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Ohio Title Agent Bond

  • Easily apply for your Ohio title agent bond online
  • Excellent bonding rates
  • Bad credit program

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What Is an Ohio Title Agent Bond?

Title insurance agencies in Ohio have to get a license from the state Department of Insurance. One of the requirements you have to fulfill in order to legally start your business is to obtain a title agency bond.

The state requires you to get bonded to ensure additional protection for the general public. In case you breach the law in your activities as a title insurance agent, an affected party can get a compensation via a bond claim.

Your title agent bond works just like the rest of Ohio surety bonds. It is a contract between three parties. The principal is your title agency. The Department of Insurance is the obligee that requires the bonding. The third entity is the surety that provides the bond.

Frequently Asked Questions

Who needs to obtain such a bond?

Any entity that wants to operate as a title insurance agency on the territory of Ohio needs a license. The state body in charge of regulating the field is the Department of Insurance. It requires all agents to obtain a $150,000 surety bond in order to get an Ohio title agent license. The bond should be provided in the official bond form together with the licensing application.

The bond ensures that bonded agents will follow the law. More specifically, it ensures your compliance with Chapter 3953, Title 39 of the Ohio Revised Code.

What is the bond cost?

The bond amount that you are required to post, so that you can get licensed as an Ohio title agent is $150,000. To get bonded, you have to cover only a fraction of this amount. It’s called the bond premium and is typically between 1%-5% of the bond amount, if your finances are in good shape.

Surety Bond Cost Based on Credit Score
Surety bond name Surety bond amount Above 700 Between 650-699 Between 600-649 Below 599
Ohio title agent bond $150,000 $1,125-$2,250 $1,500-$3,750 $3,750-$$7,500 $7,500-$15,000

The bond premium is set on the basis of your personal and business finances. Your surety bond cost is affected by your credit score, business financials, as well as any assets and liquidity that you can showcase. By examining these factors, your surety can judge the level of bonding risk and thus determine your bond price.

What if I have bad credit?

In case you are facing problems such as low credit score, tax liens, bankruptcies, or civil judgements, you can benefit from our Bad Credit Surety Bonds program. It is designed for applicants with problematic finances who need to get bonded.

The bonding rates are often in the range of 5% and 10%. They are necessary in order to compensate for the higher bonding risk. Due to our collaboration with numerous A-rated, T-listed surety companies, we are still able to offer you a top bonding option, whatever your credit score is.

How do I get bonded?

Do you need more information about the bonding process? You can refer to our in-depth How to Get Bonded page.

Lance Surety Bonds’ specialists are here to help. Don’t hesitate to reach us at (877) 514-5146 if you have further questions.

How are bond claims handled for title agents?

You can receive a claim against your surety bond if you fail to follow the law and your obligations under the bond language. For your activities as a title agent, this means that if a party suffers losses of finances or property as a result of your breaches, they can file a claim. The maximum reimbursement is the penal sum of your bond, which is $150,000.

Bond claims are a serious financial threat for your business. While your surety may step in to cover the costs at first, you are liable to repay it fully. After a proven claim, it may be difficult to get bonded in the future as well.

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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!

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