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Insurance wise we need that too, and more for taxes etc. And i did pay money for the dba thing.

I'm registered, but you need a license for only particular trades here, such as electrical, roofing, plumbing, etc. I went down to the courthouse and was educated on the spot lol.

If you take a deposit, a bond means that even if you don't finish the job, there's money there to cover another contractor to finish the job. Without a bond the homeowner/ customer has no recourse if you walk. If you don't accept money till the job is done, you don't have any of their money, so...

Remember if you are taking payment before finishing the job you have to be bonded.