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The Merchants Difference

Merchants Bonding Company is among the top 20 largest surety writers in the United States, with a 77-year reputation for consistency, common sense underwriting and customer service. It is not a coincidence that more than 20 percent of our top producing agents have partnered with Merchants for more than 20 years and 70 percent have partnered with us for more than five years. Strong, long-lasting relationships are what we seek out, cultivate, and maintain. 

Merchants has achieved an "A" (excellent) rating with A.M. Best for 51 consecutive years.

Merchants Bonding is unique because our focus is almost exclusively on surety.  Unlike other insurance companies with multiple lines of business, Merchants has honed its expertise in contract and commercial surety bonding. 

The Benefits of Merchants Surety Solutions Include:

Common Sense Underwriting

• Accounts are NOT alike
  We have a deep understanding of underwriting considerations and one thing is clear:  No two accounts are alike.  We review each case on its own merits. Merchants does NOT use an inflexible formula. 
• NET WORTH is key
  Our emphasis is on net worth because we believe that it is the best reflection of a company’s past success and future potential.
• Character Counts
  Merchants places significance on the personal character of business owners. References, length of time in business and significant personal events offer insight.
• The Art & Science of Underwriting
  The science of underwriting involves detailed data analysis, but it is in the art of underwriting where Merchants truly shines.  It is the combination of our art and science that sets us apart from other surety companies and positions our agents for long-term success.

Online Innovation

Our Agency Center provides for all of your online bonding needs. Merchants web site is among the top 5 used for online bond processing, according to the NASBP 2007 Technology Survey. 

Personal Service

We are fiercely committed to providing personal service. From our receptionists answering the phones to our team underwriting approach, you will always have people to speak to, and our people promise to serve your needs with fast, friendly service.