Title agent, escrow, settlement, and abstractor surety bonds

Title Agent Bond Requirements by State

Title agents, title agencies, title insurance agents, escrow agents, settlement agents, closing agents, abstractors, and title insurers may need a surety bond before they can obtain, renew, or maintain a state license. Bond names, limits, filing methods, and applicant requirements vary by state.

Use this guide to compare title-related bond requirements, review state-specific title bond guides, understand pricing examples, and start an online quote with Jet.

Get a Title Agent Bond Quote View State Requirements Title Agent Bond FAQ

Last updated: July 2026. Title agent bond requirements, names, limits, and filing methods may change by state. Confirm final licensing instructions with the state regulator before filing.

Title Agent Bond Quick Answers

What is a title agent bond?

A title agent bond is a license surety bond required by certain state regulators for title agents, title agencies, escrow agents, settlement agents, abstractors, and title insurers.

Who needs one?

Title professionals may need a bond depending on the state, license type, applicant type, and regulator requirement.

How much does it cost?

Jet pricing examples include $100 annually for a $25,000 bond, $131 annually for a $35,000 bond, and $563 annually for a $150,000 bond.

How do I get quoted?

Start online, select your state and title-related bond type, and Jet will help match the bond to the state requirement.

Title Agent Bond at a Glance

Requirement Answer
Common bond names Title Agent Bond, Title Insurance Agent Bond, Title Insurance Producer Bond, Escrow Agent Bond, Settlement Agent Bond, Closing Agent Bond, Abstractor Bond, Title Insurer Bond
Required by State insurance departments, financial regulators, business regulators, or other licensing agencies depending on the state
Who is protected? Clients, consumers, the public, state regulators, and other parties protected under the bond form
What does it guarantee? The bonded title professional will follow licensing laws, handle funds properly, and meet covered obligations tied to the license
Is it insurance for the title agent? No. The bond protects others. If the surety pays a valid claim, the bonded principal must reimburse the surety.

Title Agent Bond Requirements by State

The table below lists title-related surety bond requirements and related state pages currently shown by Jet. Some states require a bond for a title agent, while others use related license names such as title insurance producer, escrow agency, settlement agent, closing agent, abstractor, or title insurer.

State Regulator Bond Type Known Bond Amount State Guide / Quote
California California Department of Insurance Underwritten Title Company Bond Varies by requirement Get Quote
District of Columbia DC Department of Insurance, Securities and Banking Title Producer Bond Varies by requirement Get Quote
Florida Florida Department of Financial Services Title Agent Bond $35,000 View Florida Guide / Get Quote
Idaho Idaho Department of Insurance Title Insurance Agent Bond Varies by requirement Get Quote
Kansas Kansas Insurance Department Title Agent: Escrow, Settlement or Closing Accounts Bond Varies by requirement Get Quote
Nevada Nevada Department of Business and Industry Escrow Agency Bond / Title Agent or Title Insurer Bond Varies by requirement Get Quote
Ohio Ohio Department of Insurance Title Agent Bond $150,000 View Ohio Guide / Get Quote
Pennsylvania Pennsylvania Insurance Department Title Insurance Agent Bond $100,000 Get Quote
Tennessee Tennessee Department of Commerce and Insurance Title Insurance Producer Bond Varies by requirement Get Quote
Texas Texas Department of Insurance Title Insurance Agent Minimum Capitalization / Title Insurance Agent or Direct Operation Bond Varies by requirement View Texas Guide / Get Quote
Virginia State Corporation Commission, Bureau of Insurance Title Insurance Settlement Agent Bond Varies by requirement Get Quote
Washington Washington Office of the Insurance Commissioner Title Insurance Agent Bond $10,000 Get Quote

Note: Title bond requirements vary by state, regulator, applicant type, license name, and filing method. Some regulators require the exact original bond form, seal, Power of Attorney, and wet signature. Confirm the final requirement before filing.

How Title Agent Bond Quotes Work

1

Choose Your State

Select the state where you are applying for, renewing, or maintaining a title, escrow, settlement, closing, abstractor, or title insurance license.

2

Confirm the Bond Type

Match the bond to the exact name shown on your licensing paperwork, such as Title Agent Bond, Escrow Agent Bond, Title Insurance Agent Bond, or Abstractor Bond.

