Michigan BDIC sponsor bonds.
$200 flat.

Michigan conditions approval as a basic driver improvement course sponsor on a fixed $20,000 bond filed with the Secretary of State — ours is $200, the price our carrier sets for this specific bond. The bond issues the moment you pay — no credit review of any kind, not even a soft pull.

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Required to be an approved BDIC sponsor under MCL 257.320d, filed with the Secretary of State

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Fixed price, fixed amount — $20,000 bond, $200, no quote process

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Multi-year terms available — set it up once, forget it for up to 3 years

A-ratedA.M. Best carriersInstantunderwriting process1–3 yrterms available

Trusted by industry leaders

How it works

Three steps. One sitting.

Sponsor bonds are among the simplest in surety. Here's the entire process:

NOW · ONLINE

Apply online

Sponsor and owner details and an effective date. That's the application — no financials, no credit fields, no follow-up scavenger hunt.

MINUTES, USUALLY

Pay & e-sign

Bonds like this are among the thousands of bond types that issue right after purchase.

SAME DAY

File with the Secretary of State

Your executed bond and power of attorney arrive by email, ready to file with your BDIC sponsor approval application. Wet-ink original mailed on request.

About this bond

What it is and who needs it.

What the bond actually guarantees

A basic driver improvement course (BDIC) is the course an eligible Michigan driver can take to keep certain civil-infraction points off their record. Sponsors that deliver these courses are approved by the Secretary of State, and approval is conditioned on a $20,000 bond.

It's a three-party arrangement: you (the principal), the surety carrier, and the State of Michigan (the obligee). The bond is conditioned to indemnify or reimburse the Secretary of State, or an individual taking the sponsor's course, for monetary loss caused through fraud, cheating, or misrepresentation in the conduct of the sponsor's business.

The bond must stay active for as long as you are an approved sponsor. The surety can cancel only on 30 days' notice to the Secretary of State — so we track it and notify you 60 and 30 days out, keeping your $20,000 filing continuous.

MCL 257.320dMichigan Compiled Laws 257.320d requires a basic driver improvement course sponsor to submit to the Secretary of State a $20,000 security bond, conditioned to indemnify or reimburse the Secretary of State or an individual taking the sponsor's course for monetary loss caused through fraud, cheating, or misrepresentation in the conduct of the sponsor's business. The surety may cancel on 30 days' notice to the Secretary of State.

You need this bond if you're

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Applying to be an approved BDIC sponsor — the bond is filed with your application

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Renewing your sponsor approval and your bond is expiring or your surety non-renewed

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Launching an online BDIC course that the Secretary of State approves as a sponsor

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Reinstating sponsor approval after a lapse that requires a fresh bond

One application, issued instantly.

These are the actual issuing fields — the application collects no credit information, because this bond doesn't need it.

Start the application →

FAQ

Common questions.

How much is the Michigan BDIC sponsor bond?The premium is $200 flat — the price our carrier sets for this fixed $20,000 bond, the same for every sponsor. The $20,000 is set by statute (MCL 257.320d), so there is no quote process.

Do I pay the $20,000?No. You pay $200. The $20,000 is the surety's maximum liability if a valid claim is made against the bond — not a deposit, and nobody holds your money.

What does the bond protect against?It indemnifies the Secretary of State, or a person taking your course, for monetary loss caused through fraud, cheating, or misrepresentation in the conduct of your sponsor business. If the surety pays a claim, you repay the surety.

Is there a credit check?This application collects no credit information — there's no credit section to fill out. Most fixed-amount bonds like this clear without one.

When does it renew?The bond must stay active for as long as you are an approved sponsor. You can buy a 1, 2, or 3-year term; we send renewal notices 60 and 30 days out, with autopay available, so your approval never lapses over a missed email.

Which A-rated carriers underwrite these bonds?Typically Arch Insurance Company (A.M. Best A+) or Nationwide Mutual Insurance Company (A.M. Best A). Which one writes your bond depends on the bond type and your state. The carrier's name and official signature are printed on the bond you receive.

How do I contact Light RFP about this bond?Email insurance@lightrfp.com. It reaches the bond team at Light RFP Risk Management Services LLC (NY DFS License # PC-1978982). Write to us about quotes, applications, bond forms or certificates. We will respond within 24 hours.

Related bonds

Other Michigan bonds.

Finish your sponsor approval today.

$200, no credit review, bond often issued in the same sitting. Free until issued.

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Your price$200

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Michigan BDIC sponsor bonds.$200 flat.