You hold the closing funds. The bond holds you accountable.
A licensing bond for title and escrow agents
Title insurance agents — and in some states escrow or closing agents — are often required to carry a bond as a condition of licensing. It guarantees that you will handle escrow and closing funds properly, remit premiums to the title underwriter, and comply with your state's title and escrow law. Consumers, underwriters, or the state can claim against it if you don't.
What a title agent bond guarantees
The bond protects consumers, title underwriters, and the state — guaranteeing the proper handling of escrow and closing funds, remittance of premiums, and compliance with licensing law. It is a compliance and consumer-protection guarantee, separate from the title insurance itself, and you reimburse the surety for any valid claim.
How much a title agent bond costs
The bond amount is set by the licensing authority. The premium you pay is a small percentage of that amount — typically around 1%–3% for applicants with reasonable credit, more for weaker credit — so a modest bond often costs a few hundred dollars a year. We market it to multiple surety companies to get you the best rate.
Requirements vary by state
Whether a bond is required, and the amount, is set by each state's insurance or title regulator — and some states require a fidelity bond or E&O alongside it. We confirm your exact requirement before quoting.
Title Agent Bond requirements by state
The required amount and authority differ by state — and sometimes by city or county. We are licensed in all 50 states; request a quote and we will confirm the exact requirement that applies to you.
Frequently Asked Questions
What does a title agent bond cover?
It covers losses from a title/escrow agent's mishandling of closing funds, failure to remit premiums, fraud, or violation of title law. You reimburse the surety for any claim it pays.
Who requires a title agent bond?
The state insurance or title regulator, as a condition of a title agent (and sometimes escrow/closing agent) license. Requirements and amounts vary by state.
How much does a title agent bond cost?
A premium equal to a small percentage of the required bond amount, based on your credit.
How do I get a title agent bond through Cory Washington & Co.?
Request a quote or contact our team. We confirm your exact requirement, market your bond across multiple surety companies that compete for it, and handle the filing. Cory Washington & Co. LLC is licensed in all 50 states.
All surety bond descriptions on this website are provided by Cory Washington & Co. LLC strictly for general informational purposes. They are not intended to be, and should not be relied upon as, legal, financial, or bonding advice. Surety bonds are not insurance. Bond requirements — including amounts, obligees, and bond forms — are set by government authorities and other obligees and change over time; the information presented is general in nature and does not guarantee the availability, terms, conditions, or amount of any bond. Actual bond terms are governed by the bond form issued by the surety and the requirements of the obligee, and any bond remains subject to underwriting approval. Nothing on this website creates or implies an agent-client relationship, binds a surety, or issues a bond. Cory Washington & Co. LLC expressly disclaims any liability for actions taken, or not taken, based on the content provided here. For advice regarding your particular situation, please confirm current requirements with the relevant authority and consult directly with a licensed professional at Cory Washington & Co. LLC.