Livingston Reporting

Construction Bonds vs. Insurance (and Letters of Credit): What Contractors Need to Know

In the construction industry, risk is part of every project. From fires and theft to contractors failing to deliver on their commitments, unexpected challenges can threaten budgets, timelines, and relationships. To manage these risks, project owners and contractors often turn to two tools: insurance and surety bonds. While they may sound similar, they serve very different purposes—and understanding the difference can make or break your project’s financial stability.

How Insurance Works in Construction

Insurance policies are designed to protect the policyholder—usually the contractor or project owner—against unexpected losses. A few examples include:

  • Builder’s risk insurance covers damages if a fire destroys a structure mid-construction.
  • Inland marine insurance reimburses for stolen equipment, such as a bulldozer taken from a job site.
  • Liability insurance pays claims if an employee is injured while on the job.

In each case, the policyholder pays premiums and receives financial compensation if a covered loss occurs. Insurance ensures that unforeseen events don’t derail a project completely.

How Construction Bonds Are Different

Surety bonds take a different approach. Instead of protecting the contractor, they primarily protect the obligee (the project owner, or sometimes a general contractor requiring bonds from subcontractors or suppliers).

If a contractor fails to fulfill their contract, the surety may step in and pay the obligee’s claim. However, unlike insurance, the contractor is ultimately responsible for repaying the surety in full. This makes bonds a financial guarantee rather than traditional coverage.

Surety Bonds vs. Letters of Credit

Because surety bonds operate more like a line of credit than insurance, they are often compared to letters of credit (LOCs). Both provide financial assurance to the obligee, but their structure and impact on the contractor differ.

A letter of credit is a three-party agreement between:

  • The customer (principal/contractor),
  • The beneficiary (obligee/project owner), and
  • The issuer (usually a bank).

The bank promises to pay the obligee if a claim arises, but the customer must repay the bank in full.

Key Differences Between Bonds and LOCs:

  1. Collateral requirements – LOCs require a cash or asset deposit equal to the credit amount, tying up funds the contractor could use for operations. Surety bonds usually require only a premium.
  2. Claims process – Banks must pay on an LOC upon demand, even without proof of breach. A surety bond, however, allows the surety to investigate first, ensuring only valid claims are paid.

For many contractors, these differences make surety bonds a more flexible and cost-effective option than LOCs when securing project obligations.

For a reliable surety partner, contact Construction Bonding Specialists.

At Construction Bonding Specialists, we work with new and experienced contractors to find the most satisfactory bond solutions. As a dedicated surety-bond-only agency with decades of bonding experience, we strive to discover surety solutions for all types of cases, ranging from routine to challenging. Contact us online or call us at 248-349-6227 to learn more.

Written by the Digital Marketing Team at Creative Programs & Systems: https://www.cpsmi.com/.

Top 7 Ways to Upgrade and Maintain Your Inground Pool

Owning a pool in Michigan is pure joy—fun, relaxation, and exercise all in one! But when it’s time for maintenance or a remodel, the options can feel overwhelming. Instead of seeing it as a chore, think of it as a chance to transform your backyard into a refreshed outdoor oasis. Here are seven key considerations for remodeling and maintaining your inground pool.

1. Prioritize Safety

Your family’s safety comes first. Essential features like ladders, railings, fences, and pool covers protect swimmers and help safeguard your investment.

2. Upgrade Your Pool Technology

Old pumps and heaters can waste energy and money. Switching to energy-efficient variable-speed pumps or modern heaters can reduce utility costs and keep your pool more eco-friendly.

3. Make Maintenance Easier with Automation

Pool automation simplifies care. From smart pumps and lights to automatic cleaners and saltwater systems, technology lets you control your pool from a remote, smartphone, or tablet. Less effort, more enjoyment!

4. Refresh Your Pool Surface

Resurfacing extends your pool’s life and updates its look. Consider plaster, tile, or decorative finishes, such as Aquavations Hydrazzo, SunStone®, and Diamond Brite® options, to bring elegance and style to your waterline. This is also the perfect time to adjust your pool’s shape or depth if desired.

5. Add Stunning Water Features

Waterfalls, fountains, laminar jets, and spouting sculptures add movement and beauty to your pool. Pair with natural stones or plants to create a backyard retreat.

