Underwriting Philosophy

We take a human approach to underwriting.

At Old Republic Surety, we pride ourselves on the detail we give every bond application. We are consistent in our approach to helping our agency base and helping their customers succeed and grow. Based on a strong history of stable, consistent and ethical standards, Old Republic will give every submission the attention it deserves.

Contract Bond Underwriting

  • Every bond submission is important.
  • We have a can-do approach - if there is a way to write the bond - we will.
  • No computer program underwriting. Each case is underwritten based on it's own merits.
  • Challenging opportunities are approached at every angle.
  • We hear the contractor's story, we listen. We are always willing to meet with our contractor clients and prospects to understand their business better.
  • We manage our book of business for the long-term.
  • We don't make knee-jerk reactions to market changes or contractor claim scenarios.
  • Because we underwrite standard, best-in-class scenarios - giving us a very stable book of business, we then can afford to also make exceptions on more complicated submissions.
  • Our parent company, Old Republic International, has the same conservative approach.

New to surety bonds? We have the answers to all your questions.

Commercial Bond Underwriting

  • Delivering bonds in the simplest, most efficient, and timely manner possible
  • Providing bonds quicky, hassle-free, with maximum efficiency
  • Consistently helpful service delivered with care and kindness to make your day a little easier

We offer thousands of different bonds within our BONDSTAR™ system and can accommodate almost any bond you may need.

More From Our Blog

Probate Bonds Explained: What Executors and Administrators Need to Know

Probate Bonds Explained: What Executors and Administrators Need to Know

When someone is appointed to manage an estate, whether as an executor (named by the decedent) or administrator (appointed by a probate court), they …
Read more
Business Services Bonds: A Simple Tool That Protects Clients

Business Services Bonds: A Simple Tool That Protects Clients

For service-based businesses, trust is everything. Whether employees are cleaning a home, caring for a patient or working on a construction site, …
Read more
Beth Harbeck: From Curiosity to Leadership

Beth Harbeck: From Curiosity to Leadership

Beth Harbeck shares how falling into an entry-level role led to a national leadership position, reflects on the evolution of women in surety, and …
Read more

Learn more about our services & how we can help you

Contact Us