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Michigan Surety Bond Guide

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Which Surety Bonds in Michigan Do You Need?

There are three types of surety bonds that can be required of you:

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.

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.


Michigan Surety Bond Search

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 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
Michigan Depository Financial Institution - Sales Finance Company Bond Department of Insurance and Financial Services Lansing Apply
Michigan Door to Door Sales Bond (City of Lansing, MI) City of Lansing Lansing Apply
Michigan Driver Education Provider Michigan Department of State Lansing Apply
Michigan First Mortgage Broker, Lender, and/or Servicer Bond Office of Financial and Insurance Services Lansing Apply
Michigan First Mortgage Broker, Lender, and/or Servicer Bond Office of Financial and Insurance Services Lansing Apply
Michigan IBEW Local No. 58 IBEW Local #58 Detroit Apply
Michigan In Lieu of Michigan Based Trust Account Alternative Bond Department of Insurance and Financial Services Lansing Apply
Michigan Information Purchaser's Uniform Surety Bond Michigan Department of State Lansing Apply
Michigan Manufactured Home Uniform Bond State of Michigan Inkster Apply
Michigan Massage Establishment License City of Southfield Southfield Apply
Michigan MLCC Non-Retail License Michigan Liquor Control Commission Lansing Apply
Michigan Money Transmission Services Provider Bond Office of Financial Services Lansing Apply
Michigan Mortgage Lender OFIR Lansing Apply
Michigan Mortgage Loan Originator - Company OFIR Consumer Finance Section Lansing Apply
Michigan Mortgage Loan Originator - Individual Office of Financial and Insurance Regulation Lansing Apply
Michigan Motor Vehicle Dealer Department of State Lansing Apply
Michigan Non-Depository Sales Finance Company and/or Out-Of-State Depository Institutions Bond Department of Insurance and Financial Services Lansing Apply
Michigan Office of Postsecondary Services - Proprietary School Unit Mich Dept Energy, Labor, Economic Growth Lansing Apply
Michigan Precious Metal & Gold Buyer City of Highland Park Highland Park Apply
Michigan Private School Bond Dept of Licensing and Regulatory Affairs Lansing Apply
Michigan Professional Employer Organization Bond State of Michigan Lansing Apply
Michigan Professional Investigator or Professional Investigator Agency Michigan Department of Energy, Labor and Economic Growth Lansing Apply
Michigan Residential Builder and/or Residential Maintenance and Alteration Contractor Dept of Licensing & Regulatory Affairs Lic. Div. Lansing Apply
Michigan Residential Builder and/or Residential maintenance and Alteration Contractor Michigan Dept. of Licensing and regulatory Affairs Lansing Apply
Michigan Retailer or Applicant for Retail License Bond MLCC - MICHIGAN LIQUOR CONTROL COMMISSION Lansing Apply
Michigan School of Cosmetology State of Michigan-Board of Cosmetology Lansing Apply
Michigan SECOND Mortgage Broker, Lender, and/or Servicer Commissioner, Office of Financial & insruance Lansing Apply
Michigan Second Mortgage Broker, Lender, and/or Servicer Bond Office of Financial and Insurance Regulation Lansing Apply
Michigan Security Alarm Contractor Bond Dept of Licensing and Regulatory Affairs Lansing Apply
Michigan Security Guard Agency Dept. of Licensing and Regulatory Affiars Lansing Apply
Michigan Special License for Sale of Beer, Wine and Spirits for Consumption on the Premises Bond Michigan Liquor Control Commission (MLCC) Lansing Apply
Michigan Special License for Sale of Beer, Wine, and Spirits for Consumption on the Premises Bond MI Department of Licensing and Regulatory Affairs Lansing Apply
Michigan St. Clair County Road Commission St. Clair County Road Commission Saint Clair Apply
Michigan Third Party Testing Organization Bond Department of State Lansing Apply
Michigan Unarmed Combat License Bond MI Department of Licensing and regulatory Affairs Lansing Apply
Michigan Uniform Bond City of Detroit,County of Wayne, State of Michigan Detroit Apply
Michigan Uniform Manufactured Housing Retailer's Bond Michigan - Department of State Lansing Apply
Michigan Uniform Manufactured Housing Retailer's Consumer Deposit Bond Dept of Licensing and Regulatory Affairs Lansing Apply
Michigan Uniform Professional Fund Raiser Surety Bond Departent of Attorney General-Charitable Trust Sec Lansing Apply
Michigan Uniform Surety Bond Consumer Affairs Department, Business License Center Detroit Apply
Michigan Uniform Vehicle Dealer Department of State Lansing Apply
Michigan Vehicle Uniform Bond Michigan Department of State Inkster Apply
bonds found

    Getting Construction Bonds for Jobs

    Contract bonds such as bid 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.

    What Do Surety Bonds Cost?

    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.


    Frequent Questions

    What is the process to obtain the bond?

    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.

    Can I get this bond with bad credit?

    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.

    Does it matter where I get my bond?

    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.

    What if a false claim is filed?

    You need to contact the surety company's claims department and present proof that the claim is false.

    Do all states require a bond?

    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.


    Get Your Surety Bonds from the Best Bonding Companies
    We work with the top A-rated, T-listed surety bond companies in the nation

    Jennifer Henson
    Our company has been with JW Surety for several years now so when we needed to obtain a bond for a new company, we immediately went to them for help. Our rep, Melissa, was extremely helpful and prompt which made the process extremely easy for me.
    David Tillotson
    Trying to get a local Surety Bond was like driving a car on three tires. I searched Surety Bonds and found JW Surety Bonds. I got online and filled out the information and with in 30 minutes received a response from Melissa. She was informative, friendly and helpful. One more super satisfied customer.

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    Our company writes $4,000,000,000+ in bonds each year!
    • #1 Bond Writer
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    • Easy Process
      Fastest online surety bond application process; we approve bonds instantly.
    • Lowest Rates
      Our high volume allows us to negotiate lower rates on your behalf.
    • Claim Specialists
      Your JW surety bond agent will be your claims advocate when you need them most.

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