6. Enhance Ambiance with Lighting

Lighting is both functional and aesthetic. Well-placed lights improve safety and create a welcoming atmosphere for evening swims or entertaining guests.

7. Extend Your Living Space Outdoors

Combine comfort and entertainment by adding features like outdoor kitchens, swim-up bars, or lounge areas. Think about what your family will enjoy most and design your backyard for maximum fun and relaxation.

Get Expert Guidance

Even small upgrades can make a big difference. Michigan pool professionals, like Pound Pool Plastering, specialize in plaster, tile, and coping to ensure your remodel is beautiful, durable, and tailored to your pool’s unique needs. Trust the experts to guide you through design choices, local regulations, and cost-effective solutions.

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Pound Pool Plastering services residential and commercial pools in applying a wide variety of pool plaster finishes and complete renovations. We offer Diamond Brite, Sunstone, Hydrazzo, and Marcite – and a great selection of tile choices and coping stones. Owner Dale Pound personally oversees each pool project to ensure the highest quality is delivered. Call or email us for a free estimate.

Written by the Digital Marketing Team at Creative Programs & Systems: https://www.cpsmi.com/.

Tired of Wasp Season? Here’s How to Keep Them at Bay

It’s wasp season, which means these pesky predators are at their most aggressive. While complete elimination isn’t realistic, there are several ways to reduce their presence and make your property less attractive to them.

Why Wasps Are So Aggressive Now

Wasps are particularly aggressive in late summer and early fall due to changes in their life cycle. Workers spend most of the season gathering proteins for larvae. In return, the larvae produce a sugary solution that feeds the adult wasps.

As the season winds down, queens lay fewer eggs and the number of larvae decreases. With less sugar available, the workers become hungrier and start seeking out easy food sources—often from humans enjoying the outdoors. This shift in their diet is what makes wasps especially aggressive in late summer and fall.

Make Your Property Less Welcoming to Wasps

Wasps are highly adaptable and will build both aerial and ground nests. They often seek out small, sheltered areas to call home. To discourage nesting:

  • Declutter your yard by clearing away leaf piles, wood stacks, and other debris.
  • Reorganize flowerbeds with plants that are less appealing to wasps, such as geraniums. A quick search can give you more plant ideas that wasps avoid.

Address Wasp Nests Early

If you discover a nest, it’s best to remove it before it gets too large. This can be done on your own with caution or by calling a professional for safe removal.

Try these short-term solutions forimmediate relief:

  • Bait traps – either store-bought or homemade – to reduce the local wasp population.
  • Fake nests – since wasps are territorial, hanging these decoys can discourage them from settling in.
  • Essential oils – some natural repellents can be used around patios and outdoor seating areas for temporary protection.

For recurring, hard-to-reach, or particularly troublesome nests, it’s best to contact a licensed pest control professional, such as Front Range Pest. Our trained technicians have the proper gear and safety equipment to remove nests effectively, and we can apply targeted treatments to eliminate the wasps while minimizing risks to people, pets, and the environment.

Enjoy your outdoor spaces without wasps — contact Front Range Pest today for safe, effective wasp control solutions.

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Front Range Pest is your trusted, family-owned pest and wildlife control company serving central Colorado and southern Wyoming. Our certified technicians have the expertise and credentials to ensure effective pest management for your home or business. As your all-in-one insect and wildlife specialists, we offer peace of mind by identifying wildlife entry points, removing nuisance pests, sealing access areas, performing cleanup, and making essential repairs. Schedule an inspection with us today.

Written by the Digital Marketing Team at Creative Programs & Systems: https://www.cpsmi.com/

Maximizing Your Home’s Value: Transforming Basements into Functional Living Spaces

When it comes to home improvements that deliver the best return on investment (ROI), few projects compare to a finished basement remodel. By converting cold, underused square footage into a warm and inviting extension of your home, you not only gain more living space but also significantly increase your property’s value.

Unlike cosmetic updates that may lose appeal over time, a basement renovation adds functional square footage—a key factor that attracts buyers and boosts resale value. Whether you’re planning to list your home soon or enjoy it for years to come, finishing your basement ensures that every square foot works for you.

