Who requires it
Nebraska Department of Insurance — Title insurance
License & permit · Nebraska
Nebraska Title Insurance Escrow Agent Bond
Every Nebraska-licensed title insurance agent—and any bona fide employee handling escrow or security deposits—must keep coverage of not less than one hundred thousand dollars under Neb. Rev. Stat. §44-19,109. The Director of Insurance accepts a surety bond, letter of credit, certificate of deposit, or deposit of cash or securities covering all of the title insurance agent’s employees. The Department’s Title Insurance Bond for Escrow Agents form uses a one-hundred-thousand-dollar amount payable to the Director.
Common bond amount
$100,000
Not less than $100,000 surety bond, letter of credit, CD, or cash/securities (Neb. Rev. Stat. § 44-19,109).
How you file
DOI escrow bond form, or letter of credit / CD / cash-securities deposit
Renewal
Maintain until director release; 30-day surety cancellation notice
Who requires it
Title insurance agents licensed in Nebraska who handle escrow or security deposits, including coverage for their escrow-handling employees, as required by the Director under §44-19,109.
How much is required
Section 44-19,109(3) sets a floor of not less than one hundred thousand dollars and allows a surety bond, letter of credit, certificate of deposit, or cash/securities deposit. The official DOI escrow bond form is drafted for one hundred thousand dollars per licensed title agent.
How to get and file it
Confirm that your title operation handles escrow or security deposits. Have an authorized surety complete the DOI Title Insurance Bond for Escrow Agents for $100,000—or arrange a qualifying letter of credit, CD, or cash/securities deposit—and file it with the Department of Insurance as producer licensing instructions direct. Keep the bond or deposit in force until the director releases it or the surety cancels with thirty days’ written notice to the Department of Insurance and the licensee. Replace coverage before cancellation so escrow-handling authority does not lose the required coverage.
Cost note
One hundred thousand dollars is the required bond amount, not the premium you pay. See bond amount vs premium. Bond amount vs premium →
Requirement checklist
- Minimum amount
- $100,000 covering the agent and escrow-handling employees
- Accepted forms
- Surety bond, letter of credit, certificate of deposit, or cash/securities deposit
- Who requires it
- Director of Insurance, State of Nebraska
- Cancellation
- Thirty days’ written notice to the Department of Insurance and licensee on the DOI bond form
Official sources
Related resources
Frequently asked questions
Do all Nebraska title agents need the $100,000 escrow bond?
Section 44-19,109 requires the director to impose not less than $100,000 of coverage on the title insurance agent and any bona fide employee handling escrow or security deposits. Agents should confirm with DOI how non-escrow roles are documented if they do not handle those funds.
Can I use a letter of credit instead of a Nebraska title escrow bond?
Yes. Section 44-19,109 expressly allows a letter of credit, certificate of deposit, or deposit of cash or securities in addition to a surety bond, each at not less than $100,000.
Related Nebraska bond guides
Mortgage Banker Bond
$100,000–$200,000
Nebraska mortgage banker applicants and registrants must file a one-hundred-thousand-dollar bond with the Department of Banking and Finance. After the mortgage report of condition, Neb. Rev. Stat. §45-724 requires the licensee to maintain or increase the amount to one hundred thousand, one hundred twenty-five thousand, one hundred fifty thousand, or two hundred thousand dollars based on the prior calendar year’s closed or serviced Nebraska residential mortgage loan volume. The company bond also covers mortgage loan originators who are employees or independent agents of the applicant.
Public Adjuster Bond
$20,000
Before Nebraska issues a resident or nonresident public adjuster license—and for the entire license term—the applicant must secure a surety bond of at least twenty thousand dollars under Neb. Rev. Stat. §44-9212. The bond must be executed by an insurer authorized to issue surety bonds in Nebraska. The Department of Insurance’s producer materials list a twenty-thousand-dollar surety bond as the required proof of coverage.
Notary Public Bond
$15,000
A Nebraska general notary commission does not authorize statewide notarial acts until a fifteen-thousand-dollar bond with an incorporated surety company has been executed, approved by, and filed in the office of the Secretary of State. Neb. Rev. Stat. §64-102 conditions the bond on faithful performance of the office and requires the appointee’s oath or affirmation to be endorsed on the bond.
Surety basics (not repeated here)
Universal surety concepts explained once—linked here instead of repeated on every state or bond page.
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Last verified 2026-08-11. This guide is based on verified educational content and official sources.
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