I would second Nukes advice. I wold stick with who you have for another term until things settle on the insurance and credit front. I am going through this right now while trying to get an umbrella policy for a specific job. My current provider didn't want to take on the whole load so they are shopping me around. This process has been ongoing for about 3 weeks.
P and P bonds are surety that you will complete projects you start. The best way to do so is to have a bond company that will work with you as jobs come and go. You can go the cash up front route and that works if you have it to spare but it will go into escrow until the job is complete. I have never hasd to wait a year to get my money back though even if it stipulates that possibility in the contract docs.