What is a lost instrument bond? Owners of stock certificates, checks, certificates of deposit, mortgages, life insurance policies, or other securities sometimes lose these documents and request duplicates. Many times, banks and other entities that issue these duplicate instruments require the owners of these lost documents to post lost instrument bonds. The lost instrument bond guarantees that the owner of the lost document will indemnify the bank or other entity for any loss it suffers because of the duplicate securities or other instrument it issued. What is the process to obtain a lost instrument bond? Colonial offers the direct and digital way to obtain a lost instrument bond. We are the insurance company — which means no agent, no broker, and no middleman. We make it easy to obtain your bond instantly. The steps are simple — get a quote online, fill out your information, answer our underwriting questions, upload the necessary affidavit and underwriting documents, and enter your payment method. Print your bond from your home or office. It’s that simple! What does a lost instrument bond cost? A lost instrument bond is reasonably priced and easy to obtain. You may notice that with other insurance agents and middlemen companies, your premium rate will fluctuate and include additional hidden fees and costs. Colonial offers our lowest possible rate. Premium is based on the amount of the bond required by the bank or other entity issuing the duplicate instruments, for each lost instrument bond. Does it matter where I get my bond? It is important to understand how surety bonds work, and who is the insurance company issuing your bonds. It is easy to obtain a lost instrument bond when you deal direct with a quality insurance company licensed to write surety bonds. Colonial is an A (Excellent) rated insurance company by A.M. Best, that has been incorporated since 1930. We are Treasury listed, and licensed and admitted in all U.S. states and territories.