Audience pages — self-identify and reach a quote form
If you already know the exact bond you need, use the What We Write categories. If you'd rather start from your role, use the audience pages below — each ends in the same quote form.
Six industries, one carrier list, one bond specialist
Every industry that carries a surety bond has its own filing rhythm — how the obligee sets the amount, what documents the carrier wants, how fast a clean file can issue. The pages below are written for each audience specifically: what bonds the industry actually needs, when in the project lifecycle it needs them, what a specialty market looks like when the standard carrier declines.
ACS bonds contractors from single-job sureties through permanent bond lines; subdivision developers through the municipal-improvement release cycle; freight brokers through FMCSA BMC-84 filings; waste haulers through municipal-permit and environmental-compliance requirements; ERISA plan sponsors through DOL Section 412 fidelity; executors, administrators and guardians through the surrogate-court appointment. Different files, same carrier list, same specialist reading every submission.
Pick your role
Each page has the industry-specific bond profile plus a quote form pre-selected to that bond type.
Contractors
Whether you're bidding your first public job or running a permanent bond line, a contractor's bond needs move by project stage: license bond up front, bid bond at tender, performance and payment on award, maintenance at close-out. We hold prime and specialty markets and set up bond lines so repeat work quotes same-day.
For contractors
Subdivision Developers
Municipal planning boards require improvement, subdivision and site-plan bonds tied to each phase of review. Bonds release as work is accepted; maintenance bonds run for one to two years after final acceptance. We calendar the release-cycle so your capital doesn't sit tied up longer than the ordinance requires.
For subdivision developers
Freight Brokers & Forwarders
FMCSA requires every property freight broker and freight forwarder to file a $75,000 BMC-84 bond as a condition of operating authority. We file the bond electronically, calendar the annual renewal to keep authority active, and hold specialty markets for post-claim and bad-credit files.
For freight brokers & forwarders
Waste Haulers
Every municipality writes its own waste-hauler and recycler permit bond form. Amounts range from a few thousand dollars for small collection routes to six figures for industrial and C&D operators. Specialty markets cover environmental-compliance and post-claim files that the standard market declines.
For waste haulers
ERISA Plan Sponsors
Section 412 of ERISA requires every benefit-plan fiduciary handling plan money to be bonded at 10% of assets (with a $500k / $1M cap). We size it correctly, file it against the plan and its named fiduciaries, and run inflation-guard renewals so plan growth never pushes the coverage under the requirement at Form 5500 time.
For ERISA plan sponsors
Estates & Guardianships
Surrogate courts require executors, administrators, guardians and conservators to post a bond before receiving letters of appointment. Bond amounts are set to the estate or ward's assets. Contested-estate specialty markets cover the files where standard carriers decline.
For estates & guardianshipsWhere the bonds fit in each industry's workflow
Contractors — a state contractor license bond up front, then bid bonds on tender, performance and payment on award, maintenance / warranty at close-out. Repeat contract work runs inside a bond line so each new job doesn't require a fresh underwrite.
Subdivision developers — bonds attach to the planning-board approval and release as the municipal engineer signs off on each phase of the site work. Improvement bonds cover the utilities, drainage and roads; site-plan bonds cover the on-site amenities; maintenance bonds run for the post-acceptance warranty period.
Freight brokers & forwarders — one federal BMC-84 filing that runs for the life of the operating authority. Renewal notice is 30 days out; a lapse costs authority.
Waste haulers — separate permit bonds for each municipal service contract. Amounts differ by county and by waste stream; industrial and C&D operators post the largest bonds.
ERISA plan sponsors — one fidelity bond per plan, renewed annually against the plan's asset total on the previous Form 5500. Multi-employer plans and plans holding employer securities carry higher limits.
Estates & guardianships — a probate bond up front, sometimes an inventory-increase rider mid-administration, sometimes a closing rider on distribution. Guardianship bonds renew annually while the ward is under the court's supervision.
Tell us about your bond — we'll quote it within a business day
Whether you need a one-time license bond or a permanent bond line for repeat contract work, we'll route your file to the carrier most likely to approve it cleanly. Anthony Spina personally reviews every new submission.
- 201-661-2381 — Anthony Spina, direct line
- aspina@acsbonding.com — for obligee letters and court orders
- 1200 MacArthur Blvd., Suite 302A, Mahwah, NJ 07430
Request received!
Anthony will be in touch shortly. For an urgent filing, call 201-661-2381.