Understanding Contractor Insurance
Contractors face exposures that can vary by trade, project size, equipment, employees, and subcontractor relationships.
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A contractor insurance program may include:
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General Liability Insurance
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Commercial Auto Insurance
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Workers Compensation Insurance
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Tools & Equipment Coverage
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Commercial Property Insurance
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We help contractors understand coverage options and build protection that supports long-term business growth.
Coverage Built Around the Way You Operate
No two contractors operate the same way. Electricians, HVAC contractors, landscapers, roofers, and plumbers all face different risks.
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A contractor insurance program may help protect:
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Job Sites
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Equipment & Tools
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Company Vehicles
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Employees & Subcontractors
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Customer Property
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Many Contractors Don't Realize Where They're Exposed
Coverage gaps often appear when businesses grow, hire employees, add vehicles, purchase equipment, or take on larger projects.
We help contractors review:
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Liability Exposure
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Equipment & Tool Protection
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Vehicle Risks
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Employee & Payroll Changes
We identify exposures and build protection designed around your business.
What insurance does a contractor need?
Coverage needs vary by trade but often include general liability, commercial auto, workers compensation, and equipment coverage.
Are subcontractors covered under my policy?
Coverage varies by carrier and policy structure. It is important to review subcontractor relationships carefully.
Do I need workers compensation if I hire employees?
Michigan law may require workers compensation coverage depending on your business structure and workforce.
Does contractor insurance cover tools and equipment?
Yes, many policies offer protection for tools, equipment, and materials used in daily operations.
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Protection Built for Growing Contractors
From job sites and equipment to vehicles and employees, we'll help you build protection that fits your business.
Review Your Coverage.
Let's review your risks and coverage options.
Let's review your workplace risks.