American Contractors Indemnity Company: Everything you need to know

What is American Contractors Indemnity Company?

American Contractors Indemnity Company, commonly known as ACIC,  is a specialty insurance company that provides surety bonds and general liability insurance to businesses in the construction industry.

They are experts on what to do in case of any unexpected accidents, so your company will be covered.

They offer a variety of surety bonds, such as contractor license bonds, court bonds, subdivision bonds, and miscellaneous bonds.

American Contractors Indemnity Company also provides this same protection for architects, engineers, surveyors, and general contractors in cases where someone might be injured due to faulty design or construction plans.

They are rated A++ (Superior) by AM Best, a credit rating agency that evaluates insurance companies‘ financial strength and performance.

They are a subsidiary of HCC Surety, a leading provider of surety bonds in the United States. Their headquarters are located in Los Angeles, California.

Who needs American Contractors Indemnity Company


American Contractors Indemnity Company primarily serves contractors who engage in various construction or renovation projects.

This may include general contractors, subcontractors, specialty contractors, or independent contractors.

Construction Professionals

In addition to contractors, the company also caters to other construction professionals such as architects, engineers, project managers, and design-build firms.

Businesses with Contractual Obligations

Any business that regularly enters into contracts with clients or partners may benefit from American Contractors Indemnity Company.

This ensures that they have the necessary coverage and financial protection in case of contractual disputes or liabilities.

Companies seeking bonding solutions

The company offers surety bonds that guarantee performance or payment to clients.

Therefore, businesses requiring bonding for projects or contracts may find value in their services.

Project Owners or Developers

Those investing in construction projects may require contractors to hold certain types of insurance coverage, such as general liability or workers’ compensation.

American Contractors Indemnity Company can provide the necessary coverage to fulfill these requirements.

How do I get an ACIC (American Contractors Indemnity Company ) bond?

An ACIC bond is a type of surety bond that is issued by the Company (ACIC), a subsidiary of HCC Surety, a leading provider of surety bonds in the United States.

A surety bond is a contract between three parties: the principal (the person or business that needs the bond), the obligee (the entity that requires the bond), and the surety (the company that guarantees the bond).

A surety bond ensures that the principal will fulfill their obligations to the obligee, and if they fail to do so, the surety will pay the obligee for any losses or damages.

To get an ACIC bond, you need to do the following 

  • Determine what type of bond you need. ACIC offers a variety of surety bonds, such as contractor license bonds, court bonds, subdivision bonds, and miscellaneous bonds.

Each type of bond has different requirements and costs depending on the state and industry you are in.

Find an authorized ACIC agent near you.

Use the agent locator on their website to find an agent in your area.

You can also call them at 1-800-488-2242 or email them at to get more information.

  • Complete an application form and provide any supporting documents. The agent will help you fill out the application form and submit it to ACIC for approval.

You may need to provide some documents, such as financial statements, credit reports, business licenses, or references, depending on the type of bond you need.

  • Pay the premium and receive your bond. Once your application is approved, you will need to pay the premium, which is a percentage of the bond amount.

The premium rate varies depending on your credit score, financial history, and risk level.

After you pay the premium, you will receive your bond certificate from ACIC.

You should keep this certificate in a safe place and show it to the obligee when needed.

American Contractors Indemnity Company address

801 South Figueroa Street
Suite 1600
Los Angeles, CA 90017



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