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Tennessee special needs trust bonds.
From $125.

When a Tennessee court appoints you to manage a special needs trust and requires a bond, it guarantees you will handle the beneficiary’s money honestly. The court sets the amount — usually tied to the trust assets — and we issue it at From $125 with a quick soft credit check.

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Required when a court orders a trustee bond under the Uniform Trust Code (T.C.A. 35-15-702)
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Amount is set by the court — generally based on the value of the trust assets
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A quick soft credit check may apply — never a hard inquiry, no impact on your score
From $125flat premiumInstantissuance for mostSoft pullnever a hard inquiry
Trusted by industry leaders
New York City Economic Development Corporation (NYCEDC)
Blumenfeld Development Group (BDG)
Capital Development Partners
McKinney Properties
Terra Capital
JLL (Jones Lang LaSalle)
Triple Five Group
The Georgetown Company
New York City Economic Development Corporation (NYCEDC)
Blumenfeld Development Group (BDG)
Capital Development Partners
McKinney Properties
Terra Capital
JLL (Jones Lang LaSalle)
Triple Five Group
The Georgetown Company
How it works

Three steps. One sitting.

Most fiduciary bonds clear quickly — enter your amount, consent to a soft pull, and file the executed bond with the court. Here is the whole thing:

TODAY · ONLINE

Apply online

Your details, the trust, and the bond amount the court ordered. That is the application — a quick soft credit check may run as part of review.

WITHIN 48 HOURS

Reviewed & approved

Most fiduciary bonds clear quickly; if underwriting needs anything, you hear from an underwriter within 48 hours. Any credit check is a soft pull that never affects your score.

1–2 BUSINESS DAYS

File with the court

Receive the executed bond ready to file with the clerk so your appointment as trustee can be finalized. Wet-ink originals mailed on request.

About this bond

What it is and who needs it.

What the trust bond actually guarantees

A special needs trust holds assets for someone with a disability without disqualifying them from needs-based benefits. When a Tennessee court appoints a trustee to manage one, it may require a fiduciary surety bond to protect the beneficiary against loss from the trustee’s mismanagement or misappropriation.

Under the Tennessee Uniform Trust Code, a trustee gives bond only if the court finds a bond is needed to protect the beneficiaries or the terms of the trust require it. The court sets the amount when it enters the order — generally based on the value of the trust assets the trustee will control.

The bond protects the beneficiary, not the trustee. If a trustee breaches their fiduciary duty and the beneficiary is harmed, a claim can be made against the bond — and if the surety pays, the trustee repays the surety. Enter the court-ordered amount and we issue it at From $125.

T.C.A. § 35-15-702 (Uniform Trust Code)Under Tennessee’s Uniform Trust Code, T.C.A. § 35-15-702, a trustee gives bond to secure performance of the trustee’s duties only if the court finds a bond is needed to protect the beneficiaries’ interests or the terms of the trust require it and the court has not waived it. The court sets the amount, generally based on the value of the trust assets. Confirm the amount on your court order.

You need this bond if you are

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A trustee of a special needs trust the court ordered to post a bond
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A family member or professional fiduciary appointed to manage trust assets
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Replacing a prior trustee on a trust where the bond requirement carries over
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Funding a settlement or inheritance into a trust the court wants bonded

One application, then filed.

Submit the application with the court-ordered bond amount — a soft credit check may run as part of review. The executed bond is typically issued within 1–2 business days, ready to file with the court.

Start the application →
FAQ

Common questions.

How much is the Tennessee special needs trust bond?The premium is 1% of the bond amount plus a $25 fee, $125 minimum. The amount itself is set by the court — generally tied to the value of the trust assets. Enter the figure on your order to file.
Who sets the bond amount?The court does, in the order appointing you as trustee. Under T.C.A. § 35-15-702 a bond is required only if the court finds it necessary to protect the beneficiaries or the trust terms require it — and the court names the amount.
Is there a credit check?A quick soft credit check may apply as part of underwriting — never a hard inquiry, no impact on your score. Fiduciary bonds are reviewed more closely because the trustee handles other people’s money, but the premium stays From $125 regardless. Credit can affect approval, never price.
What does the bond protect?The beneficiary of the trust. If a trustee mismanages or misappropriates trust assets and the beneficiary is harmed, a claim can be made against the bond. If the surety pays, the trustee repays the surety — it is not insurance for the trustee.
What amount should I enter?Use the figure in your court order. If it isn’t finalized yet, send us the order or the trust value and we’ll confirm the amount and issue the bond.
Which A-rated carriers underwrite these bonds?Typically Arch Insurance Company (A.M. Best A+) or Nationwide Mutual Insurance Company (A.M. Best A). Which one writes your bond depends on the bond type and your state. The carrier's name and official signature are printed on the bond you receive.
How do I contact Light RFP about this bond?Email insurance@lightrfp.com. It reaches the bond team at Light RFP Risk Management Services LLC (NY DFS License # PC-1978982). Write to us about quotes, applications, bond forms or certificates. We will respond within 24 hours.
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Trust bond, filed this week.

From $125, soft credit check may apply. Enter the court-ordered amount and file the executed bond.

Your premiumfrom $125
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