Michigan contractors insurance

Licensing & registration in Michigan

Contractor licensing in Michigan is handled at the state and/or local level and can vary by trade and project size — residential builders and maintenance/alteration contractors are commonly licensed at the state level, and trades such as electrical, plumbing, and mechanical carry their own licensing. Verify the current requirement with your state licensing board (and the local jurisdiction where you work) before bidding.

Many licensing bodies require a license or registration bond, which guarantees something to the public and is distinct from liability insurance. Requirements vary by jurisdiction and trade, so confirm what applies before you start.

Coverages Michigan contractors carry

• •General liability — generally intended to respond to third-party injury and property damage from your work, including completed-operations claims that surface after a job.
• •Workers’ compensation — required in most states once you have employees, and commonly required of subs by the GCs who hire them.
• •License / registration bond — a guarantee to the public required by many licensing bodies; distinct from your liability insurance.
• •Tools & equipment (inland marine) — optional coverage generally intended to address loss or damage to your own gear.
• •Commercial auto — for work trucks and vans; personal auto typically excludes business use.

Who needs it in Michigan

Common Michigan users include home builders and remodelers, roofers, electricians, plumbers, HVAC, and landscapers across Detroit, Grand Rapids, Ann Arbor, and Lansing.