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PA Title Insurance Agents Bond

  • Get a free Pennsylvania title insurance agents bond quote
  • Excellent bonding rates
  • Bad credit options

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What Is a Pennsylvania Title Insurance Agents Bond?

Title insurance agents in Pennsylvania need a state license before they are allowed to operate legally. If you want to obtain your Pennsylvania title insurance agent license, you will need to post a title agency bond.

The surety bond requirement is an additional protection for the state and its citizens. The bond ensures your legal compliance. It can be used to provide a reimbursement to a harmed party via a bond claim.

Just like all surety bonds, your Pennsylvania surety bond is, in essence, a contract between three parties. Your title insurance agent business is the principal that needs the bonding. The Pennsylvania Insurance Department is the obligee requiring the bond. Last but not least, the surety is the party that provides the bonding.

Frequently Asked Questions

Who is required to get this bond?

If you want to operate a business as a title insurance agent in Pennsylvania, you will need a license from the state Insurance Department. One of the main requirements you have to meet is to post a $100,000 surety bond. It must be maintained at all times during your licensing period, so it must be continuous. The bond serves as an additional guarantee that you will follow your legal obligations, as set in the Pennsylvania Insurance Company Law.

What is the bond cost?

Title insurance agents in Pennsylvania have to obtain a $100,000 surety bond.

While this is the required bond amount, it is different from your bond premium. The actual cost you have to cover is typically between 1% and 5% of the bond amount, if your finances are stable.

Surety Bond Cost Based on Credit Score
Surety bond name Surety bond amount Above 700 Between 650-699 Between 600-649 Below 599
Pennsylvania title insurance agents bond $100,000 $750-$1,500 $1,000-$2,500 $2,500-$5,000 $5,000-$10,000

Your surety bond cost depends on the bond amount, but also on factors such as your personal credit score, business finances, and assets and liquidity. You have to apply with a surety, which will examine your bond application and overall profile to assess the level of risk involved in the bonding. The bond price you have to pay is lower when your finances are in good shape.

Is it possible to get bonded with bad credit?

Yes, even if your finances are problematic, you can get the bond you need with us. Lance Surety Bonds runs its Bad Credit Surety Bonds program for applicants with low credit scores, tax liens, bankruptcies, and civil judgements.

The bond rates are usually between 5% to 10%. The increased percentages compensate for the higher bonding risk. As we work with numerous of A-rated, T-listed surety companies, we are still able to provide you with a top bond quote, regardless of your credit score.

How do I get a title insurance agents bond?

Need more information about bonding? You can consult our How to Get Bonded page for further details.

If you have questions or need assistance, you can always reach us at (877) 514-5146. We’re here to help.

What happens if I get a bond claim?

It’s important to understand how bonds work, so that you can avoid problematic situations such as claims. In essence, the surety bond protects the state and your customers from fraud and misuse, as well as other illegal actions you may engage in. If you mishandle funds from your clients, or offer unreasonably high insurance quotes, for example, you may end up with a claim against your bond.

A harmed party can seek a reimbursement up to the penal sum of your bond, which is $100,000. If the claim is proven, you have to provide the compensation. Your surety may take up the costs initially. You are liable to repay it fully soon after. This means that the wisest course of action is to avoid claims as much as possible.

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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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