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About us

The broker that places the bonds the robots decline.

MM Bonding & Insurance Services, Inc.is a California-focused surety broker. When you qualify, we issue fast. When you don't, a real, licensed underwriter shops multiple markets until it is done.

Michael Melshenker, CEO of MM Bonding

Michael Melshenker

CEO, MM Bonding

CA DOI License
#6009105
Founded
2022
Focus
Hard-to-place surety
View profile on LinkedIn

A named expert, not an anonymous form

Most surety websites are faceless. Ours is not. Michael Melshenker personally leads MM Bonding and works the hard-to-place files himself. The license number is public and verifiable, and the guidance on every bond page is reviewed and dated by him.

Why a broker beats a vending machine

Instant-issue sites run one program and decline anything outside it. As a licensed broker, we represent you, not a single carrier. That means:

  • We shop multiple top-rated surety markets for the best placement.
  • We place bad credit, prior claims, new businesses, and high-risk classes.
  • We build and grow bonding capacity for contractors chasing bigger work.
  • We answer the phone when a bid deadline is tomorrow morning.

Built for California contractors

California has roughly 325,000 active contractor licensees, the largest market in the country. We focus on the bonds those contractors actually need: the $25,000 license bond, contract bonds, and the supporting bonds that come with LLCs, qualifiers, and reinstatements.

Honest by design

We never promise guaranteed approval, because surety always involves underwriting. What we promise is straight answers, real effort across the market, and a person whose name and license are on the line with yours.

Markets we place with

Direct appointments with A-rated sureties.

We hold direct appointments with established, A-rated surety companies, so we shop your bond across strong markets instead of running a single program.

CNA Surety
Merchants Bonding Company
Liberty Mutual Surety
TMHCC Surety

Financial-strength ratings are set by the rating agencies and can change. We confirm the right market for your specific bond at quote.