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Michigan fireworks bonds.
$100 flat.

Michigan requires a $5,000 bond when you apply for a consumer fireworks certificate at a temporary location that is not a permanent building, under the Fireworks Safety Act (MCL 28.454). Ours is $100 flat — set by our carrier for this bond. The bond issues the moment you pay.

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Required for a temporary consumer fireworks location — tents and stands, not permanent buildings
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Backs estimated sales tax and firework safety fees under MCL 28.454
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Fixed amount, fixed price — $5,000 bond, $100, no quote theater
A-ratedA.M. Best carriersInstantissued the moment you pay1–3 yrterms available
Trusted by industry leaders
New York City Economic Development Corporation (NYCEDC)
Blumenfeld Development Group (BDG)
Capital Development Partners
McKinney Properties
Terra Capital
JLL (Jones Lang LaSalle)
Triple Five Group
The Georgetown Company
New York City Economic Development Corporation (NYCEDC)
Blumenfeld Development Group (BDG)
Capital Development Partners
McKinney Properties
Terra Capital
JLL (Jones Lang LaSalle)
Triple Five Group
The Georgetown Company
How it works

Three steps to selling.

Your fireworks certificate is waiting on this bond. Here's the entire process — no broker phone tag:

TODAY · ONLINE

Apply once, online

Business details, owner information, effective date. That is the application — the only extra step is a one-time consent to a soft credit pull.

RIGHT AWAY

Approved

Most are approved as soon as you apply. Any credit check is a soft pull that never affects your score. If it needs a second look, one to two business days at most.

WHEN YOU PAY

E-sign & file with LARA

Pay online and receive the executed bond, ready to file with your consumer fireworks certificate application. Wet-ink originals mailed whenever the state insists.

About this bond

What it is and who needs it.

What the bond actually guarantees

Michigan's Fireworks Safety Act (Act 256 of 2011, MCL 28.454) requires a consumer fireworks certificate to sell 1.4G consumer fireworks at retail. When the retail location is not a permanent building or structure — a tent, stand, or temporary setup — the applicant must file a $5,000 surety bond.

The bond ensures the collection of estimated sales tax and firework safety fees from temporary sellers, who are harder for the state to pursue after a seasonal location closes. It is filed with LARA as part of the certificate application.

Permanent buildings pay a higher certificate fee but do not post this bond; temporary locations post the bond instead. If the surety pays the state for unremitted tax or fees, you repay the surety — it is not insurance for you.

MCL 28.454 (Fireworks Safety Act)The Michigan Fireworks Safety Act (Act 256 of 2011, MCL 28.454) requires an applicant for a consumer fireworks certificate at a retail location that is not a permanent building or structure to file a $5,000 surety bond, ensuring collection of estimated sales tax and firework safety fees. Consumer fireworks applications are accepted from January 1 through April 1 each year; the certificate is administered by LARA.

You need this bond if you're

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Selling consumer fireworks from a tent or stand — a temporary, non-permanent retail location
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Applying for a consumer fireworks certificate for a seasonal or pop-up location
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Running multiple temporary locations that each require certificate coverage
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A seasonal retailer setting up around the summer fireworks selling windows

One application, issued instantly.

These are the actual underwriting fields, including your consent to a soft credit check if one applies. Submit once and your bond is issued when you pay.

Start the application →
FAQ

Common questions.

How much is the Michigan fireworks bond?The premium is $100, set by our carrier's rate book for this bond — not a percentage of the $5,000 amount. The $5,000 amount is set by statute, so there is no quote process.
Do all fireworks sellers need this bond?No — only temporary locations that are not permanent buildings or structures (tents, stands, pop-ups). Permanent buildings pay a higher certificate fee instead and do not post this bond.
What does the bond guarantee?It backs the estimated sales tax and firework safety fees a temporary seller owes the state. If you fail to remit and the surety pays, you repay the surety.
Is there a credit check?A quick soft credit check may apply — never a hard inquiry, and it never affects your score. It informs approval, not price: the premium is $100 either way.
When can I apply for the certificate?Michigan accepts consumer fireworks applications from January 1 through April 1 each year. We can issue your bond any time so it is ready to file with your LARA certificate application.
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.
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Fireworks bond, issued today.

$100 flat, short application, bond issued when you pay. Free until issued.

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Your price$100
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