General Contractor Insurance in Michigan

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Why do Michigan general contractors need insurance?

Construction is among the largest industries in Michigan. It is estimated that around 82,454 sole-traders are employed in the industry. A majority of them are general contractors registered with the state.

Construction sites are dangerous places to be. An accident can lead to costly liability issues for your small companies, regardless of whether you work on commercial or residential projects. Insurance for contractors for Michigan businesses helps prevent mishaps, unexpected delays, or other issues that can ruin the hard work you’ve put into it.

Contractor insurance is a variety of kinds of insurance that a general contractor might consider.

  • General Liability insurance
  • Business Owner’s Policy
  • Workers’ Compensation insurance

Learn more information about Michigan contractor insurance and how BizInsure can help you to find the most suitable insurance for your needs.

Who needs contractor’s insurance in Michigan?

A lot of contractors buy insurance to protect both their finances and business. General Liability coverage and other types of policies can act as a safety net for both your business and yourself.

Some clients may require specific kinds of insurance (this is often stipulated in contract). Workers’ Compensation insurance in Michigan is mandatory for any business with more than one employee.

Select your profession to find out more about the options for insurance available and begin with a quote to get a customized insurance quote.

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What are common contractor insurance policies in Michigan?

Michigan contractors should think about various kinds. These policies might help in reducing the typical risks that general contracting companies face.

General Liability insurance

Also referred to as Commercial General Liability (CGL) or “slip and fall coverage”, this insurance can protect your business against bodily injury or property damage lawsuits from outside parties.

Business Owner’s Policy

Business Owner’s Policy (BOP) is a convenient package of insurance that protects your business against the common risks it faces every day. The BOP product includes various coverages that may suit the unique requirements of your small business. Insurance included in a BOP can vary but usually they include protection for typical small business risks such as property damage, business interruption and liability.

Workers’ Compensation insurance

Workers’ Compensation insurance protects your company and its employees. If any of your employees get injured at work or are ill, this type of insurance will cover their medical bills. It will also cover some of their lost income if they’re unable to work because of the injury, as well as rehabilitation or physical therapy to transition the employee back into the workplace.

What does contractor insurance cover in Michigan?

Contractor insurance can cover you for a variety of different risks. Depending on what type of insurance you select, your business may be covered against:

  • Third-party injury and property damage claim (General Liability insurance for Michigan contractors)
  • Unexpected business disruptions (Business Owner’s Policy).
  • Equipment breakdown
  • Workers are ‘injured and ill-health at work

How much does contractor liability insurance cost in Michigan?

If you plan to start a contracting company but aren’t aware of how much contractor insurance will cost in Michigan.

The cost of business insurance varies due to the fact that insurers take a variety of factors into account when they determine a business’ premium. The cost of your business may depend on such things as:

  • What type of insurance you might need
  • The size of your business (annual revenue).
  • How many individuals will be covered under the policy
  • Your claims history
  • The the amount of coverage you want to purchase

How to get general contractor insurance in Michigan?

The protection of your contracting business is easy by using BizInsure.

In just 10 minutes you can compare quotes to find coverage that suits your needs, budget and needs. The policy document is delivered straight to your mailbox.

Need help? Our licensed agents are happy to help at any stage in the process!

Compare quotes now to determine the most suitable insurance for your Michigan general contractor company.

As with any insurance, coverage will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this guide is general only and should not be relied upon as advice. The number of quotes provided varies between products, occupations and other underwriting factors determined by the insurers.
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