Companies increasingly use surety programmes to:

• Preserve bank credit lines
• Increase guarantee capacity
• Improve liquidity management
• Support business growth
• Diversify sources of guarantees
• Reduce dependency on banking facilities
• Optimise working capital
• Create additional financial flexibility
• Cost optimization

For many organisations, surety capacity has become a strategic treasury tool rather than simply a contractual requirement.

Kai Stötzel is Head of Surety at Malakut Insurance Brokers and specializes in the structuring, placement, and optimization of surety and guarantee solutions for corporate clients across a wide range of industries.
He advises companies on how to preserve liquidity, increase financial flexibility, and optimize their security structures through the strategic use of surety solutions. Working closely with CFOs, treasury teams, private equity investors, banks, and legal advisors, Kai helps clients navigate both routine bonding requirements and highly complex transactions.

Kai supports clients in the design and implementation of surety programs, including:

• Performance Bonds
• Advance Payment Bonds
• Warranty and Maintenance Bonds
• Bid Bonds
• Rental and Customs Bonds
• Energy, Infrastructure, and Industrial Project Bonds
• International Surety Programs

Whether establishing a new facility or optimizing an existing program, his focus is on creating efficient and scalable solutions that align with each client's operational and financial objectives.

Beyond traditional surety placements, Kai advises clients on using the surety market as a strategic financing and risk management tool. This includes helping organizations:

• Release valuable bank credit lines
• Improve working capital efficiency
• Diversify sources of guarantee capacity
• Enhance financial flexibility
• Reduce reliance on traditional banking facilities

Kai has extensive experience supporting clients in situations where standard market solutions are insufficient and bespoke structures are required.
His expertise includes:

Mergers & Acquisitions (M&A)

• Replacement and restructuring of guarantee facilities during acquisitions
• Post-closing surety arrangements
• Carve-outs and corporate separations
• Transition structures between banking and insurance markets

Restructurings & Special Situations

• Alternative security structures
• Stabilization of bonding capacity during challenging business situations
• Refinancing and restructuring support
• Negotiation of complex risk placements with insurers

Syndicated Surety Facilities

• Multi-carrier and syndicated surety programs
• Large-scale bonding facilities
• International placements for major infrastructure and industrial projects
• Tailored capacity solutions for large and multinational organizations

Kai is particularly recognized for developing innovative and highly customized solutions for complex and non-standard situations. By combining deep surety market expertise with a strong understanding of corporate finance and risk transfer, he helps clients structure solutions that go beyond traditional market approaches.

His objective is not simply to place surety bonds, but to act as a trusted advisor who enables clients to achieve their broader financial, operational, and strategic goals through effective security and guarantee structures.