Pennsylvania Title Agent Bond
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Why Do I Need a Pennsylvania Title Agent Surety Bond?
The Pennsylvania Department of Insurance requires all title insurance agents operating in the Commonwealth to obtain a $100,000 surety bond as a mandatory condition of licensure. This requirement is established under Pennsylvania Statute 910-26.1(3) and applies to any person, firm, association, corporation, or joint-stock company authorized to solicit risks, collect premiums, and issue or countersign title insurance policies on behalf of a licensed title insurance company.
The Pennsylvania title agent surety bond protects consumers from financial harm if a title insurance agent commits fraud, engages in unfair business practices, or otherwise fails to comply with the regulations governing title insurance in the state. If a valid claim is filed against the bond, the surety will pay the claimant up to the full $100,000 bond amount. The licensed title agent is then responsible for reimbursing the surety in full.
Pennsylvania Title Agent Bond Pricing
A credit review is required. BondAbility works with multiple carriers and has programs available for all credit profiles.
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Pennsylvania title agent surety bonds are underwritten — pricing is based on your credit profile, financial background, and professional experience. We work with multiple carriers, including programs for less-than-perfect credit, and will find you the best available rate. Submit our one-page application and receive your personalized quote within the business hour.
How To Get Licensed as a Pennsylvania Title Agent
Title insurance agents in Pennsylvania are licensed and regulated by the Pennsylvania Insurance Department. Before acting as a title agent, you must obtain a certificate of qualification and a license from the Department, and you must carry a written contract with — and be appointed by — a licensed title insurance company. The steps below outline the full licensing process.
- Meet the eligibility requirements. You must be at least 18 years old, hold a high school diploma or equivalent, be a resident of Pennsylvania, and have a clean criminal history.
- Complete a pre-licensing education program. You must complete a pre-licensing education program approved by the Pennsylvania Insurance Department. The program covers Pennsylvania title insurance law, title search procedures, and real estate principles.
- Pass the Pennsylvania Title Agent Licensing Exam. The exam is administered by PSI Services LLC. You must pass before submitting your license application.
- Complete the fingerprinting process. Fingerprinting is completed at a PSI Services LLC testing center.
- Obtain your $100,000 surety bond. You must submit a Pennsylvania Title Agent Surety Bond to the Pennsylvania Insurance Department as part of your license application. BondAbility can provide a personalized quote within the hour.
- Obtain Errors & Omissions insurance and a blanket Fidelity bond. In addition to the surety bond, title insurance agents must maintain an E&O policy and a blanket Fidelity bond in amounts acceptable to the title insurer appointing them.
- Submit your license application. File your completed application with the Pennsylvania Insurance Department along with your surety bond, proof of insurance, and a $200 application fee.
- Pass a background check. The Pennsylvania Insurance Department will conduct a background check. Upon successful completion, your license will be issued.
- Renew your license and bond annually. Pennsylvania title insurance agent licenses must be renewed with the Insurance Department each year. Your surety bond must also be renewed annually to remain in compliance.
Bond Details at a Glance
- Bond Amount: $100,000
- Starting Premium: $1,000
- Term: 1 Year
- Credit Check: Required
- Obligee: Pennsylvania Department of Insurance
- Obligee Address: 1326 Strawberry Square, Harrisburg, PA 17120
- Governing Statute: Pennsylvania Statute 910-26.1(3)
- Cancellation Notice: 30 days written notice to the Pennsylvania Insurance Department
Frequently Asked Questions
Who needs a Pennsylvania Title Agent Surety Bond?
Any individual, firm, association, or corporation acting as a title insurance agent in Pennsylvania — authorized to solicit risks, collect premiums, and issue or countersign title insurance policies — must obtain a $100,000 surety bond as a condition of licensure.
How much does the Pennsylvania title agent bond cost?
Premiums start at $1,000 for applicants with good credit and typically range from 1% to 5% of the $100,000 bond amount depending on credit score, financial background, and professional experience. BondAbility will find the best available rate for your specific situation.
Is a credit check required?
Yes. Pennsylvania title agent bonds are underwritten and require a credit review. BondAbility works with multiple surety carriers and has programs available for applicants with less-than-perfect credit.
How quickly will I receive my quote?
After submitting your one-page application, BondAbility's underwriters will respond with your personalized quote within the hour.
Is the bond continuous or does it need to be renewed?
The bond is issued for a 1-year term and must be renewed annually to remain in compliance with Pennsylvania Insurance Department licensing requirements.
Can the bond be cancelled?
Yes. The surety company may cancel the bond by providing 30 days' written notice to the Pennsylvania Insurance Department and the principal prior to the effective date of cancellation.
What other insurance is required in addition to the surety bond?
In addition to the $100,000 surety bond, Pennsylvania title agents must also obtain an Errors & Omissions (E&O) policy and a blanket Fidelity bond, both in amounts acceptable to the title insurer appointing the agent.
What happens if a claim is filed against my bond?
If a valid claim is made — such as fraud, misrepresentation, or a violation of Pennsylvania title insurance regulations — the surety will pay the claim up to the $100,000 bond amount. The licensed title agent is then responsible for reimbursing the surety in full.