Rapid Access Program

Instant Contract Surety Bonds

Merchants Bonding Company's Rapid Access Program (RAP) for instant contract surety bonds is faster and easier than ever. With RAP, qualifying accounts are approved in seconds based on credit, and general indemnity agreements are expedited seamlessly with e-signatures.

Why Use RAP?

  • Qualifying accounts are approved in seconds based on credit
  • An effortless e-application allows agents to send the RAP application from the Merchants Bonding Company Hub directly to the client to collect the required information.
  • An agent's line of credit is issued for all RAP accounts.
  • GIAs sent directly to indemnitors for electronic signature
  • Secure online account messaging and document sharing
  • Work with your primary underwriter on accounts that don't meet the guidelines for automatic approval or if an account outgrows RAP

Review the Program Details to find out if RAP is right for your account.

Working with Merchants' RAP program is extremely easy, for both the agent and client. Most small contractor accounts need a quick turn around time, and that is exactly what RAP offers.

How Do I get a Surety Bond?

Surety bonds are issued by Merchants Bonding Company (Mutual) through insurance agents. Contact your local insurance agent or use our Find an Agent tool. They will guide you through the process, informing you of what documents and information are needed by the surety (Merchants Bonding Company (Mutual)) to underwrite your bond.