Rebuilt for scale, Tinubu Surety introduces real-time fixed income data, AI-native underwriting, and connected workflows across the Surety lifecycle.
Tinubu, the Surety platform serving over 150 agencies and 17 carriers, today shared its roadmap to bring AI-native and agent-first workflows, real-time data, and end-to-end connectivity to market.
[The story] It’s important for carriers to scale their performance with stronger risk intelligence, for agencies to scale without adding headcount, and for all stakeholders to come together and collaborate. ”
— Vinod Kachroo, Tinubu Americas Director
This investment extends Tinubu’s established commercial fixed income leadership into the more complex world of contract fixed income and advances the company’s efforts to connect two sides of the Surety ecosystem: carriers on the one hand and brokers and agents on the other, all on a single interoperable platform.
“Surety has been waiting a long time for true modernization. With these capabilities, it’s a bigger story than AI, automation, and real-time APIs. It’s about carriers scaling business results with stronger risk intelligence, agencies scaling without adding headcount, and all stakeholders coming together to collaborate. That’s what this technology is about,” said Vinod Kachroo, Head of Americas, Tinubu.
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Building a digital highway between carrier and broker/agent platforms
Today, carriers, brokers, and agents in the Surety market are disconnected, exchanging PDFs and emails and rekeying data across multiple siled systems. Tinubu is uniquely positioned to change that. The company operates both Tinubu Surety for Carriers (TSC) and Tinubu Surety for Brokers and Agents (TSBA), and has invested in the connective tissue that ties them together.
“Other companies are digitizing their steps. We are orchestrating workflows by connecting TSBA and TSC into a single intelligent loop,” said Rahul Guha, Chief Technology Officer, Tinubu Surety. “From agent onboarding and pricing to execution, renewals and cancellations, we are building something the Surety market has never done before: a system that not only supports one part, but runs the entire lifecycle. The efficiency gains are significant and we are well-positioned to deliver.”
Tinubu deploys a set of capabilities that form an orchestration layer across the Surety lifecycle.
New valuation engine: Our valuation engine has been rebuilt from the ground up to deliver real-time premium calculations with full transparency on all factors. Base premiums, modifiers, fees, and overrides are all visible, with full support for tiered pricing and flexible overrides.
Connecting broker and carrier workflows: Tinubu is building a digital highway between TSC and TSBA by sharing intelligence between systems. What previously required email and manual rekeying is now a single, closed loop, from agency registration and fee distribution to execution, renewal, approval, and cancellation.
AI-powered underwriting workbench: Much of the underwriting work—gathering financial data, calculating exposure, evaluating WIP status—is still done off-platform in spreadsheets and emails. The new Underwriting Workbench changes this by having an AI agent ingest and analyze incoming documents to reveal financial health metrics, WIP quality scores, and configurable risk scores within built-in approval workflows.
BondImport.ai: An AI-native product built for bonds that exist outside the system, BondImport.ai ingests data from any source, extracts and validates the data with AI, and pushes clean records directly into any system of record.
Modern UI: A redesigned interface features dedicated workflows for commercial and contract bonds with fewer clicks, intelligent widgets, and AI-powered contextual search and chat. Carriers can still configure field schemas and validation rules. For contract bonds, the underwriter starts with a complete understanding of the principals and their relationships.
Data modernization: SuretyQL and TransSync are moving from nightly batch jobs to real-time delivery via APIs and events. Bond data, updates, and account changes flow into downstream systems within seconds. By leveraging AI, customers can chat with their data and gain insights without having to create formal reports.
Surety Copilot: An AI assistant built directly into the platform, Surety Copilot allows users to create a personal agent that uses RAG (Search Augmented Generation) to chat with data within defined boundaries, surface relevant business information, and accelerate workflows.
Broker API-first modernization: The new Fixed Income Data API provides agents with full support for co-guarantee and multi-guarantee and a machine-to-machine path to sync fixed income trading data to Salesforce, agency management systems, CRMs, and data warehouses.
Headless API — Tinubu Developer Experience (TDX): The complete Tinubu Surety platform is now available as a suite of APIs, allowing customers to extend functionality and integrate with downstream systems. All endpoints follow the latest security standards including OAuth 2.0.
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