Specialty Brokerage · CONSTRUCTION SURETY

Contractor Bonds for Commercial Contractors at$1M+

For established contractors bidding work that requires a bond, the right surety program does more than get one bond issued. UCI helps you secure the bid, performance, and payment bonds your contracts call for, and works to grow how much work you can bond as your business takes on larger projects.

WRITTEN PREMIUMS

$ 0 M+

LICENSED STATES

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CPCU · CRIS

Credentialed Advisors

What We Do

Contractor Bonds Matched to the Work You Are Bidding

As your projects get larger and more of your work goes out for public or owner-required bids, the contracts in front of you start to require bonds: a bid bond to compete, a performance bond and a payment bond to win and hold the job. At the same time, the surety backing those bonds will only guarantee so much work at once, which can quietly cap how much you are able to take on.

We help established contractors meet those bond requirements and work to grow that capacity over time, so the next bigger contract is one you can actually bid.

Our Approach

A Better Process for Designing Your Bonding Program

Our four-step process sets your bonding program against the contracts you are bidding, the financials a surety will review, and the size of the work you want to pursue.

The result is more than a single bond. It is a surety relationship designed to expand with your business.

Discovery

Understand the bonds your contracts require and the capacity you have today

UCI reviews the bonds your active and target contracts call for, your current bonding line and how much of it is already committed, and the financials a surety looks at. This shows where your capacity falls short of the work you want to bid.

Design

Shape a surety program to match your work and your growth

We use what we learn in discovery to match you with sureties suited to your size, trade, and the kind of work you bid, and to present your business in a way designed to support a larger bonding line over time, rather than a one-off bond that does not grow with you.

Placement

Arrange bonding with sureties suited to your work

Once the approach is clear, UCI brings your account to sureties experienced in contractor surety and the type of bonds your contracts require. The aim is a bonding relationship that issues the bid, performance, and payment bonds you need and has room to grow as you take on more.

Stewardship

Keep your bonding capacity growing as you take on more

UCI stays involved after the program is set up, handling bid, performance, and payment bond requests through the year, supporting renewals of your bonding line, and working with the surety as your financials and backlog change so your capacity can keep pace with the work ahead.

Coverage Depth

Surety Bonds for Larger Construction Risks

Bonds matter most when a contract will not let you bid or win the job without them, and when the size of your work depends on how much a surety will guarantee. UCI helps you meet those requirements and works to keep capacity available as your projects grow.

Qualify to Bid With Bid Bonds

Public agencies and many large private owners require a bid bond before they will accept your bid. It tells them that if you win, you will sign the contract and provide the required performance and payment bonds. UCI helps you obtain the bid bonds you need so you can compete for the work, rather than watching it go out to bid without you.

Meet Performance and Payment Bond Requirements

A performance bond gives the owner assurance that you will complete the job as contracted. A payment bond gives your subcontractors and suppliers assurance that they will be paid. Most public work and many large private contracts require both before they award the job. UCI helps you meet those requirements so a missing bond is less likely to stand between you and the award.

Grow How Much Work You Can Bond

Sureties set a limit on how much work they will guarantee for you at one time, and that limit shapes how much you can take on. UCI works to present your financials, experience, and track record in a way designed to support a larger bonding line as your business grows.

Cover Obligations That Continue After You Finish

Some contracts require a maintenance or warranty bond that guarantees your work for a set period after the project is complete. UCI reviews those requirements so the bonds you carry account for obligations that can outlast the job itself.

Manage Bonding Across Several Active Jobs

When you have multiple bonded projects running at once, your bonding line has to stretch across all of them. UCI helps coordinate single-project and total limits so capacity stays available for the next award rather than getting tied up in work already underway.

The Team

Meet Your Contractor Bonds Advisors

When you call UCI, you reach a senior advisor by name, not a routing queue. These are the people who will handle your engagement.

Ryan Munoz

CRIS · MBA · Licensed P&C Agent

Senior advisor on large, complex contractor accounts with detailed insurance requirements built into their contracts. Manages a book exceeding $6M in premium.

Joe Grebenstein

CRIS · B.L.A.S., Arizona State

Commercial insurance specialist focused on construction and contractor risk. Works extensively with large, complex contractor accounts across multi-state operations.

Joe Hennessey

Licensed P&C Broker · Construction Specialist

Years of experience working with hard-to-place construction trades and niche contractor operations on high-stakes commercial projects.

Shawn Jason

Property and Casualty Licensed · CRIS Certified

Extensive experience supporting contractors with customized insurance programs, risk strategies, and coverage solutions for complex construction operations.

Client Voice

Why Contractors Choose UCI for Contractor Bonds

“Miami Roofing Solutions has had an excellent experience working with Affordable Contractors Inc. for our General Liability coverage. Their team provides outstanding service, quick response times, and competitive pricing tailored to contractors in the construction industry. They are professional, knowledgeable, reliable, and make the insurance process smooth and efficient. We highly recommend Affordable Contractors Inc. to any contractor or business looking for a dependable insurance agent who understands the industry and delivers great value.”

