CAIC Surety

The Surety Specialists of Houston

In the high-velocity Houston bidding environment, CAIC is the local engine that powers a contractor's ability to compete. Unlike giant insurance brokers where surety is just one department, CAIC lives and breathes bonds. Because they are based in Houston, decisions don't wait for a committee in a distant state. They offer direct access to underwriters who understand local market values and Gulf Coast construction risks.

They are particularly agile for small-to-mid-sized contractors looking to scale. Whether you need a bid bond by Friday morning or a subdivision bond for a new development in Harris County, CAIC provides the fast-track solutions that big-box firms often overlook.

The ConstructionPerks Take

We think CAIC is best for: Subcontractors and emerging GCs who need a responsive, local bonding partner to help them win public work and larger private contracts.

One thing to think about is their focus. They are a pure surety company. You'll still need a separate P&C broker for GL and workers' comp — but for the bond itself, they are as focused as it gets.

Frequently Asked Questions

How fast can you issue a bid bond?

With their local underwriting team, they can often process and issue bid bonds for established clients with same-day or next-day turnaround.

Do you handle subdivision and maintenance bonds?

Yes, they specialize in the full range of bonds required for land development and public works projects in the Houston area.

What do I need to get my first bond line?

Typically, they start with a review of your business financials, credit history, and previous project experience to establish your initial capacity.