When you make an estimate of a project, after you add up all the trades, you have a subtotal. It is very important to add your general conditions as a separate item after this subtotal because it keeps things in line. Then comes your fee. Then comes your insurance and bond cost. Do not forget that throughout the job you should apply this same bond rate to your change orders. This is fully recoverable in a change order that you give to the owner. Although it might be a small amount for each CO, it adds up.