Michigan Contractors' Commercial Insurance

Contractors like you face unique risks and exposures to loss. Top O' Michigan Insurance partners with the top insurers to develop specific coverage solutions to protect your business.  These unique coverages and services aim to close gaps that may exist in your current insurance program — all available at competitive price.

Tailored Coverage for:

• Property
• General Liability
• Tools/Equipment
• Workers Compensation (Pay-As-You-Go Available)
• Contractor's Errors and Omissions
• Commercial Auto
• Excess Liability (Umbrella)
• Bonds
• Builders Risk
• Employee Benefits
• Contractors Environmental Pollution Liability

Quote your business insurance solution!

Do I Need Errors & Omissions

Simply put, Yes!  This is coverage tailored to your needs should one of your customers suffer an economic loss from an error, act, or omission, whether caused by faulty work, or defective materials or products you sell or install. Contractors E&O provides important coverage above and beyond that provided by general liability. Contact us today for more information.

Guidance for construction contractors mitigating coronavirus risks

The impacts of the coronavirus on the construction industry are serious and widespread.  In some areas, construction has already been suspended and it is likely that there will be more project suspensions in the future.

Even on projects where work continues, productivity and operations are adversely affected.  Check out this information from Property Casualty 360 on what contractors can do to avoid losses, mitigate the impacts and prepare for what's to come.   It includes information on:

• Contract terms
• Suspension clauses
• Changes in insurance coverage
• Safety issues and more...

Construction safety starts with a competent person

The competent person has a significant responsibility overseeing the safety and proper training of work crews and worksites. Learn more about building a solid foundation for your construction business here.