Knowledge Center

Colorado's Little Miller Act requires contractors on public construction projects over $50,000 to obtain performance and payment bonds. This guide translates the statute into plain English.

Getting bonded in Colorado follows a straightforward seven-step process. This guide covers every step, what documents you'll need, what to expect during underwriting, and how to handle bad credit or a new business.

Whether you need a surety bond depends on your profession, location, and type of work. This guide walks through which Colorado businesses need bonds, which might, and how to find out where you stand.

Most people assume they'll need to pay the full bond amount. They don't. What you actually pay is a premium, a small percentage of the bond's face value, typically 1-15% depending on your credit score.

You can get a surety bond with bad credit. Bad credit does not disqualify you from getting bonded. This guide walks through exactly how it affects your bond, what it will cost, and what options exist.

Getting licensed as a contractor in Fort Collins is more involved than most people expect. The city requires specific bonds, minimum insurance coverage, application paperwork through Building Services, and fees that vary by trade.

If you're reading this, there's a good chance you just got a renewal notice in the mail, or worse, you're realizing your bond may have already lapsed. Either way, you're in the right place.

Insurance protects you. A surety bond protects everyone else. That one-sentence distinction drives everything, from how claims work to who pays when something goes wrong.

You've seen the phrase a thousand times: "Licensed, bonded, and insured." Each of those three words represents a completely different form of protection, and this guide breaks down exactly what each one means.

Colorado requires a $50,000 surety bond before you can legally sell vehicles, whether you're opening a used car lot, a franchise dealership, or a wholesale operation. No bond, no license.

Fort Collins has some of the strictest surety bond requirements of any city in Colorado, and most national bonding websites only scratch the surface. This guide covers all seven bond categories with municipal code citations.

If someone just told you that you need a surety bond, your first question is probably "who pays for this?" The answer is straightforward, and once you understand how the payment works, everything else falls into place.