Finished Basement Ideas for Every Lifestyle

  • Family Room Retreat – Transform your basement into a cozy lounge with comfortable seating, built-in shelving, and warm lighting. Perfect for movie nights, holidays, or everyday relaxation.
  • Home Office or Study Area – With remote work and hybrid schedules more common than ever, a basement home office offers peace, privacy, and focus without taking away from your upstairs living space.
  • Guest Suite or In-Law Apartment – Adding a private guest space with a bedroom, bath, and kitchenette makes visitors feel at home while creating long-term value for multigenerational living.
  • Fitness and Wellness Zone – From a fully equipped gym to a yoga and meditation studio, basements are ideal for wellness retreats. Proper flooring and ventilation make all the difference.
  • Entertainment Hub – Design the ultimate game room or home theater with surround sound, custom lighting, and recreation features that make your home the gathering place.

Key Considerations for a Successful Basement Remodel

A successful basement remodel starts with the right foundation. Waterproofing and insulation are essential to creating a comfortable, durable space that will stand the test of time. Once the environment is protected, the focus shifts to lighting—a thoughtful combination of layered fixtures and natural light solutions can completely transform the look and feel of a basement, turning it from dark and cold to warm and inviting.

Equally important is a smart layout. By dividing the basement into clearly defined zones, you can maximize usability and ensure the space fits your family’s lifestyle, whether that means a home office, guest suite, or entertainment hub. Finally, the finishing touches tie everything together. Flooring, trim, and color choices elevate the basement beyond a simple renovation, making it feel like a seamless extension of your home rather than an afterthought.

Unlock the Full Potential of Your Home

Your basement doesn’t have to be a cold storage space—it can become your favorite room. With thoughtful design and expert craftsmanship, JFC Remodeling specializes in creating basements that are both functional and beautiful.

Ready to reimagine your basement? Contact JFC Remodeling today!  

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JFC Remodeling is committed to providing top-quality home reconstruction services to clients throughout Livingston County. With over 30 years of experience in the industry, our licensed contractors create unique, individualized, and polished renovations. Whether the site requires improvement, repair, or is a new construction, you can trust our experts to deliver remarkable results. Call or email us to learn more.

Written by the Digital Marketing Team at Creative Programs & Systems: https://www.cpsmi.com/.

Making IT Easy: Less Stress & More Support with CPS IT Solutions

Creative Programs & Systems (CPS) Makes IT Easy!

If your computers aren’t making your life easier, it’s time to reach out for help. At CPS, we solve complex technology challenges and streamline processes with proven strategies and dedicated support tailored to your business needs.

IT Support Made Simple

1. Assess -We start by learning your business and goals to ensure every solution aligns with your needs. This stage may include a full IT system and security audit.

2. Strategize -Next, we create a customized action plan, explore the best products and services, gather pricing, and coordinate with your key representatives.

3. Implement -Our team builds and integrates your tailored solution using proven technology. From networks and servers to software and data backups, we set everything up while keeping you informed every step of the way.

4. Support -We don’t stop at implementation. CPS is here whenever you need us—remotely, by phone, or in person—for troubleshooting, maintenance, monitoring, vendor coordination, and more.

Hybrid IT Services: From Break/Fix to Fully Managed

Not every business has the time—or resources—to keep up with today’s rapidly changing technology. That’s where we come in. Whether you need consulting, managed services, or emergency data recovery, you choose the level of support, and we’ll take care of the rest.

Important Reminder: Windows 10 Support Ends October 14, 2025

Microsoft will soon retire Windows 10. With Windows 11’s limited hardware compatibility, many businesses will require new devices rather than simple upgrades. Running an unsupported system puts your data, security, and compliance at risk.

CPS Solutions for Windows 10 End of Life

  • Assess your hardware for Windows 11 readiness
  • Plan necessary upgrades or replacements
  • Migrate data and applications securely
  • Ensure a smooth, disruption-free transition

Start early to protect your business and avoid costly downtime.

Why CPS?

For over 30 years, CPS has helped businesses maximize technology with solutions tailored to their unique needs. From hardware to custom software development, our dedicated IT experts are committed to understanding your challenges and driving your success. Contact us today to schedule your free consultation!

