Michigan Flooring & Floor Covering Contractor (C-15)

Yes. In Michigan, performing flooring contractor contracting work requires regulatory approval overseen by the Michigan Department of Licensing and Regulatory Affairs (LARA). Operating without proper credentials can subject contractors to stop-work orders, administrative citations, and fines.

While specific municipal requirements can exceed state minimums, contractors typically must carry at least $300,000 - $500,000 Each Occurrence / $1,000,000 General Aggregate. General liability coverage protects your business against third-party bodily injury, property damage, and completed operations claims during and after construction.

The statutory bond requirement in Michigan is generally $10,000 Maintenance & Alteration Bond. With good credit (scores above 680), an annual surety bond premium typically costs between $120 and $180 per year (1% to 2% of total bond penalty value). Contractors with lower credit scores can expect rates between $216 and $300 annually.

Mandatory for employers with 3+ employees or 1+ employee working 35+ hrs/wk. Regardless of state minimum thresholds, commercial project owners, general contractors, and municipal permitting offices almost always mandate a valid Certificate of Insurance (COI) listing workers' comp before releasing jobsite access.

Michigan generally does not maintain formal universal trade exam reciprocity agreements for this classification; applicants must satisfy Michigan's specific experience verification and examination standards.