Who requires it
Kansas Insurance Department — Title insurance agents
License & permit · Kansas
Kansas Title Insurance Agent Bond
A Kansas title insurance agent that handles escrow, settlement, or closing accounts must file a one-hundred-thousand-dollar surety bond or irrevocable letter of credit with the Commissioner of Insurance. K.S.A. 40-1139—as amended effective January 1, 2026—uses that single amount to secure faithful performance of the title-agent escrow duties in K.S.A. 40-1135 through 40-1141 and to protect persons harmed by conversion or misappropriation of escrow, deposit, or trust funds.
Common bond amount
$100,000
Fixed amount for agents handling escrow/settlement/closing accounts (K.S.A. 40-1139; eff. Jan. 1, 2026).
How you file
Surety bond or irrevocable letter of credit
Renewal
Maintain while handling covered accounts; 30-day termination / non-renewal notice
Who requires it
Title insurance agents who handle escrow, settlement, or closing accounts in Kansas. Agents who do not perform those services follow Insurance Department instructions for placing a non-handling letter on file instead of this bond.
How much is required
Section 40-1139(a) fixes the surety bond or irrevocable letter of credit at one hundred thousand dollars, issued by an insurer or financial institution authorized in Kansas. The surety bond may not terminate without thirty days’ prior written notice to the commissioner. An irrevocable letter of credit must be issued by an FDIC-insured bank (or successor), initially for at least one year, and must auto-renew unless the bank gives at least thirty days’ prior written notice of non-renewal.
How to get and file it
Confirm that your title operation handles escrow, settlement, or closing funds. Have an authorized surety issue a $100,000 title-agent bond (or arrange a qualifying irrevocable letter of credit) in a form acceptable to the commissioner, then file it with the Kansas Insurance Department as the current producer instructions direct. Maintain the bond or letter of credit while you handle covered accounts. Replace coverage before a thirty-day surety termination or bank non-renewal notice expires. If you stop handling escrow/settlement/closing work, follow Department guidance for documenting that status instead of carrying this instrument unnecessarily.
Cost note
One hundred thousand dollars is the required bond or letter-of-credit amount, not the premium you pay. See bond amount vs premium. Bond amount vs premium →
Requirement checklist
- Required amount
- $100,000
- Trigger
- Handles escrow, settlement, or closing accounts
- Alternatives
- Surety bond or irrevocable letter of credit from an FDIC-insured bank
- Beneficiary purpose
- Protects against conversion or misappropriation of escrow/deposit/trust funds
Official sources
Related resources
Frequently asked questions
Do all Kansas title agents need the $100,000 bond?
Section 40-1139 applies to title insurance agents that handle escrow, settlement, or closing accounts. Agents who do not handle those accounts should follow Insurance Department instructions for documenting that they are not performing those services.
Did Kansas used to have different title-agent bond amounts by county?
Earlier versions of the statute used county-population tiers. The January 1, 2026 amendment standardizes the escrow amount at $100,000 for covered agents statewide.
Related Kansas bond guides
Mortgage Company Bond
$50,000–$125,000
Kansas mortgage company applicants and licensees under the Kansas Mortgage Business Act must file a surety bond the Office of the State Bank Commissioner accepts. K.S.A. 9-2211 frames the requirement as a bond of not less than one hundred thousand dollars in an amount the commissioner sets by rule. The currently published K.A.R. 17-24-6 schedule sizes the amount by whether the company maintains a bona fide Kansas office and by prior-calendar-year Kansas mortgage origination volume.
Notary Public Bond
$12,000
Every Kansas notary public appointed on or after January 1, 2022, must keep a twelve-thousand-dollar surety bond for the four-year commission term. The Secretary of State’s appointment process requires the surety to complete section C of Form NO or Form NO-S; a standalone bond certificate alone does not satisfy that filing instruction.
Credit Services Organization Bond
$25,000
Kansas credit services organizations that provide fee-based debt-management or related credit services must file a twenty-five-thousand-dollar surety with the Office of the State Bank Commissioner. K.S.A. 50-1119 conditions the bond on faithful performance of licensee duties and makes it available for OSBC expenses, fines, and fees as well as consumer losses the commissioner attributes to statutory violations.
Surety basics (not repeated here)
Universal surety concepts explained once—linked here instead of repeated on every state or bond page.
Continue with a Kansas application
Kansas will be preselected. Choose your bond type in the application—we confirm the correct product against your agency form before anything is issued.
Last verified 2026-08-11. This guide is based on verified educational content and official sources.
Agents Ready to Help
Share your agency checklist or bond form and we will confirm the agency, amount, and filing steps before issuing.
Talk to the pro →