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Whether you're bidding an Emmet County road project, a Bay Harbor build, or a commercial job downtown, Top O' Michigan helps Petoskey-area contractors secure the bonds owners require — with access to more than 20 of the country's top surety markets and an agent right here in Michigan.
Petoskey contractors compete for everything from municipal and county work to resort, marina, and commercial construction around Little Traverse Bay. Most of those owners require a bond before you can bid — and the contractors who win consistently are the ones whose bonding is already in place and growing with them.
As an independent agency, we negotiate your bonding directly with the surety, manage your bonding line as your jobs get larger, and work to raise your bonding capacity so you're ready for the next opportunity. You work with a local Michigan agent who answers the phone, not a national call center.
Submitted with your bid to guarantee you'll take the contract and provide the required bonds if you win.
Guarantee the owner that the project will be completed according to the contract.
Assure that your subcontractors and suppliers on the job will be paid.
Many license, permit and small contract bonds can be quoted and purchased online in minutes through our bonding portal. For larger or harder-to-place bonds, talk with a local agent and we'll shop the surety markets for you.
Bonding is subject to underwriting and surety approval. No bond is in force until issued and confirmed by an authorized representative. This page is a general overview, not a contract — contact a local Top O' Michigan agent for terms that apply to your project.
Right here. We place bid, performance, and payment bonds for Emmet County contractors, with access to 20+ surety markets and a local agent who knows the work in the area.
Usually the three core bonds: a bid bond to bid the job, a performance bond to complete it, and a payment bond to pay your subs and suppliers. License or permit bonds may apply too.
We’re set up for quick turnaround on time-sensitive bids, including smaller bonds. Get us your details and we’ll move fast so you don’t miss a deadline.
Sureties look at your experience, financials, and credit to set your capacity and rate — typically a small percentage of the bond amount. We negotiate directly with markets on your behalf.
Yes. We build a bonding-capacity strategy so you can pursue bigger Emmet County projects as your business grows.
Get your bonding in place before the deadline. Talk with a local Michigan agent today.
