Contractors Insurance in Michigan & Wisconsin

Protect Your Business, Equipment, Employees, and Reputation

As a contractor, every job site presents unique risks. Whether you're building, repairing, installing, remodeling, or maintaining property, one accident or lawsuit can have a significant financial impact on your business.

 

Contractors Insurance helps protect your company from many of the risks associated with working on customer property, operating vehicles, managing employees, and completing projects.

 

At M&M Insurance Agency, we help contractors throughout Michigan and Wisconsin build insurance programs designed for their specific trade and business operations.

 

Who Needs Contractors Insurance?

We work with many types of contractors, including:

• General Contractors

• Electricians

• Plumbers

• HVAC Contractors

• Carpenters

• Painters

• Roofers

• Excavation Contractors

• Concrete Contractors

• Landscapers

• Snow Removal Contractors

• Handyman Services

• Flooring Installers

• Drywall Contractors

• Siding Contractors

• Tree Service Companies

• Welding & Fabrication Businesses

 

Whether you're a one-person operation or manage multiple crews, proper insurance helps protect your business and your future.

 

What Does Contractors Insurance Include?

Contractors Insurance is often a combination of several coverages designed to work together.

 

General Liability Insurance

General Liability Insurance helps protect your business if you are responsible for:

• Bodily injury

• Property damage

• Legal defense costs

• Certain advertising injury claims

 

Examples include:

• A customer trips over equipment on a job site.

• Property is accidentally damaged during a project.

• A third party is injured due to your operations.

 

Commercial Auto Insurance

Protects vehicles used for business purposes, including:

• Pickup trucks

• Service vans

• Utility trailers

• Dump trucks

• Work vehicles

 

Coverage may include:

• Liability

• Collision

• Comprehensive

• Uninsured motorist protection

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Workers' Compensation Insurance

If you have employees, workers' compensation may be required by state law.

 

Coverage may help pay for:

• Medical expenses

• Lost wages

• Rehabilitation costs

• Workplace injury claims

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Commercial Property Insurance

Protects business-owned property such as:

• Offices

• Shops

• Storage buildings

• Equipment storage locations

• Inventory

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Inland Marine Coverage

One of the most important coverages for many contractors.

Inland Marine Insurance can help protect:

• Tools

• Equipment

• Portable machinery

• Materials in transit

• Equipment stored at job sites

 

Many contractor tools are not fully covered under standard property policies once they leave your premises.

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Additional Coverage Options

Depending on your business, additional protection may be available.

 

Installation Floater Coverage

Protects materials and equipment before installation is completed.

 

Equipment Breakdown Coverage

Coverage for certain mechanical and electrical equipment failures.

 

Commercial Umbrella Insurance

Provides additional liability protection above underlying policy limits.

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Professional Liability Insurance

May be appropriate for contractors who provide design, consulting, or professional services.

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Employment Practices Liability Insurance (EPLI)

Protection for certain employment-related claims.

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Why Contractors Need Proper Insurance

Many contractors are required to provide proof of insurance before:

• Starting a project

• Signing a contract

• Obtaining permits

• Working for municipalities

• Working as a subcontractor

 

Without adequate coverage, a contractor may be personally responsible for:

• Property damage

• Medical expenses

• Legal costs

• Lawsuit settlements

• Equipment losses

 

Certificates of Insurance (COIs)

Many contractors need Certificates of Insurance throughout the year.

 

Certificates are commonly requested by:

• General contractors

• Property owners

• Municipalities

• Property managers

• Commercial customers

We can assist with certificates when coverage is in force and proper information is provided.

 

Additional Insured Requirements

Many contracts require:

• Additional insured endorsements

• Waivers of subrogation

• Primary and noncontributory wording

 

We can help review insurance requirements and discuss available options based on carrier guidelines.

 

Common Contractor Risks

Contractors face many exposures, including:

• Customer injuries

• Property damage

• Tool theft

• Vehicle accidents

• Employee injuries

• Job site accidents

• Equipment losses

• Contractual liability

 

A properly structured insurance program helps reduce the financial impact of these risks.

 

Why Choose M&M Insurance Agency?

As a local agency serving Michigan and Wisconsin contractors, we understand the insurance requirements many contractors face.

 

We help contractors:

• Compare insurance options

• Meet contract requirements

• Obtain certificates of insurance

• Protect tools and equipment

• Review liability exposures

• Coordinate multiple policies

• Control insurance costs where possible

 

Our goal is to help you spend more time running your business and less time worrying about insurance.

 

Frequently Asked Questions

 

What insurance does a contractor need?

Most contractors should consider General Liability, Commercial Auto, Workers' Compensation, and Inland Marine coverage. Additional coverage needs vary by business.

 

Does General Liability cover my tools?

No. Tools and equipment are typically covered under Inland Marine or Equipment Coverage rather than General Liability Insurance.

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Do I need insurance if I work alone?

Many customers, contractors, and municipalities still require proof of insurance, even for sole proprietors.

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What is Inland Marine Insurance?

Inland Marine Insurance helps protect tools, equipment, and materials while away from your primary business location.

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Can I get certificates of insurance quickly?

Yes. We assist insured contractors with certificate requests as needed.