Last Updated:March 16, 2026|Reflects current Michigan surety bond requirements

✓ 2026 Requirements Verified

Michigan Surety Bonds

Michigan Surety BondsMunicipal Rules, One Provider

Name: Michigan Surety Bonds
Brand: BuySuretyBonds.com
Availability: InStock

Michigan leaves contractor bonding to its cities and counties, which means the rules change depending on where you work. Detroit, Grand Rapids, and Lansing each have their own bonding requirements for different trades. At the state level, Michigan keeps things simpler: a $10,000 notary bond, a $10,000 auto dealer bond, and financial services bonds through DIFS. We know the bonding requirements for every Michigan municipality and state agency.

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Official Michigan Requirements

"Every person appointed as notary public shall... furnish a bond in the penal sum of $10,000 conditioned on the faithful performance of all notarial acts."

Michigan Legislature • MCL 55.291

$10K

Notary Bond

$10K

Dealer Bond

1 Day

Typical Approval

Counties Served

Most-Requested Michigan Bonds

Formatted for every Michigan city and state agency

Michigan Notary Bonds

Starting at $30

Required $10,000 bond filed with the county clerk under MCL 55.291. Michigan notary commissions run for 6- or 7-year terms depending on when you were commissioned.

$10,000 bond amount
6-7 year term
County clerk filing
Instant approval

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Michigan Contractor Bonds

Starting at $100

Michigan has no statewide contractor bond, but many cities and counties require them. Detroit, Grand Rapids, Lansing, and other municipalities set their own bond amounts and trades that must be bonded.

Municipality-specific
Detroit city bonds
Grand Rapids bonds
All trades

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Michigan Court Bonds

Quote required

Probate bonds, appeal bonds, and fiduciary bonds for Michigan circuit and probate courts. Bond amounts set by court order under the Michigan Estates and Protected Individuals Code.

Circuit courts
Probate courts
Personal representative
Conservator bonds

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Michigan License & Permit Bonds

Varies by type

Auto dealer bonds ($10,000), mortgage servicer bonds under DIFS, collection agency bonds, and local business permit bonds required across Michigan.

Dealer bonds ($10K)
DIFS mortgage bonds
Collection agency
Permit bonds

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How to Get Your Michigan Bond

Tell Us Your Location

Michigan bonding rules vary by city. Tell us where you work and what trade you practice, and we will confirm the exact bond type and amount required.

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Notary bonds are approved instantly. Contractor and license bonds are quoted the same business day using A-rated sureties licensed in Michigan.

Receive Your Bond

Download your bond certificate immediately. We format it for your specific municipality or state agency and can file on your behalf.

All Michigan Bond Categories

Construction Bonds

Municipal Contractor Bonds
City-specific for Detroit, Grand Rapids, Lansing, etc.
Performance & Payment Bonds
Bid Bonds
Performance Bonds
Payment Bonds

Court & Fiduciary

Business & Professional

Serving Businesses Across Michigan

Detroit

Grand Rapids

Warren

Sterling Heights

Ann Arbor

Lansing

Flint

Dearborn

Livonia

Troy

Kalamazoo

Southfield

Michigan Surety Bond Questions

Municipal and state-level bonding rules

Does Michigan require a statewide contractor bond?

No. Michigan does not have a statewide contractor licensing board or statewide bond requirement. Contractor bonding in Michigan is handled entirely at the municipal level. Cities like Detroit, Grand Rapids, Lansing, Ann Arbor, and others each set their own rules about which trades need bonds and how much those bonds must be. Before starting work in any Michigan city, check with the local building department for specific bonding requirements.

How much is the Michigan notary bond?

Michigan requires a $10,000 notary bond filed with the county clerk in the county where you reside. The bond costs $30-$50 and requires no credit check. Michigan notary commissions were historically 7 years, though recent changes affect term lengths. The bond must be in effect before you can perform any notarial acts.

What is the Michigan auto dealer bond amount?

Michigan requires a $10,000 surety bond for motor vehicle dealers, filed with the Secretary of State under the Michigan Vehicle Code (MCL 257.248). This is one of the lower dealer bond amounts in the nation. The bond protects consumers from dealer fraud, failure to deliver titles, odometer tampering, and other statutory violations.

What contractor bond does the City of Detroit require?

Detroit requires contractors to be licensed through the Buildings, Safety Engineering, and Environmental Department (BSEED). Depending on the trade and license class, Detroit may require bonds ranging from $5,000 to $25,000. Electrical contractors, mechanical contractors, and general builders each have different bond requirements. Contact BSEED for your specific trade's requirements.

What are Michigan DIFS bond requirements?

The Michigan Department of Insurance and Financial Services (DIFS) requires surety bonds for various financial services licensees, including mortgage servicers, money transmitters, and installment sellers. Bond amounts depend on the license type and business volume. These bonds are filed through the NMLS system for mortgage-related licenses.

Can I get a Michigan bond with challenged credit?

Yes. Notary bonds and small license bonds typically require no credit check. For municipal contractor bonds and larger license bonds, applicants with credit scores in the 500-600 range can still get approved through sureties that work with higher-risk applicants. Expect premiums of 5-10% of the bond amount rather than the 1-3% that strong-credit applicants pay.

Official Michigan Resources

Government sources for Michigan bond requirements

Michigan SOS -- Notary Public Information

Commission requirements, bond filing, and notary resources

Michigan DIFS -- Financial Services Licensing

Bond requirements for mortgage servicers, money transmitters, and other financial licenses

Written by BuySuretyBonds.com

Surety bond specialists operating nationwide with direct integrations to Treasury-certified surety carriers. Our platform enables instant approval for license and notary bonds, with 24-48 hour underwriting for commercial bonds. All content is researched from official state and federal sources (.gov) and reviewed by bond industry experts.