Martin earned his B.A. degree in Economics at Gettysburg College and has 28 Years of surety bond industry experience. He provides contractors with the most competitive surety bond terms and programs available. Martin was formally trained in contract surety underwriting at Seaboard Surety Company in 1989 (acquired by USF&G/Travelers).
He has intricate knowledge of Pennsylvania’s construction market, trends, statutes, challenges, and competition in the industry.
Martin is experienced in construction/managerial accounting and credit analysis.
His strategy consistently makes surety bond companies an underwriting profit by bonding “the right contractors”. His commitment to quality bonds means he will not take unqualified contractors as a client, but he will offer guidance to help these contractors take the steps necessary to qualify for these bonds. He has one of the most stellar loss records in Eastern Pennsylvania.
Welcome to Oak Ridge Surety Agency!
We provide contractors with surety bond services as well as commercial insurance needs. We help our clients to obtain work and succeed by providing the most competitive surety bond programs and insurance programs available.
Oak Ridge Surety understands the needs of its customers and has built itself to be responsive, flexible and focused on satisfying the unique requirements for each of our clients. We currently provide surety solutions to various businesses, regardless of their size or circumstance. This explains our continued success and validates our potential for future growth.
We believe that relationships, the core of our business, are built through trust, open lines of communication, and genuine care for our customers. This philosophy, plus our flexibility and responsiveness have led to extensive relationships with our clients.
We currently serve customers all over Pennsylvania, New Jersey, and Delaware and are thrilled to be a part of the construction industry.
We make every effort to assist current and prospective clients achieve their goals. If you have any questions or comments, please don’t hesitate to contact us.
Principal Sales/Underwriting
“I treats “small fish” like “whales”, knowing that with the proper guidance, I can help companies grow and assist owners in an effort to achieve their goals.” – Martin J. Hellman

Martin J. Hellman
Oak Ridge Surety
Melissa Friel, CISR
Oak Ridge SuretySurety Bond/Commercial Insurance Producer
Melissa has over 17 years’ experience in the Commercial Property & Casualty Insurance industry, with experience in construction insurance as well as various other industries. She is responsible for account services including overall management and marketing. She also has extensive experience in the surety bonding industry. Prior to working at Oak Ridge Surety Agency she worked at Willis Towers Watson. While there she was responsible for managing and marketing a diverse book of property and casualty commercial insurance accounts.
Melissa currently holds her Property & Casualty Insurance License and a Certified Insurance Service Representative (CISR) designation. She resides in Glen Mills, PA with her Husband and son.

Martin J. Hellman
Oak Ridge SuretyPrincipal Sales/Underwriting
Martin earned his B.A. degree in Economics at Gettysburg College and has 28 Years of surety bond industry experience. He provides contractors with the most competitive surety bond terms and programs available. Martin was formally trained in contract surety underwriting at Seaboard Surety Company in 1989 (acquired by USF&G/Travelers).
He has intricate knowledge of Pennsylvania’s construction market, trends, statutes, challenges, and competition in the industry.
Martin is experienced in construction/managerial accounting and credit analysis.
His strategy consistently makes surety bond companies an underwriting profit by bonding “the right contractors”. His commitment to quality bonds means he will not take unqualified contractors as a client, but he will offer guidance to help these contractors take the steps necessary to qualify for these bonds. He has one of the most stellar loss records in Eastern Pennsylvania.
“I treat “small fish” like “whales”, knowing that with the proper guidance, I can help companies grow and assist owners in an effort to achieve their goals.” – Martin J Hellman

Melissa Friel, CISR
Oak Ridge SuretyInsurance Producer
Melissa has over 15 years’ experience in the Commercial Property & Casualty Insurance industry, with experience in Construction insurance as well as various other industries. She is responsible for account services including overall management and marketing. Prior to working at Oak Ridge Surety Agency, Inc. she worked at Willis Towers Watson located in Radnor, PA. While there she was responsible for managing and marketing a diverse book of Property and Casualty accounts.
Melissa currently holds a Pennsylvania Property & Casualty Insurance License and a Certified Insurance Service Representative (CISR) designation. She resides in Glen Mills, PA with her Husband and son.