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JW Surety Bonds >> Learn About Surety Bonds >> Frequently Asked Questions (Specific) >> What are Surety Underwriters?

What are Surety Underwriters?

Surety underwriters are the decision makers of the bond industry. They review and analyze surety bond applicants to see if they qualify for surety bonding. If they do qualify, it is the surety underwriter who determines how large of a bond the applicant is approved for and at what rate.

At times, bonding companies extend authority for surety bond agents to act as the underwriter. This is called "agent's authority" and can greatly increase the speed at which a bond is approved, as the agent and the underwriter are one in the same.