Common Sense Underwriting - First Class Experiences Merchants Bonding Company specializes in contract and commercial surety bonds, with an “A” (Excellent) or higher rating from AM Best since 1958. Established in 1933, we're guided by a bold purpose; to be the most trusted team in surety with a courageous culture. Merchants says yes to the best agents, accounts, and associates who are the core of our strong and vibrant culture. Merchants Bonding Company is among the top 15 largest surety writers in the United States, with 90+ years of consistency, common sense underwriting and first class customer service. Merchants' nearly exclusive focus on surety makes us unique in the industry. Unlike other insurance companies with multiple lines of business, Merchants has honed its expertise in contract and commercial surety bonding. Merchants' underwriting distinguishes itself from the competition by treating each account as unique. Merchants considers both business and personal net worth to create what we call common sense underwriting. Common sense underwriting is the foundation of our brand promise to our agents, agencies, and principals. We invite you to experience the Merchants Difference for yourself.