Most carriers and brokers are managing a $9 trillion market on home-grown systems, spreadsheets, and manual processes. As the market grows toward $28.77B by 2027, the gap between what legacy tools can do and what the business demands keeps widening. There is no comprehensive, purpose-built SaaS solution serving the industry. Artemis is built to fill that gap.
14.4%
Average loss ratio across all surety carriers — a metric that purpose-built underwriting tools are designed to improve.
No SaaS
No comprehensive SaaS platform currently serves the surety market at scale. Most players rely on home-grown applications with no scalable upgrade path.
Global
The surety market has genuine international demand. Existing tools rarely support multi-jurisdiction operations out of the box.
Bond executed
Principal & obligee signed
Legacy system
Manual entry required
4 systems, no single record
Principal relationship
Tracked in Artemis
Surety relationships deserve a system built for the way they actually work
$28.77B
Projected market revenue by 2027
263
Certified carriers with no modern platform
The Platform
One Platform. The Full Surety Lifecycle.
Artemis covers every stage of surety operations, from underwriting and risk assessment through bond issuance, workflow routing, distribution, claims, and compliance reporting. It is built for the structural complexity of surety: the bond types, the principal relationships, the obligee requirements, and the multi-party distribution model. Nothing is bolted on from a generic insurance stack.
As a SaaS solution, Artemis removes the infrastructure overhead of home-grown platforms, so your team can focus on decisions, not maintenance. Built on cloud infrastructure with enterprise-grade security, it scales with your book without an IT project every time you add a product or territory.
Contract
Construction Bonds
Full lifecycle for bid, performance, and payment bonds
Commercial
License & Permit
Compliance and state licensing bonds for businesses
Fidelity
Employee Protection
Coverage against dishonesty, fraud, and unauthorised acts
Every feature in Artemis reflects a real operational requirement, not a generic insurance workflow repurposed for surety. Below are the core capabilities that differentiate the platform.
Underwriting & Risk Intelligence
Configurable risk scoring and decision rules support both assisted and automated approvals. Underwriters get structured data at point of decision, reducing loss ratios without slowing throughput. Rules can be updated by your team without a developer.
Bond Lifecycle Management
Every bond, from application through issuance, renewal, endorsement, cancellation, and expiry, all managed in a single system. Principal relationships, job accounts, and WIP financials roll up automatically.
Workflow Automation
Highly configurable business rules route applications, enforce process steps, flag exceptions, and trigger notifications automatically. Every step is logged for audit purposes.
Distribution Network
Multi-party distribution gives carriers, brokers, agents, and MGAs role-appropriate access to the accounts and bonds they are responsible for. No data silos, no duplicate records.
Analytics & Compliance
Real-time dashboards and customisable reports give underwriters, compliance teams, and leadership a shared view of bond performance, financial exposure, and regulatory status.
Platform & Security
Cloud-hosted infrastructure with enterprise-grade encryption, granular role-based access control, and a full audit trail for all platform activity. Scales as your book grows.
Solutions
Built For Everyone Who Touches a Surety Bond.
Artemis is designed around the real workflows of every participant in the surety market, not a one-size-fits-all product that leaves half your team underserved.
For Carriers
Carriers & Insurers
Underwrite smarter, issue faster, and manage your entire book in one place, with controls built for carrier-grade volume and compliance requirements. Artemis gives your underwriting team structured data at every decision point, while automating the routine so they focus on judgment calls that matter.
Automated and assisted underwriting decision engine with configurable risk scoring
Full bond lifecycle from application to expiry in a single system
Account and job management with WIP financial roll-up
Real-time portfolio analytics and compliance dashboards
Enterprise access controls, audit trail, and role-based permissions
For Brokers & Agents
Brokers & Agents
Submit, track, and service bonds without chasing down carriers or juggling disconnected systems. Artemis connects you directly into carrier underwriting workflows so you get faster answers, cleaner status visibility, and more time for your clients instead of administration.
Bond application submission and real-time status tracking
Direct connectivity into carrier underwriting workflows
Client and account management consolidated in one dashboard
Automated alerts for renewals, expiries, and required actions
Role-based access: see only what is relevant to your book
For MGAs
MGAs
Operate with carrier-grade tooling without the carrier-grade overhead. Artemis gives you the infrastructure to grow your book and manage your agency network without scaling your headcount to match. Configurable underwriting authority means you stay in control of what gets auto-issued and what escalates.
Configurable underwriting authority limits and risk scoring rules
Automated bond issuance within defined parameters
Distribution management across your full agency network
Performance and exposure reporting for capacity partners
Cloud infrastructure with no on-premise requirement
Bond Types
Artemis Supports the Full Spectrum of Surety Bonds.
Contract / Construction
Contract & Construction Bonds
A surety bond is a legal document guaranteeing the completion of a contract, requiring the performing party to pay a specified amount to the bond company if they fail to deliver. Artemis manages the full lifecycle of contract bonds, from bid bond through performance and payment, with obligee tracking and claim adjudication built in.
Typically purchased by companies or working professionals to comply with state licensing and permit regulations. Artemis handles the high-volume, lower-complexity nature of commercial bonds, with automation that lets small-to-mid-size accounts be processed without manual underwriter intervention.
License BondsPermit BondsBusiness Service BondsTax & Customs Bonds
Fidelity
Fidelity Bonds
Fidelity bonds protect businesses and their customers against specific financial losses caused by employee acts or third-party actions. Artemis supports the distinct underwriting logic for each fidelity sub-type, tracking coverage, exclusions, and claims separately from other bond classes.
Court bonds cover judicial and fiduciary obligations required by courts to limit losses from rulings, or of individuals appointed to care for others' assets. Artemis manages the compliance-sensitive workflows of court bonds, including fiduciary bonds, probate bonds, and appeal bonds, with the audit trails courts require.
Most platforms in this space are generic insurance tools stretched to cover surety, or home-grown systems that served a purpose but cannot scale. Artemis was designed around how surety actually works. Click any step below to explore.
Surety-Native Data Model
Full Lifecycle One System
Designed To Scale
Multi-Jurisdiction Readiness
SaaS Delivery
See Artemis In Action.
We are speaking with carriers, brokers, and MGAs who are ready to move beyond home-grown systems. If that is you, let us show you the platform.
