Contractor Insurance Checklist: Essential Coverage for Michigan Trades

# Contractor Insurance Checklist for Michigan Running a successful contracting business in Michigan requires the right insurance protection. Here's everything you need to know about insuring your trade business. ## General Liability Insurance This is your foundational coverage. General liability protects you against third-party claims for: - Bodily injury (someone gets hurt on your job site) - Property damage (you accidentally damage a client's property) - Personal and advertising injury Most general contractors require $1 million in coverage per occurrence, and many job sites won't let you work without proof of insurance. ## Commercial Auto Coverage If you use vehicles for your business - even your personal truck to haul tools and materials - you need commercial auto insurance. Personal auto policies typically exclude business use, which means you could be denied coverage after an accident if you were working. Commercial auto covers: - Vehicle damage - Liability for accidents - Medical payments - Uninsured/underinsured motorist coverage ## Tools & Equipment Coverage Your tools are your livelihood. Inland marine insurance (also called tools and equipment coverage) protects your tools whether they're: - At your shop or warehouse - In your truck or trailer - On the job site - In temporary storage This coverage protects against theft, damage, and loss - common risks for contractors who move equipment between job sites. ## Workers Compensation If you have employees, Michigan law requires you to carry workers compensation insurance. Even if you're the only person working, many general contractors require all subs to have workers comp coverage. Workers comp covers: - Medical expenses for work-related injuries - Lost wages during recovery - Disability benefits - Death benefits for families ## Getting Your COI Fast Most job sites and general contractors require a Certificate of Insurance (COI) before you can start work. At Janus Insurance, we understand the urgency - we typically issue COIs within 24 hours, often same-day for existing clients. ## Ready to Protect Your Business? Don't risk your contracting business by being underinsured. Our experienced agents understand the Michigan trades industry and can help you get the right coverage at competitive rates. Call us today for a free quote.