Bonding and Insurance Compliance Services

Fast-track contractor insurance, and bonding solutions

Engineer and construction worker shaking hands.

Specialized Solutions for Contractors

American Contractor Insurance and Bonds Hayden & Hayden Agency delivers specialized consulting solutions designed to meet the unique surety needs of construction companies and contractors. Our core offerings encompass essential services, including bonding and Insurance..

Licensing Your Success

Navigating Arizona's contractor licensing requirements can be daunting. We streamline the entire journey with our specialized, computer-based system.

The Path to an Arizona Contractor License

  • Arizona Law Requires It: All construction professionals in Arizona need a current, active license to operate legally.

  • Your Dedicated Partner: We fill out and process all necessary applications, coordinating directly with the Arizona Department of Revenue, Corporation Commission, Secretary of State, IRS, and Registrar of Contractors. We even hand-deliver applications for efficiency.

Key Steps We Manage

  • Work Experience Verification: The Arizona Registrar of Contractors (ROC) requires 2-4 years of full-time, journeyman-level experience. We help ensure your history is accurately documented.

  • Study & Testing Preparation:

    • Business Management Exam: All contractors must pass this test. Our flexible, computer-based review course, available in-office or online, ensures you're ready.
    • Trade Tests: Many licenses require a trade-specific exam. Our unique, all-inclusive preparation courses mean no books to buy! Use our extensive library in-office or even check out books for your exam.
    • Important Note: Passing exams is just one part of the process; the license is not active until all needs are met.

  • Company Setup & Application:

    • Arizona licenses are issued to your company, not an individual.
    • We expertly set up your sole proprietorship, partnership, LLC, or corporation, saving you time and money and simplifying your licensing journey.

License Classifications

We guide you through all categories, ensuring you apply for the correct license for your specialized services.

  • Commercial Engineering Contracting (e.g., General Engineering, Excavating, Swimming Pools, Electrical & Transmission)

  • General Commercial Contracting (e.g., General Commercial, General Small Commercial)

  • General Residential Contracting (e.g., General Residential, Remodeling, Swimming Pool)

  • Specialty Commercial Contracting (e.g., Electrical, Plumbing, HVAC, Roofing, Masonry, Painting)

  • Specialty Dual License Contracting (combining Commercial & Residential specialties)

  • General Dual Engineering Contracting (combining Engineering specialties)

  • General Dual License Contracting (combining General Commercial & Residential)

  • Specialty Residential Contracting (e.g., Residential Electrical, Plumbing, HVAC, Roofing)

Bonds' Instant Protection

Secure essential contractor bonds effortlessly with American Contractor Insurance and Bonds. Our "Instant Issue" process means quick protection for your business.

Contractor License Bonds

  • Instant Issue: Get your bond the same day you pay.

  • No Qualifications or Underwriting: Skip the complexities.

  • No Credit Check: Your credit history won't affect your price, and applying won't harm your score. Our prices often beat competitors' "perfect credit" rates!

License Bond Coverage

  • Commercial General: Bonds from $5,000 to $25,000 based on sales volume.

  • Commercial Specialty: Bonds from $5,000 to $17,500 based on sales volume.

  • Residential General: Bonds from $9,000 to $15,000 based on sales volume.

  • Residential Specialty: Bonds from $4,250 to $7,500 based on sales volume.

For sales volumes over $1 million, please call us directly for pricing. Bonds are typically mailed within 24 hours, with immediate pickup available at our Phoenix office.

Taxpayer Bonds

For prime contractors and new projects, the Arizona Department of Revenue often requires a taxpayer bond to obtain a Transaction Privilege Tax (TPT) license. We make securing this bond fast, simple, and inexpensive.

  • Common Taxpayer Bond Amounts: From $2,000 to $17,000, with competitive 2-year premiums.

Most bonds can be issued immediately, with high-value tax bonds having very quick approval times.

Other Essential Bonds

We also provide a wide range of other bonds crucial for your operations:

  • Contract Bonds (Bid/Performance)
  • Notary Bonds
  • Lost Title/DMV Bonds
  • Dealership Bonds
  • Business Service Bonds
  • Employee Dishonesty Bonds
  • Utility Bonds (SRP, APS)
  • Brewers Bonds

Insurance to Protect Your Business

Safeguard your construction business with specialized insurance solutions from American Contractor Insurance and Bonds. We connect you with carriers who understand the unique risks of the construction industry, ensuring optimal coverage at competitive rates.

Buildings and shield with checkmark, wooden surface.

Coverage Options

  • General Liability: While not always mandatory for licensing, it's essential for client trust and often required by those you work for. We can quote and bind policies the same day.

    • Unlimited Additional Insured Certificates: Our policies include a "Blanket Additional Insured" endorsement, providing huge savings by eliminating per-certificate charges common elsewhere.

  • Workers' Compensation: Protect your team and comply with state regulations.

  • Commercial Auto: Coverage for your business vehicles.

  • Tool & Equipment Insurance: Protect your valuable assets from loss or damage.

Connect for Future Achievements

Get in touch with American Contractor Insurance and Bonds today to explore how our expertise can solidify your business operations and pave the way for future achievements.

Book a Consultation