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Founded in 1994, Creative Programs and Systems delivers professional results for all your computer needs. We design, create, and code various custom software programs and websites. Additionally, we offer superior digital marketing services, including enhanced Search Engine Optimization (SEO) and paid advertising. We also repair and support commercial computer infrastructure, build custom systems and servers, and provide secure data backups. Need assistance or want to learn more? Call (810)224-5252 or email info@cpsmi.com us!

Written by the Digital Marketing Team at Creative Programs & Systems: https://www.cpsmi.com/.

Breaking Ground: 4D Mammography Trials Start at Baptist Health Hardin

Baptist Health Hardin in Elizabethtown, Kentucky has become the first hospital in the world to begin in-human trials of 4D Mammography technology, marking a potential breakthrough in the early detection and diagnosis of breast cancer.

The new imaging system, developed by Calidar Inc.—a Duke University start-up specializing in clinical X-ray diffraction—moves beyond the limitations of traditional mammography. Instead of relying solely on images of breast tissue, 4D Mammography uses X-ray diffraction to analyze the molecular “fingerprints” of tissue, offering a clearer and less invasive path to identifying breast cancer.

“This groundbreaking research has the potential to change the course of treatment for countless people,” said Bert Jones, Director of Medical Imaging at Baptist Health Hardin. “Being part of this pivotal moment in medical innovation represents more than just scientific progress — it’s a step forward in improving the lives of women everywhere.”

The clinical trial at Baptist Health Hardin, launched on August 19, will include about 60 patients. Researchers will evaluate both the efficiency and accuracy of the technology before it can move toward wider approval and eventual commercial use.

Dr. Stefan Stryker, CEO of Calidar, emphasized the significance of applying X-ray diffraction to medicine:

“X-ray diffraction has unlocked some of the most iconic achievements in science — from the structure of DNA to discoveries on Mars. Now, we are bringing that power into the clinic to look inside the human body in a completely new way.”

While not yet FDA-approved, the promise of 4D Mammography could redefine how clinicians detect breast cancer—potentially reducing the need for invasive procedures, minimizing delays in diagnosis, and creating a new standard in breast cancer screenings worldwide.

Learn more about this study on the Calidar website.

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RadParts, a TTG Imaging Solutions Company, is the world’s largest independent distributor of OEM replacement parts. We specialize in low-cost parts for repairing linear accelerators and radiation equipment. Our mission is to provide high-quality, user-friendly, low-cost components and support for linear accelerators and radiation equipment. Contact RadParts at 877-704-3838 to learn more.

Written by the Digital Marketing Team at Creative Programs & Systems: https://www.cpsmi.com/.

Fall Rodent Prevention: Don’t Wait Until It’s Too Late

As days get shorter, mice and other rodents also start seeking cozy winter homes—and unfortunately, that often means yours. Once inside, they can cause structural damage, contaminate food, and even create fire hazards by chewing on wiring.

Northern Pest’s Proactive Defense for Your Home

Taking proactive steps now is the best defense. Northern Pest’s Fall Rodent Prevention Service includes:

  • Comprehensive Inspection – From foundation to roofline, we identify entry points, nesting sites, and potential problem areas.
  • Sealing & Repairs – After inspection, we provide an estimate for repairing and sealing entry points to prevent future infestations.
  • Targeted Treatment – We use a combination of discreet, tamper-resistant rodenticide bait stations, traps, and structural modifications to eliminate activity and block re-entry.
  • Environmental Guidance – Our team suggests changes around your property to reduce conditions that attract rodents.
  • Ongoing Protection – For maximum prevention, you can enroll in our recurring mouse and rat control program, which includes regular monitoring, servicing, and restocking of bait stations.

Stopping rodents before they settle in is far easier—and far less stressful—than dealing with an infestation once it’s underway. Save yourself the hassle by contacting Northern Pest for comprehensive pest control solutions that keep you protected year-round.

Schedule Your Service Before the Rush

The fall season in northern Michigan is short, and pests won’t wait. By scheduling your whole-house barrier treatment and rodent prevention service now, you’ll stay one step ahead of both insects and rodents.

At Northern Pest, we specialize in keeping homes across multiple northern Michigan counties safe, secure, and pest-free. Our team understands the unique seasonal pest pressures in our region—and we’re here to help you protect what matters most.

