Your brand. Your rules. Our infrastructure.
Submit Bonds™ is the operating layer behind bond submissions, power issuance, and audit accountability — delivered as a private-label platform under your brand. You configure the rules. We run the infrastructure. Your underwriting and capital stay yours.
The problem we solve
Every surety carrier signs treaties, posts collateral, and assumes downstream submission discipline. Then a bad bond, a missing power, or a fraudulent re-use surfaces — usually weeks late, usually by surprise.
Submit Bonds™ inverts that. The carrier becomes the source of truth, with real-time accountability over every bond submitted under its paper.
Today, carriers issue paper powers in books and trust agents to use them correctly. There’s no live enforcement of authority limits, geography, class, or expiration.
Submission audit trails get reconstructed after the fact, often from fax confirmations and email threads. Regulators, reinsurers, and treaty auditors expect better.
Three parties operate in three systems. Reconciliation is manual. Disputes are unresolvable without phone calls.
What Submit Bonds™ provides
Pillar 1 — Power
Carriers configure power authority once and enforce it in real time. Authority limits, geographic restrictions, class authorizations, expiration rules, and revocation triggers all live in a system the carrier controls. Every power is issued under the carrier’s brand, the carrier’s seal, and the carrier’s rules — not anyone else’s.
Pillar 2 — Accountability
Every submission, power action, document upload, and status change writes to an immutable audit trail. When a regulator, reinsurer, or treaty auditor asks, the answer is in seconds, not weeks. The audit trail is the carrier’s, scoped to the carrier’s data, exportable on demand.
Pillar 3 — Accessibility
Carrier, MGA, agent, sheriff, and read-only auditor all work in the same system, with role-appropriate permissions. No more chasing PDFs. No more reconciling spreadsheets. One source of truth.
How a deployment works
Submit Bonds™ is delivered as a private-label platform configured to your brand, your rules, and your jurisdictions. We run the infrastructure; your underwriting and capital remain yours.
Kickoff covering carrier details, branding assets, agent network size, target states and counties, integration requirements, and go-live targets.
Carrier branding setup. Power authority rule configuration. State and jail activation. Role and user assignment. Notification preferences. Payment processing through Authorize.Net. Identity verification through Persona.
Bulk agent and MGA import. License verification batch run. Power authority assignment per agent. Training materials and credential delivery.
Single county or single MGA pilot under monitoring. Daily standups logged in-system. Performance metrics dashboard. Issue tracking.
Production cutover. Legacy parallel run. Carrier handoff to platform support.
What stays yours
Pricing model
Submit Bonds™ pricing combines a deployment configuration fee, a monthly platform license, and per-transaction fees on submissions and powers issued. Agent and MGA seat fees are flat and predictable. Pricing scales with your activity, not with how many users you onboard.
Platform fees are passed through to your downstream agents and MGAs at your discretion — most carriers structure deployments so the platform pays for itself off transactional volume.
Request a pricing proposal →What this is not
This is not a sale of underwriting capability. Submit Bonds™ does not provide risk scoring, decisioning, or capital. Your underwriting stays with you.
This is not data resale. Submit Bonds™ does not sell carrier or agent data, ever. Carriers retain ownership and exclusive rights to their data.
This is not lock-in. Carriers can export their data at any time in standard formats. 90-day post-termination data access is contractual.
This is not vaporware. The underlying platform has been operating in participating Florida counties since 2019. Carrier-grade private-label deployment is the modernization layer being added now.
FAQ
No. iGuarantee is Palmetto Surety’s underwriting platform. Submit Bonds™ is the carrier-facing submission and power infrastructure. Carriers deploying Submit Bonds™ bring their own underwriting; Palmetto runs both as the reference implementation.
The current platform is built for bail surety. Adjacent surety lines may be supported as the platform expands; contact us to discuss your specific use case.
Submit Bonds™ has been operating in participating Florida counties since 2019. Nationwide expansion is underway with state activations driven by carrier demand. New state deployments take 60–90 days from carrier commitment.
No. State availability is driven by carrier deployments, not by Submit Bonds™ pre-building each state.
Carrier internal builds for comparable functionality typically run $2M–$5M over 24–36 months, plus ongoing maintenance, regulatory updates, and integration work. Submit Bonds™ deployments cover the same functional surface in 90 days with no capital expenditure.
Daily license monitoring against state regulators. Persona-verified agent identity. Tamper-evident audit trail. Authorize.Net payment processing under PCI-compliant infrastructure. SOC 2 Type II readiness in progress; full compliance documentation available under NDA.
The next step is a 30-minute deployment briefing. We’ll walk you through the platform, the configuration model, the deployment timeline, and the pricing structure for your specific carrier profile.
Or send a note via the carrier contact form