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Probate and Fiduciary Bond (estate bonds)

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What is an Estate, Fiduciary or Probate Bond?

Fiduciary bonds are required by a court when you are named as the fiduciary or executor to protect the rightful heirs of an estate. The court requirements will vary by the state, county, township or city where the decedent lived at the time of his death, as probate laws vary by jurisdiction. If you do not handle the estate of a deceased individual according to the will or a court, a claim can be filed on your bond which you’re responsible to pay. A bond can be required even if the will states that no bond is needed, as it is ultimately left to the judge's discretion. This bond type is referred to by other names such as probate bonds, estate bonds and executor bonds.

Claims on Probate Bonds Can Put You At Risk

You're responsible to pay bond claims in full which can be as large as the full bond amount (including legal costs). The indemnity agreement you must sign to get your probate surety bond is a legal contract that pledges your corporate and personal assets if you cause bond claims. Read our guide to learn more about how bond claims work. Unfortunately, many bond providers don’t take the time to explain how claims can put you at risk and how to avoid them; if your agent doesn’t take the time to do this, we strongly suggest that you reconsider working with them. Find out what makes our company different from other bond providers.

How Much Does a Probate Bond Cost?

Pricing is a percentage of the executor bond amount, which is determined using your business financial strength (collateral is not required). You can use our free bond premium calculator tool to get a ballpark price estimate, or you can apply online to get a firm quote.


Frequent Questions

Can I get approved for probate bonding without collateral?

Yes. Collateral is not required for most probate bonds. They are usually approved with just your indemnification and premium.

I have bad credit. Can I still get a bond?

It is possible. However, it depends on the extent of your credit issues. You may be able to get approved if you only have moderate credit problems. Serious credit issues will make you ineligible for bonding. Securing the help of legal counsel will help guide you through the process and increase your chances of getting approved. Fill out our application online to see if you qualify.

How do I avoid claims?

Execute the estate in accordance with the will. If there is no will, you must cooperate with the probate law. Watch our video to get a better understanding of claims.

What if a false claim is filed?

You must contact the claims department of the surety company who wrote your bond and provide proof that the claim is false.

How do probate bonds work?

They are required by a court, and the court will vary by the county, township or city where the estate is located, as probate laws vary by jurisdiction. A bond can be required even if the will states that no bond is needed, as it is ultimately left to the judge's discretion. If a fiduciary or executor does not handle the estate according to the will or court orders, a claim can be filed on the bond to ensure the heirs receive the items outlined in the will.


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Jennifer Henson
Our company has been with JW Surety for several years now so when we needed to obtain a bond for a new company, we immediately went to them for help. Our rep, Melissa, was extremely helpful and prompt which made the process extremely easy for me.
David Tillotson
Trying to get a local Surety Bond was like driving a car on three tires. I searched Surety Bonds and found JW Surety Bonds. I got online and filled out the information and with in 30 minutes received a response from Melissa. She was informative, friendly and helpful. One more super satisfied customer.

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