Michigan Contractors' Commercial Insurance
Contractors like you face unique risks and exposures to loss. Top O' Michigan Insurance partners with the top insurers to develop specific coverage solutions to protect your business. These unique coverages and services aim to close gaps that may exist in your current insurance program — all available at competitive price.
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Contractor Insurance Pricing: What You Can Expect
We get it—contractors want straightforward answers when it comes to insurance pricing. While rates vary based on your trade, revenue, number of employees, and coverage needs, here’s a general idea of what to expect:
| Coverage Type |
Estimated Monthly Premium |
| General Liability Only |
$65 – $200+ |
| General Liability + Tools/Equipment |
$90 – $250+ |
| Workers' Compensation |
$75 – $300+ per employee |
| Commercial Auto |
$100 – $300+ per vehicle |
| Full Contractor Package (GL + Comp + Auto + Inland Marine) |
$250 – $850+ |
Example: A small remodeling contractor with no employees might pay around $90/month. A mid-sized builder with a few trucks and subcontractors may be closer to $400–$800/month.
What Affects Your Pricing:
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Type of contracting work (e.g., roofing is higher risk than painting)
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Gross annual revenue
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Number of employees and subcontractors
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Claims history
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Tools and equipment you want covered
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Vehicle use and number of autos
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We make it fast and easy. Whether you're just starting out or managing crews across Michigan, we’ll help you find the right coverage at the best value.
