Michigan Highway, Street & Bridge Construction Contractor (Class A)
Official statutory licensing standards, state surety bond mandates, and commercial liability minimums overseen by the Michigan Department of Licensing and Regulatory Affairs (LARA).
Contractor Liability & Bond Premium Estimator
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*Estimates based on standard market rates for commercial artisan contractors. Exact quotes require underwriting review of prior loss history, specific endorsements, and payroll declarations.
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Highway, Street & Bridge Construction Contractor (Class A) Scope of Work & Legal Permitting Authority
Heavy highway contractors build interstate overpasses, reinforced concrete bridge piers, culverts, and asphalt freeways.
Defined Authorized Scope of Construction:
Bridge superstructure girder erection, cast-in-place bridge decks, highway sound walls, stormwater retention culverts, and DOT paving.
Mandatory Experience Prerequisites
5 years DOT bridge deck casting, post-tension girder placement, highway drainage culverts, and state DOT prequalification
Required Insurance Policy Endorsements
DOT Broad Form Contractual Liability, High-Limit Excess Umbrella ($10M+), Full XCU
Ready to file with the Michigan Department of Licensing and Regulatory Affairs (LARA)?
Make sure your General Liability Certificate (listing the state board as certificate holder) and your statutory $10,000 Maintenance & Alteration Bond are electronically active prior to submitting application fees.
Michigan Highway & Bridge Contractor Compliance & Insurance FAQs
Direct answers on state licensing prerequisites, insurance thresholds, and surety bond regulations.
Do I need a state license to work as a Highway & Bridge Contractor in Michigan?
Yes. In Michigan, performing highway & bridge 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.
What are the general liability insurance requirements for a Highway & Bridge Contractor in Michigan?
While specific municipal requirements can exceed state minimums, contractors typically must carry at least $5,000,000 Each Occurrence / $10,000,000 General Aggregate. General liability coverage protects your business against third-party bodily injury, property damage, and completed operations claims during and after construction.
How much does a Michigan Highway & Bridge Contractor surety bond cost?
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 $350 and $525 per year (1% to 2% of total bond penalty value). Contractors with lower credit scores can expect rates between $630 and $875 annually.
Is workers' compensation insurance required for Highway & Bridge Contractors in Michigan?
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.
Does Michigan offer contractor license reciprocity for Highway & Bridge Contractors?
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.
Compare Highway & Bridge Contractor Rules in Reciprocal & Regional States
Review statutory licensing, bond costs, and reciprocity waiver rules for this classification across neighboring jurisdictions.
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