Texas title agent min-cap bonds.
From $100.

When a Texas title insurance agent doesn't meet minimum capitalization with cash or assets, it can post a surety bond instead — filed with the Texas Department of Insurance on form PC417 under Insurance Code §2651.012. Pricing is 1% of the bond amount, $100 minimum; your exact price appears at the application.

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Satisfies minimum capitalization under Insurance Code §2651.012 — filed with the TDI on form PC417

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Amount equals the capitalization you need to demonstrate — sized to your shortfall

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From $100 — enter your required bond amount and see your price at application

From $100priced at 1% of the bond amount, $100 minimumInstantquote at applicationNo credit reviewnot even a soft pull

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How it works

Three steps. One sitting.

No underwriting queue for the standard min-cap bond — enter your amount, pay, and file with the TDI. Here is the whole thing:

TODAY · ONLINE

Apply online

Your business details, the bond amount TDI required, and the effective date — that is the entire application. The application collects no credit information.

INSTANTLY

Issued on the spot

Most bonds generate as soon as you pay. Larger amounts may get a quick review — and

SAME DAY

File with the TDI

Submit the executed bond on form PC417 to demonstrate your minimum capitalization. Wet-ink originals mailed whenever the department insists.

About this bond

What it is and who needs it.

What the min-cap bond actually covers

Texas licenses title insurance agents through the Texas Department of Insurance (TDI) under Insurance Code §2651.012, which requires an agent to maintain a minimum level of capitalization. An agent can meet it with cash, deposits, real estate, liquid assets, a letter of credit — or a surety bond.

The Minimum Capitalization Bond (TDI form PC417) is one accepted way to demonstrate that requirement. The bond amount equals the capitalization you must show under §2651.012(c)(1)–(4), so it's variable — set by the population of the county holding your principal office rather than a single statewide figure.

The bond runs to the benefit of the Department and the people it protects, and the surety may cancel on 60 days' written notice to TDI. If a covered claim is paid, you repay the surety — it is not insurance for you. Enter the amount on your TDI requirement and we price it from a $100 minimum, with your exact price shown at application.

Tex. Insurance Code §2651.012 (TDI form PC417)Under Texas Insurance Code §2651.012, a title insurance agent must maintain minimum capitalization, which may be satisfied by a surety bond filed with TDI on form PC417 (Texas Title Insurance Agent's Minimum Capitalization Bond). The bond amount is set by §2651.012(c)(1)–(4) — it varies by agent — and the surety may cancel on 60 days' written notice to the Department. Confirm your required amount with TDI.

You need this bond if you are

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A Texas title insurance agent meeting §2651.012 capitalization with a bond instead of cash

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Applying for a title agent license and short of the capitalization figure

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Renewing and choosing a bond over tying up assets to show capitalization

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Replacing other security — a letter of credit or deposit — with a surety bond

One application, issued on the spot.

Submit the application with the bond amount TDI required — the executed bond is generated instantly, ready to file on form PC417.

Start the application →

FAQ

Common questions.

How much is the Texas title agent minimum capitalization bond?Pricing is 1% of the bond amount, with a $100 minimum. The amount itself is set by Insurance Code §2651.012 and equals the capitalization you need to demonstrate, so it varies by agent. Enter your figure at the application and your exact price appears, calculated at 1% of the bond amount.

Why would I post this bond?It's one accepted way to meet the minimum capitalization TDI requires of a title agent. Instead of holding the full amount in cash or assets, you post a surety bond for a fraction of the cost.

Is there a credit check?The application collects no credit information. Most applications approve instantly; larger bond amounts may get a quick review, and

What amount should I enter?The figure TDI gave you under §2651.012(c)(1)–(4) — it's specific to your situation. If you're not sure, send us your TDI requirement and we'll confirm before issuing.

Is this the same as the title attorney bond?No. The title attorney bond is a fixed $7,500 bond for an attorney acting as a title/escrow agent. This is a variable-amount capitalization bond filed on form PC417. Different filings — tell us which TDI asked for and we'll issue the right one.

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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Min-cap bond, issued today.

Pricing from $100. Enter the amount TDI required and file the same day.

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