend Lance Surety Bond for all your Bonding needs! I'll definitely come back for all of mine. :-) Thanks Ryan!

Kimberlee Ables

Quick response times and turn around for issuing bonds. Great customer service and very knowledgeable. We have used Lance Surety multiple times and have never been disappointed. Highly recommend them and Collette!

Andrew Poincot

Long story short, these guys cut through the B.S. and get the job done. Responsiveness, excellent! Communication, excellent! Respect for their industry partners, excellent! John, Collette, Ryan, you're all-stars! Thank you!

Margie Martinez

We decided for Lance Surety Bond's quote for 2 reasons; Price and Customer Service. Our Representative Ryan was just SUPERB!! [...] I highly recommend Lance Surety Bond for all your Bonding needs! I'll definitely come back for all of mine. :-) Thanks Ryan!