Main Office: The Historic Ford Building 615 Griswold, Suite 1312 Detroit, MI. 48226

Wayne County Probate Court Coleman A. Young Municipal Center 2 Woodward, Suite 1311 Detroit, MI 48226


Phone: (313) 963-7170

Fax: (313) 963-0980

9:00 to 5:00

Monday to Friday


The Surety's Job: Protection

The purpose of a surety is to protect public and private interests against financial loss. Therefore, the surety bonding company must be profitable and must have a strong balance sheet. No one is likely to accept the guarantee of a party with a bad name or a weak balance sheet. The surety bonding company guarantees performance. Its good name and balance back up that guarantee. Probate bonds, notary public bonds, court bonds, license and permit bonds and public official bonds all guarantee protection of public interests from finacial loss. Why has corporate surety become such a vital part of doing business in today's econonic society? Because there is no alternative for protecting public and private interests from financial loss.

What is a Surety Bond?

A bond guarantees the performance of a contract or other obligation. Bonds are bonds are three party instruments by which one party guarantees or promises a second party the successful performance of a third party.
  • 1. The Surety--Is usually a corporation which determines if an applicant (principle) is qualified to be bonded for the performance of some act or service. If so, the surety issues the bond. If the bonded individual does not perform as promised, the surety performs the obligation or pays for any damages.
  • 2. The Principal--Is an individual, partnership, or corporation who offers an action or service and is required to post a bond. Once bonded, the surety guarantees that he perform as promised.
  • 3. The Obligee--Is an individual, partnership, corporation, or a government entity which requires the guarantee that an action or service will be performed. if not properly performed, the surety pays the obligee for any damages or fullfills the obligation.

Our Services

Find the Surety Bond You Need. We have it!

Surety bonds are usually required by law or convention as part of a license, registration or contract bid. These bonds are a form of insurance and can only be sold by licensed insurance agents. A bonding agency will be an insurance agency that provide business with the bonds they need.

Types of Surety Bonds

Surety bonds provide a guarantee that the bond buyer will meet certain financial requirements. Some professions or types of business licenses require the owner or company to purchase a bond. Construction companies use bid and performance bonds to guarantee that the contracts they will be completed according to the contract specifications. Probate Courts require bonds to show the financial ability to meet court-mandated payments or other requirements. Public officials such as judges and tax collectors may also be required by state law to buy a bond.

Probate Bonds

A probate bond is essentially the same as an estate bond, executor bond, or fiduciary bond. When a person dies, usually a will is left. The probate bond, purchased by the will executor, ensures that the wishes of the deceased as expressed in the will are carried out ethically and honestly. Probate is the court-supervised process of gathering the deceased person’s assets, paying debts and taxes, and distributing what’s left to inheritors. Unless family members or creditors are fighting, there’s very little court supervision. Mostly, probate is paperwork.

  • Conservatorship—Acting for Adults Who Become Disabled. A conservator is responsible for the collection, preservation, and investment of the individual's property and must use the property for the support, care, and benefit of the individual and his or her dependents. A conservator has a duty of loyalty and may not use any of the individual's assets for his or her own personal benefit. The court typically requires the filing of a fiduciary bond.
  • Duties of an Appointed Personal Representative. Once appointed and qualified the power and duties of a personal representative appointed by either informal proceedings or formal proceedings are virtually the same. Letters of Authority For Personal Representative ( PC 572) will be issued by the court or register once the personal representative qualifies by filing an Acceptance of Appointment ( PC 571) and a bond if bond is required.

Fidelity Bonds

The Bond Agency writes all types of Fidelity Bonds (also know as Dishonesty Bonds) for all types of businesses. These bonds protect a business against theft by employees. In many cases a Fidelity Bond can be written to provide coverage to a third party (i.e. customers of the business). Business Service Bonds / Janitorial Service Bonds are examples of bonds that extend third party coverage. If you are a janitorial service company and you wish to obtain third party Fidelity coverage to protect your customers, select the Business Services Bond. We also write standard Fidelity Bonds for businesses. We have applications for bond limits below $500,000 as well as above $500,000. Business Services Bond. Required of small businesses such as janitorial services and home health care services, or any business that provides their service inside of another premises. ERISA Bonds. Bonds required to comply with Federal Statutes governing 401(k) and other retirement accounts.

License and Permit Bonds

We write all types of License & Permit Bonds for businesses and individuals. For example… Plumbers & Electricians License bonds, Contractors License bonds, Auto Dealer & Mortgage Brokers Bonds, and many, many more! These bonds guarantee that the Principal will perform their obligations under the license or permit. A bond issued by a us guarantees to the Owner (Obligee) that the Contractor (Principal) will complete the work in accordance with the contract. These Bonds are typically issued for an amount equal to the contract amount. The contract is referenced in the performance bond and the performance bond guarantees every line and every word of the contract.

Notary Bonds

A Notary bond is a financial guarantee Notaries purchase from a surety company. The bond ensures that, as a Notary, you will fulfill all obligations to protect the public from financial harm resulting from any wrongdoing on your part when performing notarial duties The purpose of a notary bond–surety bond–is to protect the public in case of financial damages that are caused by incorrect notarization. In other words, in the rare event a notary commits fraud or malpractice that could result in a client's financial loss, the notary bond will protect that client. Your state-required Notary Bond protects the public. Notary E&O Insurance protects you.


Final Expense Life Insurance

Final expense insurance is a type of whole life insurance designed to cover medical bills and funeral expenses when you pass. A final expense policy is also known as burial or funeral insurance and is popular with seniors.

    Most final expense plans have these features:
  • Whole life insurance – no expiration if premiums are paid
  • Cash value – insured may be able to take out a policy loan
  • Fixed premiums as long as they’re paid
  • Simplified issue – usually no medical exam is required, just health questions on the application
  • Easy application process
  • Fast approvals – coverage can often be issued in days
  • Affordable rates