MI public official bonds.
Flat 3%. Enter your amount.
Michigan conditions many public offices on a faithful-performance bond — the surety guarantees the officer handles public money and duties honestly. The amount is set by the statute, charter, or board that governs the office, and we issue it at a flat 3% with one soft credit pull.
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Three steps to bonded.
Public official bonds are straightforward surety — enter your amount, consent to a soft pull, and file. Here's the whole thing:
Apply online
Your details, the office, the bond amount your governing body set, and the effective date — plus a one-time consent to a soft credit pull.
Reviewed & approved
Most clear quickly; if underwriting needs anything, an underwriter reaches out within 48 hours. The soft pull never affects your credit score.
File before you take office
Your executed bond arrives by email, ready to file with the clerk or body that governs the office. Wet-ink originals mailed whenever the office insists.
The whole pricing page.
Bond amount × 3% = your premium, one-time per term, $275 minimum. Enter the figure your office set and the premium updates.
What it is and who needs it.
What the public official bond actually guarantees
Michigan law conditions many public offices on an official bond — a guarantee that the officer will faithfully perform the duties of the office and account for public funds and property entrusted to them. It protects the public body, and ultimately the taxpayers, against an officer's misconduct or default.
It's a three-party arrangement: you (the officer / principal), the surety carrier standing behind you, and the public body you serve (the obligee). If you misapply public money or fail to perform a duty the office requires, the public body can recover against the bond up to its penal sum.
It is not insurance for you — if the surety pays a claim, you repay the surety. Michigan's general bond statutes also provide that the surety is not liable for acts committed before the bond's effective date, so keeping the bond continuous matters.
You need this bond if you are
Five minutes. The whole thing.
These are the actual underwriting fields, including a one-time consent to a soft credit pull. Submit once and your bond is typically issued within 1–2 business days.
Start the application →Common questions.
If yours isn't here, the bond team can usually answer within the hour.
How much is the Michigan public official bond? +
Who decides my bond amount? +
What does the bond guarantee? +
Is there a credit check? +
When does it renew? +
Other New York bonds.
Bonded before you take office.
Five-minute application, flat 3%, $275 minimum. Enter the amount your office set and file the same day.