Surety One, Inc.

C. Constantin Poindexter, Founder

Every time a client reaches out to Surety One, Inc., they become part of a collective effort that transcends mere transactions, creating ripples of positive change in the economic and social fabric of the communities that Surety One, Inc. serves.

A leading managing general underwriter, Surety One, Inc. is humanizing the world of surety bonds by giving unanswered requests their proper weight. This approach keeps the client top-of-mind, prompting mutual growth and opportunity.

Surety One, Inc. stands out in a profession where risk assessments often overshadow human stories. The underwriting team understands that every bond goes beyond being a mere financial instrument, acting as a vehicle that empowers individuals to pursue their professions, contribute to their communities and build sustainable futures for their families. Whether it’s a contractor needing a surety bond to secure a public works contract or a small business owner seeking to operate in compliance with occupational regulations, Surety One, Inc.’s services aim to augment their ability to earn a living.

“We never say no,” says C. Constantin Poindexter, founder. “Saying ‘no’ isn’t just turning away a client. It’s erasing someone’s chance to succeed.”

Surety One, Inc.’s methodology blends rigorous due diligence with a deep empathy for clients, straying away from a one-size-fits-all approach. Even in the most challenging circumstances, its underwriters tailor solutions that support customer aspirations. The ability to grasp the human aspect of its work has contributed to building strong, trust-based relationships with customers, who return for the support that they experience.

A rigorous two-step process is adopted to provide bonding solutions and support to each distinct client need. First, a deep understanding of a client’s requirements is established, and the applicant’s character, capacity and capital are comprehensively evaluated. By scrutinizing financial conditions and assessing an applicant’s ability to fulfill contractual obligations, surety underwriters ensure that each client can meet his or her commitments.

The second phase focuses on thoroughly understanding the nature of the bonded obligation. In surety underwriting, grasping what is being bonded is an imperative. A careful analysis is conducted to determine a project's scope, the provisions of the contract and any challenges that may arise during its execution and if the applicant is capable of complying with them.

On the risk assessment and management side, particularly in high-risk markets, Surety One, Inc. balances innovation with prudence. Advanced AI-powered models are paired with judgment underwriting, leveraged efficiently to accurately evaluate risks. Rigorous due diligence is conducted, including background research, credit reviews and financial statement evaluations, particularly for clients seeking significant bond capacities. The specifics of contractual obligations are examined, and the potential pitfalls are assessed to make informed underwriting decisions.

This technology-driven approach complements the underwriting team’s experienced judgment. More data and rigorous analysis allow the underwriters to make more informed decisions. Surety One, Inc. believes that successful underwriting begins with understanding who clients are and appreciating their character and ability to fulfill his or her promises. A client's true potential is determined by going beyond what numbers and algorithms reveal and incorporating the human touch.

With few exceptions, every client represents a success story. A notable instance involves a motor vehicle dealer whose request for bonding faced multiple rejections from other surety bond providers. Despite the industry’s often rigid underwriting practices, Surety One, Inc. recognized the customer’s personal situation and her strengths and approved her bond. This critical support allowed her to continue her business, secure her livelihood and provide for her family.

Impressive outcomes like these result from Surety One, Inc.’s commitment to traverse surface-level solutions. The founder’s implementation of the Japanese concept of the Five Whys, a method used to eliminate the obvious and delve into the root causes of issues, has been elemental in the company’s success with its clients. The practice allows the company to clearly understand the essence of offering surety and create meaningful, real-world impact rather than just completing transactions that result in a ‘win’ for only a fraction of the applicants who approach Surety One, Inc. with their needs.

Client satisfaction drives Surety One, Inc.’s operations, and with every piece of feedback, the company seeks to improve its offering to deliver the best surety support organization in the market. By upholding the principle of non-discrimination and fanatic focus on the client, Surety One, Inc. is thriving and making waves globally. Return customership and a high volume of word-of-mouth referrals evidence the viability of the company’s model and its strong organic growth.

By being obsessively concerned with the client's best interests, Surety One, Inc. emerges as the pinnacle of superior customer experience in the surety bond industry, leaving everyone's world better.