OH title agent bonds.
$1,500 flat.
Ohio requires a licensed title insurance agent who handles escrow, settlement, or closing funds to file a $150,000 surety bond with the Department of Insurance. Ours is $1,500 flat — set by our carrier for this bond, identical for every agent. A soft credit check may apply, e-signed in 1–2 business days.
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Three steps to filed.
Your title agent license is waiting on this bond. Here's the entire process — no broker phone tag:
Apply once, online
Business details, owner information, effective date. That is the application — a quick soft credit check may run as part of approval.
Reviewed & approved
Most of these clear quickly; if underwriting needs anything, you hear from an underwriter within 48 hours. Any credit check that runs is a soft pull that never affects your score.
E-sign & file with the Department of Insurance
Pay online and receive the executed $150,000 bond ready to file with your title agent license. Wet-ink originals mailed whenever the state insists.
What it is and who needs it.
What the bond actually guarantees
Ohio title insurance agents who conduct closings hold large sums of other people's money in escrow. ORC 3953.23 requires those agents to maintain a $150,000 surety bond filed with the Department of Insurance, backing the honest handling of settlement and escrow funds.
The bond is for the benefit of any aggrieved person who suffers a loss from theft, misappropriation, fraud, or any other failure to properly disburse settlement, closing, or escrow funds in a real estate transaction — by the agent or its owners, employees, or officers. It runs alongside the agent's duty to keep non-directed escrow funds in an IOTA trust account under ORC 3953.231.
It is not insurance for you — if the surety pays a claim, you repay the surety. Agents who keep clean trust accounting and disburse correctly treat the bond as a license formality, not a risk.
You need this bond if you're
One application, issued instantly.
These are the actual underwriting fields. A quick soft credit check may run as part of approval — never a hard inquiry. Submit once and your bond is typically issued within 1–2 business days.
Start the application →Common questions.
Other Ohio bonds.
The Department of Insurance is waiting on one document.
$1,500 flat, short application, e-signed bond in 1–2 business days. Free until issued.