Contact Northern Pest today to schedule your late-season treatments and enjoy a worry-free fall and winter.

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Northern Pest: Protecting Michigan families like our own. We are licensed and insured to provide insect and wildlife pest control. Our crew has the expertise to track wildlife entry points and remove pests of all kinds, including our licensed builders, who can make any of the necessary repairs caused by wildlife. Northern Pest is a member of the MDAT and the NWCOA. We are certified by the IICRC to provide professional mold mitigation services resulting from animal damage. From prevention to repair, Northern Pest is your full-service solution.

Written by the Digital Marketing Team at Creative Programs & Systems: https://www.cpsmi.com/.

Understanding Substations: Key Components of Power Distribution

At J&P Electrical, we provide a wide range of electrical products and services—including new surplus, used, and refurbished heavy-industrial electrical components. Substations and power distribution equipment are among the critical systems we work with every day, helping facilities maintain reliable, efficient operations.

What Are Substations?

In industrial settings, a substation is a collection of devices working together to convert main distribution power into usable power for a facility. These systems often include transformers, lightning arrestors, capacitor banks, voltage regulators, switches, and fuses. Together, these components ensure consistent, high-quality power while protecting against outages.

Substations are commonly seen fenced near power lines or positioned at manufacturing facilities where large amounts of power are required.

What Are Unit Substations?

A unit substation takes incoming utility service and converts it to match a facility’s operating needs. This setup integrates three sections into one physical unit:

  • Medium-voltage section – Includes switches, fused switches, or breakers (typically 4kV–20kV) to protect and distribute power.
  • Transformer section – Reduces the medium voltage to a lower voltage, with primary/secondary connections, monitoring equipment, and sometimes cooling fans.
  • Low-voltage section – Contains a main breaker and distribution breakers, delivering power directly to plant equipment or breaker panels. Common voltages here are 480V in modern facilities and 600V in older plants.

Alternatives: Pad-Mount Transformers

For smaller or mid-sized facilities, an alternative to a unit substation is a pad-mount transformer. These are utility-owned and maintained, typically mounted outside the facility. They provide the necessary voltage directly, while the facility is responsible for the cables leading into its low-voltage distribution gear.

The distribution gear functions similarly to the low-voltage section of a unit substation, housing the main utility protection and distributing power to machines and panels through breakers or disconnects.

Choosing Between a Unit Substation and Pad-Mount Transformer

The right choice depends on a facility’s requirements, future growth plans, and available resources. Both systems offer distinct advantages:

Unit Substation Advantages:

  • Greater facility control over operation.
  • Power sizing is determined by the substation, not utility limits.
  • High-voltage distribution allows efficient power delivery over smaller cables.

Pad-Mount Transformer Advantages:

  • Utility handles transformer costs and maintenance.
  • No need for medium-voltage equipment, training, or upkeep.
  • Lower equipment costs with smaller service sizes.
  • Reduced electrical footprint without medium-voltage gear.

A Critical Component of Power Distribution

Whether using a unit substation or a pad-mount transformer, both systems are essential for ensuring safe and efficient electrical distribution. Each option has its place, depending on the facility’s size, complexity, and needs. At J&P Electrical, we support businesses by providing the products, expertise, and solutions needed to keep these systems operating at peak performance.

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J&P Electrical is a full-service electrical supply company. At J&P, we source contractors, end-users, and supply houses with new surplus, quality reconditioned, and obsolete electrical equipment. We also purchase a wide range of heavy industrial electrical equipment such as bus plugs, bus duct, transformers, circuit breakers, fuses, and switchboards. Call us at 877-844-5514 for assistance. 

Written by the Digital Marketing Team at Creative Programs & Systems: https://www.cpsmi.com/.

Celebrating National Mortgage Professional Month with EB Mortgage

September is National Mortgage Professional Month, a time to honor the people who work behind the scenes—and on the front lines—helping families and individuals achieve the dream of homeownership. At EB Mortgage in Grand Rapids, MI, we’re proud to be part of this tradition of service, expertise, and community commitment.

Why This Month Matters

The mortgage industry is about more than numbers and paperwork—it’s about people, families, and futures. Mortgage professionals guide clients through one of the most important financial decisions they’ll ever make, ensuring the process is clear, efficient, and tailored to each unique situation. From first-time buyers to seasoned homeowners, this month recognizes the care and effort that goes into making homeownership possible.

