Common Sense Underwriting


Does Your Surety Consider Net Worth? Merchants Bonding Does!


Personal Wealth? Surety Says Yes.

Net Worth vs Working Capital

Merchants is one of the few markets focusing primarily on net worth when establishing surety credit. Accounts that have limited working capital but good net worth, such as heavy equipment contractors or sub trades, could be a good fit for Merchants.

Pooling of Equity

Merchants’ willingness to look at both the business and personal equity to establish surety limits allows us to write accounts “as is” when other markets are requiring accounts to inject personal money into the company.


Merchants does not underwrite using a credit model or inflexible formulas. Our flexibility and willingness to look at each account on its own merits is what Merchants was founded on and allows us to continue to obtain new business.

Watch More Merchants Stories

A company that focuses solely on surety bonds is unique in itself and offers superior service and communications to our agencies and accounts. But, it’s our common sense underwriting and a focus on net worth, both corporate and personally, that sets Merchants apart from other sureties.

Merchants is always an excellent choice. We are ranked among the top 15 surety writers in the United States and have maintained an A.M. Best rating of “A” (Excellent) or better since 1958.