Comprehensive Surety Solutions

Full-service underwriting, training, carrier partnerships, and consulting for the modern surety marketplace

Just in Time Expert Surety Underwriting

On-demand underwriting support for carriers during transitions, seasonal workload surges, FMLA coverage, or unexpected resignations—providing expert capacity exactly when you need it

What We Offer

  • Portfolio Analysis: Comprehensive reviews of bond portfolios, capacity utilization, and risk exposure
  • Case Underwriting: Detailed analysis of individual accounts and bond requests
  • Risk Assessment: In-depth evaluation of principal creditworthiness and project viability
  • Regional or Home Office support: Providing write-ups, reviews, and opinions for employed underwriters to make strategic decisions, or exercising authority as designed by the client

Industries Served

  • • Commercial Contract
  • • Energy & Renewables
  • • Financial Services
  • • Fintech & Digital Currencies
  • • Court and Probate
  • • General License & Permit

Our Process

1

Submission Review

Quick assessment & feasibility

2

Risk Analysis

Comprehensive evaluation

3

Underwriting Opinion

Strategic Terms & Conditions

4

Quote Delivery

Rapid turnaround

5

Ongoing Support

Renewal management

Surety Industry Education

Virtual or on-site team training as an add-on to existing team meetings, workshops, or company goals—customized to your SOPs, values, and objectives

Surety Fundamentals

Introduction to contract and commercial surety for new professionals

Advanced Underwriting

Deep-dive into risk assessment and decision-making

AFSB Workshops

Associate in Fidelity and Surety Bonding exam prep

Custom Programs Available

We design tailored training programs for your organization's specific needs:

  • New employee onboarding
  • Team skill development
  • Business Development
  • Sales and marketing education

MGU Partnerships Built on Trust & Integrity

Selective MGU relationships with exceptional loss performance on paper retained business—operating as a true extension of our carrier partners

Our Approach

Comhar operates as an MGU with only a select number of partners, acting as an extension of the surety company. We leverage our relationships, expertise, and experience in alignment with the carrier's goals for premium placement.

We're intentionally limiting and selective in our MGU relationships. We align our goals and values with our carriers, and we're committed to meeting our partner's premium and growth goals.

Because we're selective with our business, our agents, and our carrier partners, we only partner with a few trusted carriers in an MGU capacity.

Over $5M
GWP Under Management
0%
Loss Ratio Over 8 Years

Partnership Principles

Trust & Integrity

Exceptional loss performance on paper retained business demonstrates our commitment to quality

True Extension of Your Team

We operate as an extension of the carrier, aligned with your underwriting philosophy and goals

Aligned Growth Goals

Committed to meeting our partner's premium and growth objectives through strategic placement

Selective Partnership

Intentionally limiting relationships to ensure alignment of values, goals, and mutual success

Bespoke Consulting Services

Custom-tailored strategic guidance—no off-the-shelf solutions, only what fits your business perfectly

Our Approach

We're highly selective about who we work with and what we work on. Every engagement is bespoke—custom-tailored to your specific needs and challenges. We assess, we listen, and we build solutions that work for you.

We don't believe in one-size-fits-all approaches because they never fit anyone perfectly.

Operational Excellence

EOS Implementation (Traction)

Implementing the Entrepreneurial Operating System in your surety business for clarity, accountability, and growth

Process Optimization

Streamlining workflows for efficiency and profitability using modern technology and best practices

Technology Implementation

Azure-based portfolio management, AI-enhanced workflows enabling faster, smarter, and more consistent underwriting decisions, and real-time analytics tailored to your needs

Strategic Services

Strategic Business Growth

Building with the end in mind—long-term vision, sustainable growth strategies, and operational transformation that creates lasting value

Executive Coaching

One-on-one coaching using Motivational Code assessments to unlock leadership potential and team effectiveness

Startup & Growth Advisory

End-to-end support for launching or scaling surety operations including carrier partnerships and rate filings

Industry Education & Leadership

NASBP Sales Workshop

Teaching sales excellence to surety professionals nationwide

Surety School Educational Panel

Contributing to industry education and professional development

Ready to Get Started?

Let's discuss how our services can support your surety needs

Contact Us Today