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A few short minutes can save you up to 65% or more
with Michigan's top contractors' insurance programs –




Contractors Insurance

Stop overpaying for coverage in the Great Lake State!
A few short minutes can save you up to 65% or more with Michigan’s top contractors’ insurance programs –

Coverage for Michigan Contractors

With unparalleled access to our country's top wholesale specialty markets, our Michigan Contractors Insurance programs provide cost-effective coverage tailored to each construction trade's business operation –

What is Michigan Contractors’ Insurance?

Michigan contractors’ insurance protects against the financial risks involved throughout all stages of business operations.

Why Do I Need It?

From Houghton to Detroit, Michigan contractors of all trades and sizes face numerous hazards. They rely on dangerous tools and specialized equipment that increase the risk of accidents and property damage. Employees are exposed to serious workplace injuries from falls, electric shock, being struck by objects, or equipment mishaps. Moreover, an unexpected lawsuit could wipe out a small business without adequate insurance coverage.

Comprehensive contractors’ insurance coverage is not just a luxury but a necessity. It’s the most common and reliable way for construction businesses to mitigate the risk of financial loss due to unexpected business claims.

Protect Against the Unpredictable

Builders and tradesmen intending to work in Michigan should consult the Michigan Department of Licensing and Regulatory Affairs (LARA) to ensure full compliance with laws, regulations, required fees, and documentation before commencing operations. This step is crucial for your business’s success and longevity.

With rates that suit any budget, our team of commercial insurance professionals is ready to assist Michigan contractors in crafting custom insurance solutions that shield against third-party claims.

Our Recommended Products

General Liability

Michigan contractors’ general liability is a crucial component of a comprehensive commercial insurance package.

A Michigan contractors’ liability policy, also referred to as Michigan contractors’ business insurance, safeguards construction firms from third-party legal claims arising from business operations or products.

Michigan contractors’ general liability insurance encompasses:

  • Business Liability
  • Contractual Liability
  • Defense Costs
  • And Additional Protections

Workers' Comp

A Michigan contractors’ workers’ comp policy offers three main categories of benefits for workers injured on the job:

  • Medical Benefits
  • Lost Wages
  • Death Benefits

Employers operating in Michigan are obligated to provide their employees with Michigan contractors’ workers’ compensation insurance.

For detailed information on employer coverage obligations, please refer to the Michigan Department of Labor and Economic Opportunity website to review Michigan contractors’ workers’ comp laws and regulations.

Surety Bonds

Different contractors might need to submit a Michigan contractor bond to meet pre-licensing standards.

It’s important to note that a Michigan contractors’ surety bond should not be mistaken for a Michigan contractor insurance policy. While they serve different purposes, surety bonds function similarly to a business line of credit, ensuring protection for consumers in case of potential default or failure to fulfill contractual commitments.

For significant projects and dealings with governmental bodies, a Michigan contractors’ surety bond may be mandatory prior to bidding.

Commercial Auto

Michigan contractors’ commercial auto insurance safeguards your business vehicles for liability in situations where you or an insured driver are responsible for an at-fault accident.

A Michigan contractors’ commercial auto policy offers protection for your business vehicles and trailers in the event of accidents, theft, or vandalism.

Michigan contractor business auto insurance provides increased coverage limits, additional coverage options such as hired and non-owned liability, and usually does not impose limitations on the number of insured vehicles or drivers on the policy.

A Michigan contractor commercial auto policy includes coverage for:

  • Property Damage
  • Bodily Injury
  • Comprehensive Damage
  • Collision Damage
  • Hired & Non-Owned Vehicles
  • And more

Inland Marine

A Michigan contractors’ tool and equipment policy provides financial protection for business equipment, tools, products, and materials situated at a construction site, during transportation, or while stored at an off-site location.

Michigan contractors’ inland marine insurance offers coverage against a wide range of common risks, including:

  • Wind Damage
  • Hail Damage
  • Fire Damage
  • Water Damage

Moreover, Michigan contractors’ inland marine insurance offers specialized coverage for “installation” risks, vandalism, damages, lost or stolen items, and damage to leased or rented equipment.


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