Our specialty
Declined elsewhere? That's what we do.
Bad credit, prior claims, new businesses, high-risk classes. The files instant-issue sites reject are the ones we are built to place.
What we place that others won't
Five situations that get auto-declined online, and that we work to place by hand.
Bad or no credit
Low scores, thin files, collections, or no credit history at all.
Prior claims or losses
A past surety loss or claim that has you locked out elsewhere.
New contractors
Brand-new businesses with no track record yet to point to.
High-risk classes
Trades and bond types that automated programs simply will not write.
Disciplinary history
Reinstatements and disciplinary bonds for licensees with a record.
Honest process
No false promises. Just a broker who keeps working.
Hard-to-place does not mean no underwriting. We will not promise guaranteed approval, because that is not how surety works and you deserve the truth. What we will do is shop the markets that say yes to tough files.
- We shop multiple hard-to-place surety markets, not a single program
- We work with credit challenges, prior losses, and high-risk files
- We tell you what underwriting needs to say yes, in plain English
- We never promise guaranteed approval or pretend there is no underwriting
Questions
Hard-to-place FAQs
I was declined online. Can you still get me bonded?
Often, yes. Instant-issue sites run one program and decline anything outside it. As a broker we shop multiple markets, including those that specialize in credit challenges and tougher files. Underwriting still applies, but a decline at one door is not a decline everywhere.
Do you guarantee approval?
No, and you should be cautious of anyone who does. Every surety bond goes through underwriting. What we promise is that we will work your file across the markets that handle hard-to-place cases and be straight with you about what it takes.
Will it cost more if I have bad credit?
Usually, yes. Tougher credit means a higher premium rate. The trade-off is getting placed at all, and getting a path to better rates as your credit and track record improve.
What do you need from me to start?
Just the basics to begin: the bond type and amount, your license or application number if you have one, and a candid picture of the credit or claim situation. No card or SSN to get a quote.
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