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    <loc>https://acsbonding.com/</loc>
    <lastmod>2026-07-21</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
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  <url>
    <loc>https://acsbonding.com/about/</loc>
    <lastmod>2026-07-21</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://acsbonding.com/common-bond-questions/</loc>
    <lastmod>2026-07-21</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://acsbonding.com/contact/</loc>
    <lastmod>2026-07-21</lastmod>
    <changefreq>weekly</changefreq>
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  <url>
    <loc>https://acsbonding.com/resource-hub/</loc>
    <lastmod>2026-07-21</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://acsbonding.com/services/</loc>
    <lastmod>2026-07-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <!-- What We Write hub -->
  <url>
    <loc>https://acsbonding.com/products/</loc>
    <lastmod>2026-07-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Umbrella: Construction Bonds -->
  <url>
    <loc>https://acsbonding.com/products/construction-bonds/</loc>
    <lastmod>2026-07-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://acsbonding.com/products/construction-bonds/performance-bonds/</loc>
    <lastmod>2026-07-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://acsbonding.com/products/construction-bonds/contract-surety-bonds/</loc>
    <lastmod>2026-07-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://acsbonding.com/products/construction-bonds/contractor-compliance-bonds/</loc>
    <lastmod>2026-07-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://acsbonding.com/products/construction-bonds/subdivision-and-site-plan-bonds/</loc>
    <lastmod>2026-07-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Umbrella: Commercial Bonds (trimmed — L&P and Transportation split into their own top-levels) -->
  <url>
    <loc>https://acsbonding.com/products/commercial-and-license-bonds/</loc>
    <lastmod>2026-07-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://acsbonding.com/products/commercial-and-license-bonds/bmc-84-bonds/</loc>
    <lastmod>2026-07-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://acsbonding.com/products/commercial-and-license-bonds/waste-hauler-bonds/</loc>
    <lastmod>2026-07-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://acsbonding.com/products/commercial-and-license-bonds/wage-and-welfare-bonds/</loc>
    <lastmod>2026-07-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Umbrella: Transportation Bonds (NEW top-level — motor-vehicle dealer, IFTA, DMV, DOT, school bus) -->
  <url>
    <loc>https://acsbonding.com/products/transportation-bonds/</loc>
    <lastmod>2026-07-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://acsbonding.com/products/transportation-bonds/school-bus-bonds/</loc>
    <lastmod>2026-07-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Umbrella: License &amp; Permit Bonds (NEW top-level) -->
  <url>
    <loc>https://acsbonding.com/products/license-and-permit-bonds/</loc>
    <lastmod>2026-07-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Umbrella: Court &amp; Fiduciary Bonds -->
  <url>
    <loc>https://acsbonding.com/products/court-and-fiduciary-bonds/</loc>
    <lastmod>2026-07-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://acsbonding.com/products/court-and-fiduciary-bonds/probate-bonds/</loc>
    <lastmod>2026-07-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://acsbonding.com/products/court-and-fiduciary-bonds/court-bonds/</loc>
    <lastmod>2026-07-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Umbrella: ERISA Bonds (NEW top-level) -->
  <url>
    <loc>https://acsbonding.com/products/erisa-bonds/</loc>
    <lastmod>2026-07-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Umbrella: Employee Dishonesty Bonds (NEW top-level) -->
  <url>
    <loc>https://acsbonding.com/products/employee-dishonesty-bonds/</loc>
    <lastmod>2026-07-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Umbrella: Public Official Bonds (NEW top-level) -->
  <url>
    <loc>https://acsbonding.com/products/public-official-bonds/</loc>
    <lastmod>2026-07-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Umbrella: Miscellaneous Bonds (NEW top-level) -->
  <url>
    <loc>https://acsbonding.com/products/miscellaneous-bonds/</loc>
    <lastmod>2026-07-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Legacy nested sub-page: License &amp; Permit under Commercial — kept for existing inbound links; canonical is the new /products/license-and-permit-bonds/ top-level. -->
  <url>
    <loc>https://acsbonding.com/products/commercial-and-license-bonds/license-and-permit-bonds/</loc>
    <lastmod>2026-07-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <!-- Legacy nested sub-page: ERISA under Court &amp; Fiduciary — kept for existing inbound links; canonical is the new /products/erisa-bonds/ top-level. -->
  <url>
    <loc>https://acsbonding.com/products/court-and-fiduciary-bonds/erisa-bonds/</loc>
    <lastmod>2026-07-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <!-- Legacy nested sub-page: Transportation under Commercial — kept for existing inbound links; canonical is the new /products/transportation-bonds/ top-level. -->
  <url>
    <loc>https://acsbonding.com/products/commercial-and-license-bonds/transportation-bonds/</loc>
    <lastmod>2026-07-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>

  <!-- Who We Serve hub + audience pages -->
  <url>
    <loc>https://acsbonding.com/industries/</loc>
    <lastmod>2026-07-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://acsbonding.com/industries/contractors/</loc>
    <lastmod>2026-07-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://acsbonding.com/industries/subdivision-developers/</loc>
    <lastmod>2026-07-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://acsbonding.com/industries/freight-brokers-and-forwarders/</loc>
    <lastmod>2026-07-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://acsbonding.com/industries/waste-haulers/</loc>
    <lastmod>2026-07-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://acsbonding.com/industries/erisa-plan-sponsors/</loc>
    <lastmod>2026-07-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://acsbonding.com/industries/estates-and-guardianships/</loc>
    <lastmod>2026-07-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
</urlset>