3

Buy and File

Jet provides the bond form, receipt, and filing instructions. Some states allow direct filing, while others require the original signed and sealed bond.

Start My Title Agent Bond Quote

How Much Does a Title Agent Bond Cost?

At Jet, the cost of a Title Agent Bond is a small percentage of the state-required bond limit. The bond amount is the coverage limit required by the state, while the bond cost, also called the premium, is the price paid to purchase the bond.

Bond Limit 1-Year Price Monthly Price
$25,000 $100 $10
$35,000 $131 $13
$50,000 $188 $19
$100,000 $375 $38
$150,000 $563 $56

Florida Title Agent Bond Pricing Example

Bond Term Cost
Monthly $13
1 Year $131
2 Years $230
3 Years $328

Need a Title Agent Bond?

Start a quote online with Jet and select the state where the title, escrow, settlement, closing, or abstractor license is being filed.

Questions? Call (855) 516-3348 or email [email protected].

Get My Quote

Who Needs a Title Agent Bond?

Title Agents and Agencies

Title agents and title agencies may need a bond before receiving or renewing a state title-related license.

Escrow, Settlement, and Closing Professionals

Some states require escrow agents, settlement agents, closing agents, or related businesses to carry a surety bond.

Abstractors and Title Insurers

Abstractors, title insurers, and title insurance producers may have separate bond requirements depending on the state.

If you operate in more than one state, you may need a separate bond for each license and jurisdiction.

What Is the Purpose of a Title Agent Bond?

Title agents act as a designated neutral third party in real estate transactions. Because they may handle client funds, escrow funds, title insurance premiums, closing documents, and property transfer documents, the bond provides a financial guarantee to the regulator and the public that the licensee will perform duties honestly and efficiently.

The bond helps protect clients from covered losses caused by improper handling of funds, licensing violations, dishonest conduct, or failure to meet duties tied to the license.

Improper Escrow Handling

A claim may arise if a title professional improperly releases, withholds, commingles, or misapplies escrow funds.

False Statements

Creating false statements or misrepresenting important information to a client, lender, or regulator may lead to a bond claim.

Theft or Embezzlement

Dishonest handling of funds, premiums, or transaction proceeds can create covered financial harm.

Licensing Violations

Knowingly violating licensing laws, issuing title work without proper authority, or failing to meet covered obligations can trigger a claim.

How Are Title Agent Bonds Filed?

Title agent bond filing depends on the state. Before filing, confirm the required bond form, principal name, bond amount, effective date, signature rules, seal requirements, Power of Attorney, and filing method.

Direct Filing

Jet can file directly when the regulator accepts filing from the surety provider.

Original Bond Mailing

Some states require a wet-signed original bond with a surety seal and Power of Attorney.

License Package Filing

Some applicants must attach the bond to a larger license application package.

State-Specific Instructions

Filing rules can differ for title agents, title agencies, escrow agents, settlement agents, abstractors, and title insurers.

Title Agent Bond vs Insurance

A title agent bond is not insurance for the title professional. It protects clients, the public, and the regulator. Errors and omissions insurance may protect the title professional, while the bond satisfies licensing requirements and protects others.

Product Who It Protects Main Purpose
Title Agent Bond Clients, consumers, public, regulator Required licensing bond that guarantees compliance with covered title-related duties
Errors and Omissions Insurance The title professional or business May respond to certain professional mistakes, errors, or negligence claims
Fidelity Bond / Crime Coverage The business or covered party named in the policy May address employee theft or dishonesty depending on the policy

Multi-State Title Professionals

Title, escrow, and settlement businesses that operate in multiple states may need separate bonds for each state license. Each state may have a different bond name, amount, principal naming rule, filing method, renewal cycle, regulator, and accepted bond form.

Jet can help title professionals and title agencies quote bonds across multiple states, track bond names and limits, and identify which filings require original bonds versus direct filing.

Start a Multi-State Quote

How to Avoid Title Agent Bond Claims

  • Maintain the bond for the full period required by the state.
  • Use the exact legal name required by the license application and bond form.
  • File the bond through the correct state-specific method.
  • Keep escrow funds, client funds, premiums, and operating funds properly separated.
  • Do not issue title work, settlement documents, or closing services without proper authority.
  • Keep closing records, disbursement records, and client communications organized.
  • Follow all state title insurance, escrow, settlement, and abstractor licensing laws.
  • Renew the license and bond on time.
  • Respond promptly to regulator requests and consumer complaints.

