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Insurance for Michigan contractors
From a one-truck handyman to a multi-crew GC, contractor insurance has more moving pieces than most. We help Michigan trades package general liability, workers' comp, commercial auto, builders risk, tools, and bonds — with carriers that actually want the work.
Coverages contractors typically need
- General Liability (third-party injury and property damage)
- Workers' Compensation
- Commercial Auto (owned and hired/non-owned)
- Builders Risk (project-specific)
- Tools and inland marine equipment
- Surety and license bonds
- Umbrella / excess liability
- Pollution and professional liability (where applicable)
Trades we routinely write in Michigan
- General contractors and remodelers
- HVAC, plumbing, and electrical
- Roofers, siding, masonry, and concrete
- Excavation and site work
- Landscaping and tree services
- Specialty subcontractors
Contractors insurance, answered
What insurance do contractors need in Michigan?
Most contractors carry a mix: general liability, workers’ compensation, commercial auto, tools and equipment (inland marine), and often builders risk per project, surety or license bonds, and umbrella. The right mix depends on your trade. Coverage is subject to underwriting.
Why do I need a certificate of insurance (COI)?
General contractors and clients usually require a COI before you start work, as proof of coverage. We issue COIs quickly so you don’t lose a job waiting on paperwork.
Does general liability cover my tools and equipment?
Usually not — tools and equipment are covered under inland marine (a “tools floater”), separate from general liability. We make sure your gear is covered on the jobsite and in transit.
Do I need a license bond or surety bond?
Often. Many Michigan municipalities and project owners require license bonds or bid, performance, and payment bonds. We have access to multiple surety markets to get you bonded.
Do I need workers’ comp if I use subcontractors?
Possibly. Uninsured subs can become your responsibility, and clients often require coverage. We help you structure coverage and collect your subs’ certificates so you’re protected.
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