MM Bonding & Insurance Services, Inc.

MM Bonding & Insurance Services, Inc. is a licensed California surety bond broker (CA DOI #6009105) based in Westlake Village that places contractor license bonds, bid, performance, and payment bonds, and commercial and specialty bonds statewide. The company represents clients by shopping multiple A-rated surety markets to place hard-to-place files, including those with bad credit or prior claims, though underwriting always applies and no guaranteed approval is offered. They serve all of California and offer a fast quote process that requires no payment, card, or SSN to begin.

The company's website states that it issues qualifying bonds the same day, such as the $25,000 contractor license bond required under BPC §7071.6. For contract bonds, the premium is billed once at issuance rather than annually, while license and commercial bonds carry an annual premium ranging from 0.75% to 15% depending on credit. A bid bond is listed as costing nothing, whereas performance and payment bonds are typically priced at 1% to 3% of the contract amount.

To get started, a client must provide the bond type, amount, and the name of the party requiring the bond, such as the CSLB or a project owner. The process involves a quick conversation where a licensed broker reviews the situation and responds quickly, often the same business day, with no fee to get a quote. For straightforward license bonds, the company can often quote and issue right away after the client accepts the quote and pays the premium.

The business is located at 699 Hampshire Rd, Ste 107C, Westlake Village, California, 91361, and operates Monday through Saturday from 9:00am to 5:00pm PT. Clients can reach the team by calling 805-752-8600 or sending a message via the contact form on their website. The company notes that Michael Melshenker, the CEO, is fluent in Spanish, allowing Spanish-speaking contractors to handle the entire bond process in Spanish.

The company explicitly states that it shops multiple top-rated surety markets, including CNA Surety, Merchants Bonding Company, Liberty Mutual Surety, and TMHCC Surety. This multi-market approach allows them to place bad credit, prior claims, and new businesses that instant-issue sites often decline. They emphasize that a real broker works the whole market for the client rather than relying on a single program or algorithm.

The website highlights that the company handles 'tough cases' such as bad credit, prior claims, and new businesses that are frequently declined by instant-issue sites. They also mention that they build and grow bonding capacity for contractors chasing bigger work. The CEO, Michael Melshenker, personally leads the company and works hard-to-place files himself, ensuring a named expert is available rather than an anonymous form.

The application process for a license bond generally requires only details and a credit check, whereas contract bonds need business financial statements, a work-in-progress schedule, a contractor questionnaire, personal financial statements from owners, and bank and CPA references. The company notes that the SBA Surety Bond Guarantee program exists for small and newer firms, backing a share of the surety's loss for contracts up to $9,000,000.

The company states that it holds direct appointments with established, A-rated surety companies to shop bonds across strong markets. They confirm the right market for a specific bond at the time of the quote. The website also mentions that they serve contractors statewide across California, focusing on the largest market in the country with roughly 325,000 active contractor licensees.

The company promises straight answers, real effort across the market, and a person whose name and license are on the line with the client's. They never promise guaranteed approval because surety always involves underwriting. The website also notes that they provide guidance on every bond page that is reviewed and dated by the CEO, Michael Melshenker.

The company states that they e-file with the CSLB and send the bond, with qualifying license bonds sometimes completed the same business day. They mention that a power of attorney is attached to the bond form to prove the signer could bind the surety. The website also notes that they do not underwrite insurance, routing those products to licensed partner agencies instead.

The company states that they will tell clients honestly if they are not the right fit for a specific bond and will point them in a better direction. They emphasize that there is never a fee to get a quote and that reaching out puts the client under no obligation to buy. The website also mentions that they review every answer on their FAQ page to ensure accuracy.

The company mentions that they have a team of licensed brokers who work the file personally, including Michael Melshenker who is fluent in Spanish. They state that they have been in business since 2022. The website also notes that they are licensed under CA DOI License #6009105 and that their guidance is reviewed and dated by the CEO.

The official website of MM Bonding & Insurance Services, Inc. is mmbonding.com.

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