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Maryland title producer bonds.
$1,500 flat.
Maryland requires every title insurance producer to file a $150,000 surety bond with the Maryland Insurance Administration, protecting the escrow and trust money you hold. Ours is $1,500 flat, set by our carrier's rate book, identical for every producer. A quick soft credit check may apply — never a hard inquiry; the bond is issued when you pay.
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Three steps to licensed.
Your title producer license is waiting on this bond. Here's the entire process — no broker phone tag:
Apply once, online
Business details, your title agent number, owner information, a few commercial questions, and effective date — plus a one-time consent to a soft credit pull.
Approved
Most are approved as soon as you apply. The credit check is a soft pull that never affects your score. If it needs a second look, one to two business days at most.
E-sign & file with the MIA
Pay online and receive the executed bond, ready to file with the Commissioner after your license is approved. Wet-ink originals mailed whenever the State insists.
What it is and who needs it.
What the bond actually guarantees
Maryland licenses title insurance producers through the Maryland Insurance Administration, and conditions the license on a $150,000 surety bond (or letter of credit). Because title producers hold large sums in escrow and trust during real estate closings, the bond is an escrow-protection guarantee.
Specifically, the bond is for the benefit of any person who suffers a loss if the producer converts or misappropriates money received or held in escrow or trust. It's a three-party arrangement — you (the principal), the surety, and the State, with the parties to your closings as the protected beneficiaries.
The surety's total liability is capped at $150,000, and a surety must give the producer and the Commissioner at least 30 days' notice before cancelling. The statute also requires a separate $150,000 fidelity bond. It is not insurance for you: if the surety pays a claim, you repay the surety.
You need this bond if you're
One application, including a soft pull.
These are the actual underwriting fields, including a one-time consent to a soft credit pull. Submit once and your bond is issued when you pay.
Start the application →Common questions.
Other Maryland bonds.
The Insurance Administration is waiting on one document.
$1,500 flat, short application, bond issued when you pay. Free until issued.