License bond and insurance

[JD Mims]

Hi biggerpockets family! 

I'm trying to figure out how to utilize the contractors insurance that he already has in place.
With the bond and insurance coverage so that I am protected protected with the work he has done.
When a contractor is licensed and bonded with insurance how how do I as the consumer use those for my protection?
Am I supposed to ask the contractor to put me on his insurance?  What if they say no?
Do I have the ability to get ahold of his bond company in the event that he doesn't perform?
How does the bond and insurance protect me? What specific steps do I need to take to utilize it?

Any feedback helps. 

Thank you