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Michigan bonds

Michigan — Professional Investigator Or Professional Investigator Agency Bond

Using a surety bond for a Michigan professional investigator license? Prepare the $10,000 undertaking in the licensed applicant’s name, with the agency and qualifying officer details aligned. Apply through The Southern Agency, then upload the issued bond through MiCLEAR.

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Recorded state
Michigan
Bond type
Private Investigator / Detective Bond
Category
Professional & occupational licenses

What this bond does

The bond backs faithful and honest conduct of the licensed investigative business. It is one financial-security route under MCL 338.829, not an additional bond automatically required on top of qualifying substitute insurance.

Who needs it
Professional investigator or agency applicants, including sole proprietors and permitted business entities, using the bond route for Michigan licensing.
Who it protects
The bond is taken in the name of the people of Michigan. The statute lets a person injured by the principal’s willful, malicious and wrongful act bring an action in their own name for the resulting damages.

Your bond option

This is the option on record for this bond.

The bond amount describes the limit of the bond obligation, not the price. A listed amount does not establish what the requesting party requires. The premium is what you pay and must be confirmed for the actual option. An E&O limit, where listed, is separate errors and omissions insurance.

Bond and qualifying insurance are alternatives

MCL 338.829 allows a qualifying insurance policy instead of the $10,000 bond. That policy must name the licensee and state as co-insureds and meet the specified limits: $10,000 property damage, $100,000 injury/death of one person and $200,000 for more than one person arising from the licensed activity.

Do not assume any ordinary business policy satisfies those conditions. If proceeding with the bond, match the licensed applicant and department-accepted instrument rather than mixing investigator security with a separate security-guard offering.

Match the licensing record and upload the issued document

LARA’s initial application pairs the qualifying officer with the agency. It asks for entity/sole-proprietor DBA evidence and a physical office location alongside the other licensing documents. Use the applicant’s exact legal identity, not just the qualifying officer’s name or an unrelated trade name.

Purchase Now opens Propeller in a new tab. Prepare the $10,000 request, principal, state wording, accepted form and required dates. After issuance, review and upload the bond in MiCLEAR. For an existing license, LARA directs users to Additional Actions → Update Insurance and asks agents to stop mailing or emailing these documents.

Sources

Have these ready

  1. Legal applicant/agency identity and qualifying officer details.
  2. Entity or sole-proprietor DBA records and physical office information.
  3. $10,000 bond request, accepted state wording/form and required dates.
  4. MiCLEAR application or existing license record for document upload.

Questions about this bond

Must I have both this bond and the statutory substitute insurance?

The statute permits qualifying insurance in lieu of the bond. It specifies co-insureds and coverage limits; do not assume a different insurance policy automatically replaces the required security.

Should the bond name only the qualifying officer?

Match the actual licensed applicant and agency record. LARA’s application considers the qualifying officer and agency together and requests the business/sole-proprietor documentation.

Does the three-year license make this a three-year bond option?

The statute gives the license a three-year period, but the public purchase option states no bond term. Use the department’s actual dates and accepted instrument rather than inferring a provider term.

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