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Answer a few questions about your trade and crew, and get a real-world starting range in about two minutes — general liability, workers' comp, tools, and more. When you're ready for actual numbers, a local Top O' Michigan agent shops your account across our carrier panel.
A few quick questions about your trade, your crew, and the work you take on. You'll see a starting range for the coverage contractors carry most — like general liability and workers' comp.
Estimates are a starting range for orientation only — not a quote or an offer of coverage. Final pricing is subject to carrier underwriting, and coverage is not bound or altered until confirmed by an authorized representative.
The estimate above is a starting range. Your actual quote depends on factors like these — some of which you can control.
Electricians, roofers, excavators, and finish carpenters all carry different risk. Insurance class codes group trades by hazard, and rates follow.
General liability and workers' comp are usually rated on payroll and sales. As your crew and contracts grow, premiums scale with you.
Prior claims follow your business on loss runs for three to five years. A clean record is one of the strongest pricing levers you have.
Subs without their own coverage and certificates can land on your policy at audit time. Good certificate habits keep costs down.
Scheduled equipment, trailers, and work trucks each add coverage. Replacement-cost values matter more than what you paid.
Project owners and GCs often dictate the limits and bonds you carry. Higher limits cost more — but they open bigger doors.
It's a starting range based on industry rate data for Michigan trades like yours — useful for budgeting, not a quote. Your actual premium depends on your payroll, claims history, and carrier underwriting. Coverage is not bound or altered until confirmed by an authorized representative.
Most Michigan contractors carry general liability, workers' compensation, and commercial auto, and many add tools and equipment coverage, builders risk for projects, an umbrella, and bonds when contracts require them. The right mix depends on your trade and the jobs you take.
Two contractors with the same revenue can pay very different premiums. Class codes, payroll split between field and office, subcontractor habits, equipment values, and loss history all move the number — which is why a range beats a single figure.
Generally, yes — Michigan law requires most employers to carry workers' compensation coverage, with limited exceptions. A local agent can walk through how the rules apply to your crew and your subs.
Start a commercial quote or call (800) 686-8664. A local agent gathers a few details, shops your account across our carrier panel, and comes back with real options — no pressure, no obligation. All quotes are subject to underwriting.
A local Michigan agent will shop your trade across our carrier panel and walk you through the options — no pressure, no obligation.
