Contractor & Trades Insurance in Michigan
Working in clients' homes and on job sites creates daily liability exposure. Michigan contractors need coverage that protects their tools, their trucks, their workers, and their completed work.
What Is Contractor Insurance?
Michigan contractors — plumbers, electricians, carpenters, roofers, HVAC technicians, painters, and general contractors — work in environments they don't control, with employees and subcontractors, using expensive tools and vehicles. A single property damage claim or job-site injury can cost more than a year's revenue without the right coverage. Knight Family Agency builds contractor insurance programs through Farmers for skilled trades and home building services businesses across West Michigan, from solo operators to multi-crew operations.
Knight Family Agency serves West Michigan with Farmers Insurance products tailored to Michigan families and businesses.
What's Included
The foundation of every contractor's policy. Covers third-party bodily injury and property damage on job sites — including accidentally breaking a client's property, a visitor tripping over tools, or damage to a neighboring property.
Your tools are your livelihood. Covers hand tools, power tools, ladders, compressors, and portable equipment against theft from job sites, vehicles, or your shop. Often overlooked until a truck break-in wipes out thousands in tools.
Personal auto policies exclude business use. Trucks and vans used to carry tools, materials, or employees to job sites need commercial auto coverage for liability, collision, and comprehensive.
Michigan law requires workers' comp if you have employees. It covers medical bills and lost wages for workers injured on the job — and protects you from employee lawsuits. Even owner-operators should consider covering themselves.
Covers claims that arise after a job is finished — like a roof that leaks, a pipe that fails, or electrical work that causes a fire months after project completion. A critical coverage for every Michigan contractor.
Design-build contractors, architects' subcontractors, and specialty trades that provide project specifications or drawings need errors and omissions coverage for claims arising from professional advice or design mistakes.
Who Needs This Coverage
Managing subcontractors, overseeing job sites, and taking on projects from clients' homes to commercial builds creates multi-layered liability exposure.
Working inside clients' homes with water systems and high-value HVAC equipment creates significant property damage exposure.
Electrical work errors can cause fires, power failures, and equipment damage long after the job is complete. Completed operations coverage is essential for electricians.
Roofing is one of the highest-risk trades — height-related injuries, weather exposure, and structural liability make comprehensive coverage non-negotiable.
Working in occupied spaces with finished surfaces creates daily property damage exposure. One spilled can of paint on hardwood floors can trigger a major claim.
Equipment operation near client property, employees working with power tools, and completed work liability (grading, drainage) all require contractor-specific insurance.
Frequently Asked Questions
Protect Your Michigan Contracting Business
Get a contractor insurance quote from Knight Family Agency — we serve tradespeople and builders across West Michigan.