Top O' Michigan Insurance Solutions

Builders Risk

Builders Risk Insurance is insurance coverage that provides protection for damage to buildings or structures under construction, renovation or repair.  This policy can include coverage for construction materials, heating and air-conditioning equipment, labor costs and expenses in addition to temporary structures such as construction signs, false work, fencing, cribbing, scaffolding, and even trees and other plants.  A Builders Risk Insurance Policy also helps cover the costs of debris removal and defective workmanship.

This tailored coverage helps to protect the owner, the general contractor, subcontractors, and the financing bank.  Builders risk insurance is often misunderstood and the nuances of coverage are often not addressed until an actual loss occurs.

  1. Custom Homes, Condos or Town Homes
  2. Commercial Buildings
  3. Remodels / Renovations
  4. Model Homes and Sales Office Coverage
  5. Homes Pending Sales



Top O' Michigan Insurance knows you need a Builders Risk program that provides not only broad, comprehensive coverage for your projects, but at competitive pricing.  Let our Licensed Insurance Solution Providers help you find the right coverage for each structure from the day you break ground until the day the structure is sold—for up to a full 12 months!  

For more information on Builders Risk Insurance and what to include, please contact us at

Program Highlights

  • Broad Named Insured - Includes the interest of all Contractors, Sub-Contractorsand Owners
  • Equipment Breakdown Included
  • Permission to Occupy Included
  • Replacement Cost w/ NO Co-Insurance
  • Property In Transit
  • Offsite Storage
  • Trees, Plants & Shrubs
  • Contract Penalty
  • Debris Removal
  • Pollutant Clean Up
  • Sewer & Drain Backup
  • Green Coverage Available
  • Fraud and Deceit
  • Flood and Earth Movement Coverage
  • Loss of Rents

Our Locations

514 N Ripley Blvd
Alpena, MI 49707

(989) 356-6133

150 State St
Hillman, MI 49746

Local: (989) 742-4574

117 S State St
Oscoda, MI 48750

Local: (989) 739-1461

Traverse City
3183 Logan Valley Rd
Traverse City, MI 49684

Local: (231) 947-1164

607 S Morenci Ave
Mio, MI 48647

Local: (989) 826-3989

Iron River
117 W Genesee St, Ste 1
Iron River, MI 49935

Local: (906) 265-5137

322 Bay St, Ste 1
Petoskey, MI 49770-4401

Local: (231) 347-4610

440 W Main St, Ste F
Gaylord, MI 49735-1401

Local: (989) 705-8664