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Types of Surety Bonds: Michigan Surety Bond Requirements
There are three types of surety bonds that can be required of you:
- License and permit bonds needed for many professions such as contractors and auto dealers to operate legally.
- Contractor bonds for public construction projects.
- Court bonds required by the courts for various purposes.
It’s important you understand how surety bonds work and that you're responsible to pay claims in full, which makes it important that you find a bond company that will defend you from claims.
Find Your Surety Bond
| Michigan Alarm Business Bond | Michigan Dept of Licensing and Regulatory Affairs | Lansing | Apply |
| Michigan Basic Driver Improvement Course Sponsor Bond | Michigan Department of State | Lansing | Apply |
| Michigan Bond Guaranteeing Payment of Utility Bills | Consumers Energy | Grand Rapids | Apply |
| Michigan Collection Agency Bond | Bureau of Commercial Services, Licensing Division | Lansing | Apply |
| Michigan Debt Management License Bond | Department of Insurance and Financial Services | Lansing | Apply |
| Michigan Deferred Presentment Service Provider Bond | State of Michigian | Lansing | Apply |
Getting License and Permit Bonds
Michigan requires license and permit bonds in order to get and file licenses/permits for many different professions. You can find the full list of license and permit bonds required by using our bond requirement search tool.
A commonly needed license bond is the contractor surety bond needed for residential builders, maintenance and alteration contractors, which is required by the Michigan Department of Licensing and Regulatory Affairs. Another common license bond is the uniform vehicle dealer bond needed to sell or broker new and used vehicles, which is required by the Michigan Department of State.
Getting Construction Bonds for Jobs
Contract bonds such as bid bonds and performance bonds are needed to work on public construction projects. However, these are usually required by cities or municipalities as opposed to the state. You can learn more about what’s needed to get surety bonds for construction projects.
Getting a Court Bond in Michigan
Court bonds aren’t needed as often as the bonds mentioned above, but can be required by the courts if you need to appeal a court decision, become a legal guardian of a minor or operate as a fiduciary of an estate.
How Much Do Surety Bonds Cost in Michigan?
Surety bonds generally cost 1-15% of the required bond amount. Costs vary significantly depending on the bond amount you need and your rate (which is the percentage of the full bond amount you must pay). You can get an instant estimate by using our bond premium calculator, or apply online to get a firm surety bond quote.
Can You Get Bonded with Bad Credit?
It’s possible to get surety bonds with bad credit, but it will depend on the bond type you need and how severe your credit issues are. You can get approved for most license and permit bonds with bad credit. However, it is more difficult to get contract bonds with credit issues. You can also read the most frequently asked surety bond related questions.
City-level Bonding Requirements
Choose your city from the list below if you wish to learn more about its bonding requirements. For an overview of all bonds in the state, keep reading.
Frequently Asked Questions
Apply, get approved online, submit the indemnity agreement, and pay for the bond online. Then we will ship the original bond to you using your preferred method of shipping.
Yes. We have exclusive programs that allow us to write these bonds, even if you have credit issues. You can apply and get a quote instantly.
Yes. Due to the large volume of bonds written, we provide the lowest rates possible. Apply on our website and receive an online approval instantly.
You need to contact the surety company's claims department and present proof that the claim is false.
No, many do not. You can view our full list of state bond requirements. It is also wise to contact your state directly to determine any requirements youm ust meet.