Read Jet’s Title Agent Bond Claims Guide

Want to Know More About Title Agent Bond Processes?

How to Renew My Bond

For annually purchased bonds, see Jet’s process to renew your title agent bond.

Read the Renewal Guide

How to Cancel My Bond

See details surrounding cancelling your title agent bond.

Read the Cancellation Guide

Bond Claim Process

Find out what causes a Title Agent Bond claim and what happens after a claim is made.

Read the Claims Guide

Title Agent Bond FAQ

What is a Title Agent Bond?

A Title Agent Bond is a license surety bond required by certain state regulators. It guarantees that a title agent, title agency, escrow agent, settlement agent, abstractor, or title insurer will comply with applicable laws and properly handle funds.

Who needs a Title Agent Bond?

Title agents, title agencies, title insurance agents, escrow agents, settlement agents, abstractors, and title insurers may need a bond depending on the state requirement.

How much does a Title Agent Bond cost?

The cost depends on the required bond amount, state, term, and underwriting rules. Jet’s common price examples include $100 annually for a $25,000 bond, $131 annually for a $35,000 bond, and $563 annually for a $150,000 bond.

What title agent bond amount do I need?

Bond amounts vary by state and license type. Examples shown by Jet include $10,000, $25,000, $35,000, $50,000, $100,000, and $150,000 title-related bond limits.

Is a Title Agent Bond insurance?

No. A Title Agent Bond is not insurance for the title professional. It protects clients, the public, and the regulator. If the surety pays a valid claim, the bonded principal must reimburse the surety.

What can cause a Title Agent Bond claim?

Claims may result from willful misapplication of funds, commingling of funds, false statements, theft, embezzlement, failure to distribute funds, issuing a title without proper authority, or other covered licensing violations.

Who files the Title Agent Bond?

Filing depends on the state. Jet can often file the bond directly at no extra cost, but some regulators require the applicant to mail the original signed bond with the license application.

Are title agent bonds called different names?

Yes. Depending on the state, the bond may be called a Title Agent Bond, Title Insurance Agent Bond, Title Insurance Producer Bond, Escrow Agent Bond, Closing Agent Bond, Settlement Agent Bond, or Abstractor Bond.

Can Jet help with title bonds in multiple states?

Yes. Jet is a direct surety provider across all 50 states and can help title professionals obtain bonds for one state or multiple states.

Get the Bond Required for Your Title License

Start your quote online and choose the state and bond type that matches your title, escrow, settlement, closing, abstractor, or title insurance application. Jet will provide bond documents and filing instructions after purchase.

Call: (855) 516-3348
Email: [email protected]

Get My Title Agent Bond Quote

Notary Bond Application:

X

Business Information:

Indemnity Agreement:

I, the undersigned, hereby apply for a Dishonesty Bond also known as a Business Service Bond or Janitorial Service Bond (“bond”) to the Surety Company (“SURETY”) through Jet Insurance Company (“JET”), with whom I hereby grant the authority to act on my behalf with respect to the bond and assign as my Broker of Record, and declare that the statements herein are true and correct. In consideration of the SURETY issuing, renewing or substituting said bond(s), I, individually and as the owner or officer of the bonded entity, hereby understand and agree, as follows: (i) to reimburse, hold harmless, and indemnify SURETY upon demand for all loss, liability, claim, expense, including but not limited to attorneys’ fees, expert’s fees, investigative fees and claims handling fees, and any other cost which SURETY shall pay or incur in defense, adjustment, or settlement of such claims/suits by reason of such suretyship; (ii) that an itemized statement of loss and expenses by SURETY shall be indisputable proof of my liability to SURETY; (iii) coverage is subject to a $100 deductible; (iv) the employee must be convicted before coverage will apply (v) performance and any form of dispute resolution of this agreement shall take place in the county of SURETY's office of service; and (vi) a facsimile copy or electronically signed version of this agreement shall be binding as if it were an original. This agreement shall survive any changes in, substitute to or renewal of the bond(s).

