(800) 686-8664    

      Easily quantifiable costs: Building Materials, Equipment, Temporary Structures, Site, Overhead, etc.

      Architectural, engineering, financing, and legal fees

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      I understand that insurance coverage is not bound or altered until I receive confirmation by an authorized representative of Top O' Michigan Insurance *

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      Get a Builders Risk Insurance Quote

      Please complete this form to request a quote for your Builders Risk

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       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.

      What Makes Our Program Different?

      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!    

      Coverage is for damage and materials from:

      • Fire
      • Wind
      • Theft
      • Explosions
      • Lightning
      • Hail
      • Vandalism
      • Flood and Earth Movement Coverage(Available up to $5,000,000)

      Coverage for:

      • Custom Homes
      • Condos or Town Homes
      • Commercial Buildings
      • Remodels / Renovations
      • Model Homes and Sales Office Coverage
      • Homes Pending Sales

      Program Highlights

      • Broad Named Insured - Includes the interest of all Contractors, Sub-Contractors and Owners
      • Equipment Breakdown Included
      • Permission to Occupy Included
      • Replacement Cost w/ NO Co-Insurance
      • Include coverage for:
        • Soft Costs
        • Debris Removal Expenses
        • Emergency Removal Expense
        • Fraud and Deceit
        • Limited Fungus Coverage
        • Contractual Penalty
        • Expediting Expenses
        • Fire Departments Services Charges
        • Pollutant Cleanup and Removal
        • Ordinance or Law(Undamaged parts of a building)–Increased Cost-Repair & Clear Site
        • Property in Transit
        • Re-erecting Scaffolding
        • Nonadjacent roads and walkways
        • Trees, Shrubs, and Plants
        • Valuable Papers
        • Classic, Premier, or Platinum Package Highlights

      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

      455 Bay St, Ste C
      Petoskey, MI 49770

      Local: (231) 347-4610

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

      Local: (989) 705-8664