“Dennis V was absolutely the greatest. He listened to our needs and got us the coverage we needed in a timely fashion. He was super knowledgeable, professional, and extremely nice as well as accommodating. I would highly recommend him to anyone in need of commercial business insurance.”

“Quick response and follow up call to discuss my needs. The estimate came fast and included options to limit my exposure beyond a standard policy. I shopped around but came back to ACI because of their knowledge, guidance and my general ease of understanding what I was getting. Joelle was great to work with. My new liability policy will grow with my business and keep me protected!”

“This was my first time searching for this type of insurance, and Joe made the process simple and informative. He understood what I needed, clearly explained the different coverage options, and gave me the information I needed to make a confident decision. He was patient with my limited internet experience and walked me through each step until everything was complete. After 30 years in construction, this was by far one of the most helpful and easy-to-understand insurance conversations I've had. I will definitely recommend Affordable Contractors Insurance to other contractors.”

“They made it easy to get the specialty coverages I needed. So many others struggled to get me what was required and they knew what was needed and how to handle it. Amazing group and they got me up and running fast for way less than I was quoted elsewhere.”

*UCI is a division of Affordable Contractors Insurance (ACI)

Start the Conversation

Request a Contractor Bonds Risk Review

A risk review is a discovery call with a senior insurance advisor to talk through your business, the bonds your contracts require, and the bonding capacity you have today. After the call, we will put together an analysis you can use to make informed decisions about your surety program.

Who We Serve

Contractor Bonds for Specific Contractor Types

UCI works with commercial contractors and project owners who carry bonding requirements across multi-state operations, contract-heavy engagements, and larger projects. The contractor types most often engaged with UCI include:

Commercial General Contractors

Bidding public and large private work that requires bid, performance, and payment bonds.

Design-Build and EPC Firms

Single-source delivery where one entity carries the bonding for the entire project.

Large Builders and Developers

Multi-phase work where each new project adds to the bonding line the next contract requires.

Mechanical and Electrical Contractors

Trades bonded on large commercial, institutional, and public projects.

Commercial Roofing Contractors

Bonded work across commercial, institutional, and industrial projects.

Restoration and Environmental

Bonded disaster-response and remediation work at scale.

Heavy Civil and Infrastructure

Public roadway, bridge, utility, and large site work that almost always requires bonding.

Specialty Trade Contractors

High-hazard trades that need bonding to qualify for larger commercial and public contracts.

FAQ

Common Questions About Contractor Bonds

What Is the Difference Between a Surety Bond and Insurance?

UCI starts by reviewing how your general liability coverage fits the contracts, projects, certificates, and risks already in front of your business. Understanding what your coverage needs to support before comparing options ensures the best policy fit. That gives your team a clearer basis for deciding whether a policy fits the way your contracting business actually operates, not just whether the premium is competitive.

What Is the Difference Between Bid, Performance, and Payment Bonds?

A bid bond lets you compete for work that requires one and confirms you will take the contract if you win. A performance bond guarantees the owner that you will finish the job as agreed. A payment bond guarantees your subcontractors and suppliers that they will be paid. Many public and large private contracts require all three. UCI reviews which bonds your contracts call for so nothing required gets missed.

How Much Bonding Capacity Can My Business Get?

underway. There is no fixed number, and the limit can change as your business does. UCI works to present your business to sureties in a way designed to support the capacity your contracts require, and to help that line grow as you take on larger projects.

Do I Need Bonds if I Only Do Private Work?

Sometimes. Public work almost always requires bonds, but many private owners and lenders require them too, especially on larger projects. It comes down to what each contract calls for. UCI reviews your active and target contracts so you know which work will require a bond before you bid it.

Can UCI Help if We Have Been Turned Down for Bonding or Need a Larger Line?

Often, yes. A declined bond or a capacity ceiling usually comes down to how the business is presented to the surety and which surety is reviewing it. UCI is designed to help here: reviewing your financials and work history, matching you with sureties suited to your size and trade, and presenting your business in a way that supports the line you are after. Results depend on your circumstances, but starting the conversation costs you nothing.

When Should a Contractor Request a Risk Review Instead of Just Asking for a Bond?

A risk review makes sense when bonding has become more than a single transaction: when your contract requirements, project size, or several active bonded jobs make capacity itself the constraint. For established contractors, the question is not only whether one bond can be issued. It is whether your surety program can keep pace with the work you are bidding.

BEFORE YOUR NEXT BID

Bonding That Keeps Up With the Contracts You Are Bidding

As your projects grow, the bonds your contracts require grow with them, and the capacity that carried last year’s work may not cover what your largest contracts now demand. UCI helps established contractors and project owners review whether their bonding program still matches the work in front of them, and how to grow that capacity as the next contract gets bigger. A Risk Review with a UCI senior advisor is the first step.