EB Mortgage in Grand Rapids, Michigan

Here in West Michigan, EB Mortgage has built its reputation on personalized service and local expertise. We know that every borrower’s story is different, and we take pride in offering solutions that fit each client’s needs. Whether it’s helping a family secure their first home, assisting with refinancing options, or navigating the move-up process, our team is dedicated to providing confidence and peace of mind at every step.

Our Commitment to You

During National Mortgage Professional Month, we celebrate the trust our clients place in us. We’re more than mortgage specialists—we’re partners in your journey. By combining industry knowledge with a genuine understanding of the local market, EB Mortgage is here to help you make smart, informed decisions—whether it’s homeownership, refinancing, specialty loans, or nationwide commercial lending.

EB Mortgage – Grand Rapids, MI: Your local partner in homeownership and wholesale lending.

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EB Mortgage is a locally owned mortgage company with experts in new home purchase, refinancing, and commercial loans. Our wholesale rates can’t be beaten. We offer more products, more options, and more solutions. Our “3C” Process is simple: complete our pre-approval request, consider options based on your requirements, and choose the offer that suits your needs best. Call us or e-mail us today! 

Written by the Digital Marketing Team at Creative Programs & Systems: https://www.cpsmi.com/.

How Tariffs Impact Contractors and Their Surety Bonds

Tariffs are government-imposed taxes on imported goods, often designed to protect domestic industries or generate revenue. These fees, which may be charged as a percentage of value or a flat rate per unit, are paid by the importer at the point of entry into the U.S. For the construction industry, this means materials like steel, aluminum, lumber, and electrical components can quickly become more expensive, creating price volatility that ripples through projects.

The Effect of Tariffs on Contractors

  • Rising Material Costs and Tighter Budgets – When tariffs raise the price of key construction materials, contractors face increased project costs. To secure bonding for the same scope of work, surety companies require contractors to demonstrate higher levels of working capital, putting extra pressure on liquidity.
  • Increased Contractual Risk – Fixed-price contracts are particularly risky in a market driven by tariffs. Contractors locked into these agreements must absorb rising costs themselves, often eroding profit margins or creating the risk of financial loss. This heightens surety concerns about a contractor’s ability to complete the project.
  • Challenges in Bidding – Unpredictable material costs make it harder for contractors to bid accurately on new projects. Many may increase bid prices to hedge against risk or hesitate to commit without protective clauses, such as price-escalation provisions.

Strategies to Protect Bonding Capacity

Contractors can take proactive steps to safeguard both their bonding capacity and financial stability in the face of tariffs:

  • Include protective clauses: Add provisions for price escalation, force majeure, or material substitution in contracts to mitigate unforeseen cost increases.
  • Diversify suppliers: Build relationships with multiple vendors, including domestic manufacturers, to reduce reliance on tariff-sensitive imports.
  • Lock in pricing early: Secure firm quotes from suppliers before submitting bids to minimize the risk of price spikes later.
  • Communicate openly: Keep surety partners informed about risk management strategies and contract protections. Likewise, maintain transparency with project owners when tariff-related issues arise.

How Construction Bonding Specialists Can Help You Secure a Bond

Tariffs may be outside of a contractor’s control, but their financial impact doesn’t have to be. With the right planning, stronger supplier networks, and open communication with sureties, contractors can better manage cost fluctuations and protect their bonding capacity.

Need help securing a construction bond? With decades of experience, Construction Bonding Specialists, LLC has worked with contractors of all sizes to deliver tailored bonding solutions. Through partnerships with multiple Treasury-listed and AM Best-rated surety markets, we can assist with nearly every type of bond—including Bid, Performance, Payment, Financial Guarantee, Supply Bonds, and more.

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At Construction Bonding Specialists, we work with new and experienced contractors to find the most satisfactory bond solutions. As a dedicated surety-bond-only agency with decades of bonding experience, we strive to discover surety solutions for all types of cases, ranging from routine to challenging. Contact us online or call us at 248-349-6227 to learn more.

Written by the Digital Marketing Team at Creative Programs & Systems: https://www.cpsmi.com/.