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The Merchants Advantage 

Merchants Bonding Company is unique in the surety industry. Our focus for more than 80 years has been almost exclusively on surety bonds. Our common sense underwriting approach and first-class service make us different from our competitors and give our agents an edge. We are ranked in the Top 15 surety writers in the United States by A.M. Best and the Surety & Fidelity Association of America (SFAA, 2017), and have had an A.M. Best rating of "A" (Excellent) or better for 60 consecutive years. 


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 are fiercely committed to reviewing each case on its own merits. Merchants does not use an inflexible formula.   
  • Net Worth is Key - Merchants considers many factors, including working capital during underwriting analysis, but our emphasis is on net worth, both business and personal, because we believe it is the best reflection of a company's past successes and future potential.
  • Character Counts - Merchants places significance on the personal character and net worth of business owners. In each case, we consider personal net worth, personal credit, and significant personal events.
  • Underwriting Intangibles - References - Some of the intangibles we typically evaluate include bank references, owner and supplier references, credit reports, and length of time in business. 


The Art & Science of Underwriting

Our team looks at the whole picture to find the right balance of factors for your surety solutions. Merchants' underwriters are dedicated professionals who are committed to providing common sense underwriting and first-class service. Our net worth philosophy, exemplary service, and focus on both the art and science of underwriting sets Merchants apart and provides our agents with a lasting edge.   


Want to learn more about a long-term successful partnership with a surety you can trust to do it right? Inquire here.