Reducing Rework: Tinubu’s Approach to Streamlining Surety Bond Sales

Recent research shows that a large share of Surety submissions from brokers end up being sent back for rework. For brokers, that means frustration and wasted time. For carriers, it represents an opportunity: those who help brokers cut down on rework quickly become more attractive partners.

Tinubu addresses the problem head-on. With intelligent automation, streamlined workflows, self-service portals, and built-in compliance, our platform reduces the need for rework—for all Surety participants. Here’s how.

Automated Bond Issuance: Reducing Human Error in Underwriting

With Tinubu, carriers can issue Surety bonds automatically—no manual intervention required. Pre-configured underwriting rules (like credit score thresholds or business credentials) determine eligibility, and when criteria are met, the bond is issued instantly.

By automating repetitive, error-prone tasks, carriers reduce rework, cut costs, and free underwriters to focus on higher-value cases. Faster issuance also makes carriers more attractive to brokers, who value speed and reliability in the bonding process.

Direct-to-Principal Bonds: Putting Data Entry in the Right Hands

One of the biggest sources of application errors comes from miscommunication during the back-and-forth between agents, brokers, and principals. Tinubu’s direct-to-principal solution solves this by letting principals enter their own information directly into an agent-branded, self-service portal.

By cutting out redundant data transcription, carriers reduce errors, avoid rework, and save brokers and agents hours of manual entry. The result: faster submissions, fewer frustrations, and stronger broker loyalty toward carriers that offer the service.

As one Surety automation leader at a fast-growing carrier put it, “The direct-to-principal option was a game-changer—it let us scale distribution without adding operational burden.”

Auto Population and Field Enforcement: Preventing Errors Before They Happen

In the Tinubu platform, client data auto-populates based on stored profiles. This reduces data entry errors: once the correct information is in the system, it stays correct. The system also includes mandatory field enforcement and auto-validation, which flag missing or incorrect information before submission. Agents using Tinubu have reported a 98% reduction in document rejections compared to manual processes. 

The Right Form Every Time and Built-In Compliance

One frustrating source of rework happens when a broker enters all information correctly… on the wrong version of the right form. It’s easily done: bond forms are updated all the time, and if a broker hasn’t issued, say, a plumber’s license in a particular county recently, they may not know the form has been updated. Tinubu’s industry-leading Bond Library, helps users avoid this problem. 

The library contains a wide variety of bond forms, stored as editable PDFs—including the same form posted under multiple SAA codes—and the forms are constantly updated. Users can make sure they’re working with the correct version of the correct form, ensuring compliance. They can find the form quickly. The result: bonds issued in minutes, and only issued once: no rework required.