The broker that places the bonds the robots decline.
MM Bonding & Insurance Services, Inc.is a California-focused surety broker. When you qualify, we issue fast. When you don't, a real, licensed underwriter shops multiple markets until it is done.

Michael Melshenker
CEO, MM Bonding
- CA DOI License
- #6009105
- Founded
- 2022
- Focus
- Hard-to-place surety
A named expert, not an anonymous form
Most surety websites are faceless. Ours is not. Michael Melshenker personally leads MM Bonding and works the hard-to-place files himself. The license number is public and verifiable, and the guidance on every bond page is reviewed and dated by him.
Why a broker beats a vending machine
Instant-issue sites run one program and decline anything outside it. As a licensed broker, we represent you, not a single carrier. That means:
- We shop multiple top-rated surety markets for the best placement.
- We place bad credit, prior claims, new businesses, and high-risk classes.
- We build and grow bonding capacity for contractors chasing bigger work.
- We answer the phone when a bid deadline is tomorrow morning.
Built for California contractors
California has roughly 325,000 active contractor licensees, the largest market in the country. We focus on the bonds those contractors actually need: the $25,000 license bond, contract bonds, and the supporting bonds that come with LLCs, qualifiers, and reinstatements.
Honest by design
We never promise guaranteed approval, because surety always involves underwriting. What we promise is straight answers, real effort across the market, and a person whose name and license are on the line with yours.
Direct appointments with A-rated sureties.
We hold direct appointments with established, A-rated surety companies, so we shop your bond across strong markets instead of running a single program.
Financial-strength ratings are set by the rating agencies and can change. We confirm the right market for your specific bond at quote.