Required Effect Date of Bond Policy:

Contact Information:

Employee Dishonesty Bond Application:

Business Information:

Business Description:

Coverage Requirements:

Indemnity Agreement:

I, the undersigned, hereby apply for a Dishonesty Bond also known as a Business Service Bond or Janitorial Service Bond (“bond”) to the Surety Company (“SURETY”) through Jet Insurance Company (“JET”), with whom I hereby grant the authority to act on my behalf with respect to the bond and assign as my Broker of Record, and declare that the statements herein are true and correct. In consideration of the SURETY issuing, renewing or substituting said bond(s), I, individually and as the owner or officer of the bonded entity, hereby understand and agree, as follows: (i) to reimburse, hold harmless, and indemnify SURETY upon demand for all loss, liability, claim, expense, including but not limited to attorneys’ fees, expert’s fees, investigative fees and claims handling fees, and any other cost which SURETY shall pay or incur in defense, adjustment, or settlement of such claims/suits by reason of such suretyship; (ii) that an itemized statement of loss and expenses by SURETY shall be indisputable proof of my liability to SURETY; (iii) coverage is subject to a $100 deductible; (iv) the employee must be convicted before coverage will apply (v) performance and any form of dispute resolution of this agreement shall take place in the county of SURETY's office of service; and (vi) a facsimile copy or electronically signed version of this agreement shall be binding as if it were an original. This agreement shall survive any changes in, substitute to or renewal of the bond(s).

Required Effect Date of Bond Policy:

Contact Information:

Contract Bond Application:

X

Business Information:

Owner Information:

Job Details:

Indemnity Agreement:

I, the undersigned, hereby apply for a Dishonesty Bond also known as a Business Service Bond or Janitorial Service Bond (“bond”) to the Surety Company (“SURETY”) through Jet Insurance Company (“JET”), with whom I hereby grant the authority to act on my behalf with respect to the bond and assign as my Broker of Record, and declare that the statements herein are true and correct. In consideration of the SURETY issuing, renewing or substituting said bond(s), I, individually and as the owner or officer of the bonded entity, hereby understand and agree, as follows: (i) to reimburse, hold harmless, and indemnify SURETY upon demand for all loss, liability, claim, expense, including but not limited to attorneys’ fees, expert’s fees, investigative fees and claims handling fees, and any other cost which SURETY shall pay or incur in defense, adjustment, or settlement of such claims/suits by reason of such suretyship; (ii) that an itemized statement of loss and expenses by SURETY shall be indisputable proof of my liability to SURETY; (iii) coverage is subject to a $100 deductible; (iv) the employee must be convicted before coverage will apply (v) performance and any form of dispute resolution of this agreement shall take place in the county of SURETY's office of service; and (vi) a facsimile copy or electronically signed version of this agreement shall be binding as if it were an original. This agreement shall survive any changes in, substitute to or renewal of the bond(s).

Required Effect Date of Bond Policy:

Contact Information:

Worker's Compensation Application:

X

Business Information:

Business Description:

Coverage Requirements

Indemnity Agreement:

I, the undersigned, hereby apply for a Dishonesty Bond also known as a Business Service Bond or Janitorial Service Bond (“bond”) to the Surety Company (“SURETY”) through Jet Insurance Company (“JET”), with whom I hereby grant the authority to act on my behalf with respect to the bond and assign as my Broker of Record, and declare that the statements herein are true and correct. In consideration of the SURETY issuing, renewing or substituting said bond(s), I, individually and as the owner or officer of the bonded entity, hereby understand and agree, as follows: (i) to reimburse, hold harmless, and indemnify SURETY upon demand for all loss, liability, claim, expense, including but not limited to attorneys’ fees, expert’s fees, investigative fees and claims handling fees, and any other cost which SURETY shall pay or incur in defense, adjustment, or settlement of such claims/suits by reason of such suretyship; (ii) that an itemized statement of loss and expenses by SURETY shall be indisputable proof of my liability to SURETY; (iii) coverage is subject to a $100 deductible; (iv) the employee must be convicted before coverage will apply (v) performance and any form of dispute resolution of this agreement shall take place in the county of SURETY's office of service; and (vi) a facsimile copy or electronically signed version of this agreement shall be binding as if it were an original. This agreement shall survive any changes in, substitute to or renewal of the bond(s).

Required Effect Date of Bond Policy:

Contact Information: