Every surety bond you might ever need
Nine categories, dozens of bond programs, and a specialty market for hard-to-place risks vs. bonds standard carriers decline. Pick the closest category below — or call Anthony and we'll route you in two minutes.
Every bond, grouped into nine categories
We organise the bond book into nine categories rather than a long alphabetical list. That's on purpose: obligees, obligations and underwriting patterns cluster by category, and picking the right category narrows the file to the right carrier faster than a search box ever would. Every bond ACS writes is a surety or fidelity bond — we do not sell insurance policies.
Under each category you'll find the specific bond programs we write most. If your bond doesn't appear by name, it almost always fits inside a category we've already written — call us with the obligee's bond form and we'll place it.
Not sure which category your bond belongs in?
Start with who is requiring the bond and what for. A public agency asking for a bond to license or permit a business is a license & permit file. A public project owner asking for a bond to guarantee construction work is a construction file. A state DMV, department of revenue, DOT or school district requiring a bond for a dealer, an IFTA operator, a title service or a student-transportation contract is a transportation file. A court asking for a bond so an executor can act is a court & fiduciary file. The DOL requiring a bond because a benefit plan handles participant money is an ERISA file. A franchise agreement or lender covenant requiring the business to be bonded against employee theft is an employee dishonesty file. A state statute requiring an officeholder to be bonded is a public official file. And anything the obligee has published a specific form for — customs, DMEPOS, lost stock certificate, cannabis license — lives in miscellaneous.
Bond categories we write
Each category page has the deeper breakdown, FAQ and a bond-specific quote form. Surety and fidelity bonds only — we do not sell insurance policies.
Construction Bonds
Performance, payment, bid, contractor compliance and subdivision bonds for public and private construction. We hold prime-credit markets for clean files and specialty markets for bad-credit performance — including bond-line setups that keep repeat contract work moving with no per-file re-underwriting.
- Performance & Payment Bonds
- Contract Surety Bonds
- Contractor Compliance Bonds
- Subdivision & Site Plan Bonds
Commercial Bonds
The regulated-operator category — BMC-84 freight-broker filings with FMCSA, waste-hauler permits, and union wage & welfare bonds for signatory contractors. Written for first-time filers and permanent bond lines alike. State DMV, IFTA, DOT and school-district files now live under Transportation Bonds.
- BMC-84 Bonds
- Waste Hauler Bonds
- Wage & Welfare Bonds
Transportation Bonds
State DMV, department-of-revenue, DOT and school-district transportation bonds. Includes a segregated School Bus Bonds program for bid + performance style student-transportation contracts, motor-vehicle dealer, IFTA / IRP fuel-tax, DMV title service and DOT permit bonds. Filed on each obligee's exact form.
- School Bus Bonds
- Motor-Vehicle Dealer Bonds
- IFTA / IRP Fuel-Tax Bonds
- DMV Title Service Bonds
License & Permit Bonds
Every state, county and municipality has its own bond forms for the businesses it licenses. Contractor license, professional license, sales-tax, motor-vehicle dealer, notary and municipal-permit bonds — filed on the exact form the obligee publishes.
- Contractor License Bonds
- Professional License Bonds
- Sales-Tax & Fuel-Tax Bonds
- Motor-Vehicle Dealer Bonds
Court & Fiduciary Bonds
Probate, executor, administrator, guardianship and conservatorship bonds for the surrogate courts. Judicial bonds — appeal, injunction, replevin, attachment, indemnity-to-sheriff — for civil litigation. Contested-estate specialty markets on standby.
- Probate Bonds
- Guardianship & Conservatorship
- Judicial / Court Bonds
ERISA Bonds
Section 412 fidelity bonds every qualified benefit plan must carry. Sized to the DOL's 10%-of-assets rule, with inflation-guard renewals so plan growth never pushes the coverage under the requirement at Form 5500 time.
- Standard ERISA Fidelity
- Non-Qualified Plan Fidelity
- Inflation-Guard Renewals
Employee Dishonesty Bonds
Commercial-crime and third-party fidelity coverage for businesses whose employees handle cash, client property or trust accounts. Business-service and janitorial fidelity written on the same platform to satisfy client contracts.
- Commercial Crime / Employee Theft
- Business Service Bonds
- Janitorial / Home-Service Fidelity
Public Official Bonds
Statutory bonds for elected and appointed officials — municipal treasurer, town clerk, tax collector, notary of official record and other positions of public trust. Filed to the enabling statute, in the exact wording each jurisdiction requires.
- Municipal Treasurer & Clerk
- Tax Collector Bonds
- Notary of Official Record
Miscellaneous Bonds
The specialty category — lost stock certificate, US Customs continuous bonds, Medicare DMEPOS, cannabis retail, H2A farm-labor, personal-care agency and the one-off bonds no obligee ever publishes twice.
- Lost Instrument Bonds
- Customs & DMEPOS
- Cannabis Operator Bonds
- Specialty / Hard-to-Place
Quick comparison — which category fits your file
Bidding a public project
Almost certainly a Construction file (bid + performance + payment bonds). If the project is a subdivision requiring municipal improvement, still under Construction but with subdivision-specific release mechanics.
Applying for a state license
Contractor board, sales-tax bureau, motor-vehicle dealer commission, professional board → License & Permit.
Filing with a court
Executor, administrator, guardian, appellant, injunction obligee → Court & Fiduciary.
Running a benefit plan
Any 401(k), pension, or welfare plan handling participant money → ERISA.
Franchise / lender / client contract
The requirement lands in a contract as "employee dishonesty coverage of $X" → Employee Dishonesty.
Elected or appointed to office
Statutory oath-of-office bond required by the enabling statute → Public Official.
Freight broker (federal)
FMCSA BMC-84 filing for freight brokers & freight forwarders → Commercial Bonds.
Motor-vehicle dealer / school-district transportation / IFTA
State-DMV motor-vehicle dealer, IFTA / IRP fuel-tax, DMV title service, DOT permit and school-district student-transportation contract bonds → Transportation Bonds.
Anything else specialty
Customs, DMEPOS, lost stock certificate, cannabis, H2A farm labor → Miscellaneous.
Not sure?
Send us the obligee's bond form or letter. We'll classify it and quote it, usually same-day.
A bond-only agency, by design
We don't sell insurance. We don't dabble. Every file that crosses our desk is a surety file — which is why we know which underwriter wants it.
A-Rated, T-Listed Carriers
Every bond we place is written by an A-rated, US-Treasury-listed surety — accepted on federal, state and municipal obligations.
Standard & Specialty Markets
Standard carriers for clean files; specialty and hard-to-place markets for bad credit, distressed financials or contested matters.
Real Underwriter Relationships
Two decades of relationships mean our submissions land with people who know our book — not a faceless intake portal.
Customized, Competitive Pricing
We price each program to the risk and the relationship — including bond-line setups that make every future request faster.
Frequently asked questions
Good to knowThe category-level questions we hear most before a file crosses categories.
No. If you have the obligee's bond form or a description of what you need, send it; we'll place it in the right category and quote it. The categories exist to help you self-serve, not to slow you down.
Yes — often. A contractor might carry a license bond (License & Permit), a bond line for performance bonds (Construction), and an employee-dishonesty policy (Employee Dishonesty) on the same book of business. We manage all of them from one file.
Effectively yes. Each category lists the specific programs we file most; anything unusual inside a category still routes to a carrier with appetite for it. If it truly can't be placed, we'll say so up front rather than dragging out the shop.
Anywhere the obligee has published a specific bond form that doesn't fit the other eight categories. Customs, DMEPOS, lost instrument, cannabis, H2A — that's the specialty desk's remit.
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.