A recent Surety industry survey revealed that workflow optimization and bond turnaround times are top of mind for both brokers and carriers. Everyone wants issuance to be faster and less manual, yet many commercial bonds still take 24 hours or more to issue—even though, with the right technology, they can be completed in minutes. Brokers know that speed and submission quality create a meaningful competitive advantage and drive stronger margins, particularly for smaller bonds. Tinubu’s cloud-based platform addresses this challenge by streamlining workflows, reducing manual effort, and connecting stakeholders—and when it comes to accelerating bond issuance, one capability stands out: the Bond Form Library.
More Forms, More Problems: The Traditional Struggle
For Surety agents and brokers, issuing a bond is rarely as simple as pulling a standard template. Historically, bond issuance has been a manual process, which can be research-intensive. The challenge stems from the sheer scope of the Surety market:
- A Sea of Forms: There isn’t one “performance bond” form. There are thousands. Requirements differ not just by state, but by city and county, as well as by specific public agencies or project owners. An agent issuing simple, low-value contractor bonds might need one form for a Cook County, IL license bond, and completely different forms to achieve the same thing in California or Florida.
- Hunting and Gathering: Before a single field can be filled, agents must first locate the correct, current form. This often involves scouring agency servers, contacting carrier reps, digging through state government websites, or even requesting forms directly from obligees.
- Version Control Challenges: Keeping track of which form is current is a major task. Municipalities and carriers update forms regularly, and an agent relying on a saved form from last year may inadvertently use an obsolete version, leading to rejection, even if the two forms are essentially the same.
- Manual Entry = Error Risk: Once the correct form is found—often as a non-fillable PDF or a scanned document—the agent must manually populate numerous fields. Each manual entry is a potential point of failure, from transposed numbers to incorrect legal names, creating liability and requiring time-consuming corrections.
This process isn’t just slow; it’s a significant operational bottleneck. It consumes hours of billable time on low-margin, high-volume commercial bonds. It also introduces risk and the possibility of errors.
The Modern Solution: The Tinubu Bond Library
The Tinubu Bond Library is engineered specifically to solve the multi-faceted problem described above. It transforms the chaotic, manual management of bond forms into a streamlined, digital workflow for efficient bond issuance. Here’s how it works and why it’s a game-changer for agents and brokers.
Instant Access to the Industry’s Largest Collection of Bond Forms
Tinubu’s library is the biggest, most diverse and comprehensive on the market, housing over 30,000 bond forms stored as editable PDFs, ready to use. This depth and comprehensiveness ensures that for virtually any bond need, in any jurisdiction, the correct form is likely already in the library, searchable in seconds.
This unparalleled collection includes:
- Generic and Standard Forms: From common bid bonds to subdivision agreements.
- Jurisdiction-Specific Forms: Different versions of the same form posted under multiple SAA codes.
- Carrier-Specific Bonds: Complete with official letterhead and approved language.
Search, Click, Issue: A Streamlined Workflow
The library integrates seamlessly into an agent's daily work. It stands out for its ease of use:
- Intuitive Search: Agents can search by bond type, SAA code, jurisdiction or carrier to instantly locate the form they need.
- Smart Organization: Forms are organized into four main categories: Generic, Performance and Payment, Standard Bid Bond, and Subdivision. Users can save frequently used forms to a personal Favorites queue for one-click access. This structure streamlines the search process, enabling agents to navigate and select the appropriate bond easily.
- Digital Population: Once selected, the form opens as an editable PDF. New bonds can be issued in minutes, simply by setting client and rate information, largely removing manual work, saving time and reducing errors.
The Crowdsourced Advantage
The Tinubu Bond library apart isn’t just big—it’s constantly growing:
- Crowdsourced Expansion: Since new forms emerge constantly, Tinubu operates a crowdsourced model. If an agent has a form that is not in the library, they can submit it. Tinubu’s team then handles the digital cleanup—converting scanned documents into clean, fillable PDFs available for all users. This creates a virtuous cycle where the library grows directly from real-world agent needs.
- Form Updates: If a new version of an existing form is added to the library, it automatically replaces the old one across the system. If an old version was saved in an agent’s Favorites, it will be automatically updated. This cuts down on version obsolescence, while maintaining an agent’s Favorites queue. (There are occasions when a client may request continued access to the old version of the form as well as the new one: in those instances, the older form remains in their Favorites queue and both versions are available to users.)
Efficiency, Accuracy, Competitive Edge
The Tinubu Bond Library is a strategic asset that directly impacts an agent’s bottom line and service quality.
- Unmatched Speed and Efficiency: Bonds that might have required hours of research and preparation can now be issued in minutes. This turbocharges productivity, especially for high-volume commercial lines, allowing agents to handle more business with the same resources.
- Dramatically Reduced Errors: By eliminating the manual hunt and minimizing data entry, the library systematically lowers the risk of errors that lead to rejections, rework, and client dissatisfaction.
- Compliance and Confidence: With automatic updates and carrier-approved forms, agents can issue bonds with the confidence that they are using the correct, compliant document.
The Bond Library is part of Tinubu’s broader mission to bring order, speed, and reliability to an industry that is often burdened by inefficient, unnecessarily complex manual workflows. The Tinubu Bond Library does more than organize forms—it empowers agents and brokers to swap the administrative maze for a clear, fast path to issuance, turning a traditional pain point into a competitive advantage.
