AI for surety bond agencies, tested on bid bond requests you already sent to underwriting.

Every closed request has its answer on file. A bid bond request leaves a trail: the contractor's form, the bid documents behind it, what your desk sent the surety, and the bond or the questions that came back. Your reviewer, the account manager who knows this desk best, sets each AI draft beside the submission your team actually made. The work is unforgiving on dates, too, since a bid opening doesn't wait for a late file.

Public work fixes the shape of the paper. What the trade still calls the Miller Act sits at 40 U.S.C. 3131, and the Federal Acquisition Regulation now cites it simply as Bonds. On a covered federal job the contractor furnishes a performance bond for the Government and a payment bond for those supplying labor and material, before notice to proceed. States write their own versions, the Little Miller Acts. Florida's, section 255.05, has the bond's front page carry the names, principal business addresses and phone numbers of the contractor, surety and owner, the contract number, the bond number and a project description, and has the bond recorded in the county where the work sits. It also says a public entity may not require a contractor to use a particular agent or bonding company.

The list of acceptable sureties moves. Corporate sureties on federal bonds must appear on Treasury's Circular 570, which Treasury's site shows as updated August 1, 2026. Its notes say certificates of authority expire July 31 and renew August 1, and that changes between editions go up on the surety bond site as they occur. The underwriting limitation in each listing applies per bond and doesn't cap how large a bond the company may write. A penal sum above it has to be covered by co-insurance, reinsurance or another method under 31 CFR 223.10 and 223.11, with reinsurance on a federal bond in place within 45 days of the bond's execution and delivery. On federal bonds the surety must be licensed in the state where it provides the bond, which need not be where the contractor sits or the work happens.

WIP spreads come next, or first if financials are your heavier load. Contractors' request forms ask for work on hand as of a date, and the surety reads that line against the contractor's own schedule and CPA statements. Spreading those into your agency's format is document work with a checkable answer: a schedule either ties to the statement or it doesn't. SBA's Surety Bond Guarantee program, which can guarantee bid, payment and performance bonds for small contractors, takes its forms through surety agents, so the same numbers also reach your desk on SBA's layout.

Who this is for, and the limit on all of it. These pages are written for the firms the National Association of Surety Bond Producers, founded in 1942, calls surety bond producers, whether an independent agency or a surety department inside a larger one. Surety work only: personal lines stay out, and an owner's personal financial statement stays out of the sample or is redacted. The proof of concept never touches your agency management system, a surety's portal or a live request, and it never decides whether a bond gets written or issues one. An account manager checks every request, and the surety's underwriter decides every bond. None of this is legal, accounting or underwriting advice.