Built on Trust. Now Backed by a $100 Million Bond!
At SeedTrust, trust isn’t just a word—it’s the foundation of everything we do. And we believe trust should always be backed by action.
We have once again raised the standard in escrow protection: increasing our bond from $50 million to $100 million. To our knowledge, this makes our bond 100 times larger than any other escrow provider in the industry.
We weren’t asked to do this. There’s no regulation requiring it, and no competitor pressuring us into it.
We chose to make this investment because it’s the right thing to do—for our clients, our partners, and the families behind every account.
Providing this level of protection comes at a cost—hundreds of thousands of dollars annually. It is currently our third-largest expense. But we do it to provide peace of mind.
Our $100 million bond is underwritten by 20 reputable insurance companies, offering unmatched financial protection for our clients.
This bond—technically an employee dishonesty insurance program—is one of, if not the largest of its kind. We partner with the world’s largest insurance broker, and according to them, this is the largest program not just in surrogacy, but across all industries they serve.
We’re proud that SeedTrust has reached a level of professional management, audits, oversight, and security that makes this possible—both for our clients and the industry as a whole.
Why does this matter?
Because behind every escrow account is a family. A dream. A future.
The bond exists to protect those funds in case the unthinkable happens—like business failure, internal fraud, or mismanagement. While we take every possible step to ensure that day never comes, the bond is the last line of defense that ensures donors, surrogates, intended parents, and agencies aren’t left unprotected.
Here’s what you need to know:
- Most people don’t think about bonding—until it’s too late.
- When something goes wrong, a small bond—or no bond at all—can result in devastating financial and emotional consequences.
- Our bond size means we undergo annual underwriting and audits to ensure minimal risk across our ownership, structure, team, and processes.
- 20 risk-evaluation experts from top-tier insurers have deemed SeedTrust worthy of carrying a $100 million exposure—offering you a level of confidence few can match.
This oversight—by experts putting their capital at risk—isn’t just a backup plan.
It’s one of the strongest endorsements of our company’s security and soundness.
Our advice?
Do not work with any escrow provider—or attorney’s office—that isn’t bonded for at least $10 million.
At that threshold, insurance companies require stringent underwriting, which acts as a proxy for safety, accountability, and financial stability.
We’re proud that 100% of client funds at SeedTrust are backed by our $100 million bond. And we remain committed to advancing financial security—both within SeedTrust and across the surrogacy industry.
This isn’t a marketing slogan. It’s a genuine investment in integrity, protection, and doing what’s right.
How can you help others understand the value of the bond?
We know this kind of protection can seem invisible—until it matters most. Here are a few ways to explain it:
Real-World Application
“Think of the bond like an insurance policy for the funds in your escrow. It’s the ONLY product that protects your money if a bad actor tries to take it.”
“Don’t be misled by FDIC insurance (which protects bank accounts) or general liability policies (which protect the business). Those don’t protect your escrow.”
Ask Thoughtful Questions
“Have you asked your escrow provider for proof of their bond?”
“How much does it cover?”
“Does it cover theft by ownership or internal actors?”
Understand the Contrast
“SeedTrust carries a $100 million bond. That’s not just above the industry norm—it’s leading it.”
“We’ve seen the devastating consequences of providers like SEAM, who weren’t properly bonded.”
“Large bonds require rigorous vetting—this is the strongest indicator of real security.”
Peace of Mind
“Most people don’t think about the importance of bonding—until they do.”
“Choosing a provider who’s thought ahead means you don’t have to worry.”
“Working with a provider that isn’t bonded is irresponsible and an unnecessary risk.”
So, why aren’t others doing the same?
SeedTrust led the way in bringing large-scale bonding to this industry. The path is there.
There are only a few reasons a company wouldn’t carry a significant bond:
- They are not qualified.
If a company isn’t creditworthy enough to secure a bond over $10 million, that’s a red flag. The risk of trusting your money with them is too high. - They cannot afford it.
If they don’t have the financial strength to maintain proper bonding, it raises questions about how securely they can manage your funds. Desperation leads to poor decisions. A trustworthy financial company should have strong cash reserves and invest in client protection. If they’re cutting corners here, where else are they cutting corners? - They choose not to.
Some providers skip bonding to increase profit. But how a business does anything is how it does everything. If you see signs of greed or shortsightedness in a company managing your funds—run.
SeedTrust is here to lead—not to compete.
To protect—not to cut corners. We are committed to giving our clients and partners the tools, transparency, security, and service they deserve. SeedTrust is more than an escrow provider—
We are your trusted financial partner for the entire journey.
