Contractor Insurance
in Michigan
Secure Your Projects and Meet Michigan’s Contractor Insurance Requirements
If you’re a contractor in Michigan, carrying the right insurance isn’t optional—it’s required. Whether you’re a licensed builder or a maintenance and alteration contractor, the state mandates general liability coverage to secure your license. And if you have employees? Workers’ comp is non-negotiable.
At ACI, we provide affordable, compliant coverage designed specifically for Michigan contractors. From fast certificates to bundled plans, we help protect your projects, your crew, and your reputation.
Why Contractors in Michigan Choose ACI
Fast Quotes
Quick, personalized quotes delivered online or by phone.
Responsive Support
Expert help when you have questions or compliance concerns.
Coverage That Fits
We tailor every policy to your trade and risk level.
Same-Day Proof
Need a certificate for a job or permit? We’ve got you.
Insurance Coverage We Offer in Michigan
Our policies are designed for general contractors and specialty trades throughout Michigan. Key options include:
- General Liability Insurance
Required for most licensed contractors. Covers property damage, injuries, and legal claims related to your work.
- Workers’ Compensation Insurance
Mandatory if you have employees. Covers job-related injuries, medical bills, and lost wages.
- Commercial Auto Insurance
Protects vehicles used for business—from trucks to trailers—against accidents, theft, and damage.
- Tools & Equipment Insurance
Covers your gear from theft or damage whether it’s on-site, in storage, or in transit.
- Builder’s Risk Insurance
Covers the structure, materials, and equipment during construction or remodeling projects.
- Professional Liability Insurance
Protects against errors or omissions if you offer design or consulting services.
Who We Cover in Michigan
We insure all kinds of Michigan contractors—from one-person startups to established multi-crew operations. Here are just a few:
- General Contractors
- Electricians
- Plumbers
- Roofers
- HVAC Technicians
Whether you’re building homes in Detroit or rewiring kitchens in Grand Rapids, ACI has coverage designed for how you work.
How Much Does Contractor Insurance Cost in Michigan?
Contractor insurance costs in Michigan depend on your trade, business size, and risk tolerance. Here are the top factors that affect your premium:
Cost Factors
- Type of Trade (e.g., Roofing vs. Landscaping)
Riskier trades like roofing usually cost more to insure than lower-risk work like landscaping.
- Annual Revenue
Higher revenue often means more exposure—so premiums may be higher.
- Number of Employees
More team members means more payroll and a bigger workers’ comp bill.
- Coverage Limits and Deductibles
Higher limits = more protection (and more cost); higher deductibles = lower premiums.
- Claims History
A clean claims record keeps your rates low, while past claims may raise them.
Typical Deductibles:
Policy Type | Typical Deductible |
General Liability | $500–$1,000 |
Builder’s Risk | $1,000+ |
Workers’ Comp | $0 deductible |
Ready to find out what coverage looks like for your trade and budget?
Michigan Contractor Insurance Requirements
General Liability Insurance
Required for most residential builders and M&A contractors. Must show proof to obtain or renew a license.
Workers’ Compensation Insurance
Legally required for businesses with one or more employees.
Commercial Auto Insurance
Mandatory for vehicles registered for business use.
Requirements vary by trade and county. We’ll help you navigate the specifics.
Get a Free Contractor Insurance Quote
in Michigan
We simplify the process—fast, affordable coverage built for your trade and local requirements.