Who requires it
Pennsylvania Insurance Department — Bureau of Licensing and Enforcement
License & permit · Pennsylvania
Pennsylvania Title Insurance Agent Bond
Title insurance agents who conduct title insurance business for a title insurer in Pennsylvania must post a surety bond of at least one hundred thousand dollars on the form the Insurance Department prescribes before acting under a title agent license.
Common bond amount
Not less than $100,000
Statutory minimum $100,000 on the form prescribed by the Insurance Department; title insurers are exempt from this surety.
How you file
File the Insurance Department form through Sircon / NIPR
Renewal
Stays in force until canceled; 30-day notice to Insurance Department
Who requires it
Individual persons, partnerships, corporations, or other legal entities that conduct title insurance business on behalf of a title insurer and seek or hold a Pennsylvania title insurance agent license. Title insurers themselves are exempt from this surety. The separate blanket fidelity bond under § 910-26.1(2) is a different instrument and is not this guide’s subject.
How much is required
40 P.S. § 910-26.1(3) requires a surety bond in the form prescribed by the Insurance Department of not less than $100,000, executed by an insurer authorized in Pennsylvania. The bond secures the agent’s fiduciary duties and responsibilities. Claims cannot exceed the bond amount, and a title insurance company may not provide the bond directly or indirectly for the agent.
How to get and file it
Purchase the Insurance Department–prescribed title agent surety for not less than $100,000 in the agency’s legal name, pay the premium yourself (not through a title insurer), and submit proof as the Sircon/NIPR licensing process and department instructions require after you pass the examination and apply. The statute says the bond remains in full force until canceled. If the surety cancels, it must give the Insurance Department thirty days’ written notice before cancellation is effective. Keep the surety in place for the entire certification period; furnish documentation at renewal as the department requires. Maintain any required fidelity coverage separately under § 910-26.1(2).
Cost note
At least $100,000 is the required bond amount, not the premium you pay. See bond amount vs premium. Bond amount vs premium →
Requirement checklist
- Surety minimum
- Not less than $100,000 under 40 P.S. § 910-26.1(3)
- Cancellation
- 30 days’ written notice to the Insurance Department before cancellation is effective
- Related (separate)
- Blanket fidelity ≥$150,000 under § 910-26.1(2), unless an owner-only waiver applies
Official sources
Related resources
Frequently asked questions
Is the fidelity bond the same as this surety?
No. Section 910-26.1(2) is a blanket fidelity covering agency employees (generally at least $150,000). Section 910-26.1(3) is this fiduciary surety of at least $100,000. Agencies with no employees other than owners, partners, or stockholders may use the department’s fidelity-waiver affidavit when they qualify.
Can my appointing title insurer buy this bond for me?
No. The statute requires the title insurance agent to pay the surety premium and forbids a title insurance company from providing the bond directly or indirectly on the agent’s behalf.
Surety basics (not repeated here)
Universal surety concepts explained once—linked here instead of repeated on every state or bond page.
Continue with a Pennsylvania application
Pennsylvania 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.
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