Top O' Michigan Insurance Solutions

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.

Tailored Coverage for:


Let's talk about your business insurance solution!

Do I Need Errors & Omissions

Simply put, Yes!  This is coverage tailored to your needs should one of your customers suffer an economic loss from an error, act, or omission, whether caused by faulty work, or defective materials or products you sell or install. Contractors E&O provides important coverage above and beyond that provided by general liability. Contact us today for more information.


Guidance for construction contractors mitigating coronavirus risks

The impacts of the coronavirus on the construction industry are serious and widespread.  In some areas, construction has already been suspended and it is likely that there will be more project suspensions in the future.

Even on projects where work continues, productivity and operations are adversely affected.  Check out this information from Property Casualty 360 on what contractors can do to avoid losses, mitigate the impacts and prepare for what's to come.   It includes information on:

  • Contract terms
  • Suspension clauses
  • Changes in insurance coverage
  • Safety issues and more...

Construction safety starts with a competent person

The competent person has a significant responsibility overseeing the safety and proper training of work crews and worksites. Learn more about building a solid foundation for your construction business here.


Our Locations

Alpena
514 N Ripley Blvd
Alpena, MI 49707

(989) 356-6133

Hillman
150 State St
Hillman, MI 49746

Local: (989) 742-4574

Oscoda
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

Mio
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

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

Local: (231) 347-4610

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

Local: (989) 705-8664