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Protecting Commerce Township Contractor and Construction Professionals Since 2003: The Allen Thomas Group Insurace Agency
Looking for contractor or construction insurance in Commerce Township, Michigan?
At The Allen Thomas Group Insurance Agency, we understand that running a successful contracting business in Commerce Township, Michigan, is challenging.
You face risks every day, from job site accidents to property damage.
That’s why we’re here to help you protect your business with tailored contractor insurance solutions.
Get Started With A Free Online Quote Now
How much does contractor insurance cost in Commerce Township, Michigan?
The average cost of contractor insurance in Commerce Township, Michigan is around $1,900 per year for general liability coverage. However, the exact cost can vary significantly depending on factors like the contractor’s specific trade, annual revenue, number of employees and vehicles, and types of coverage needed.
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Understanding the Risks Faced by Contractors in Commerce Township
As a contractor in Commerce Township, you encounter unique hazards on every project.
A slip and fall could lead to a costly injury lawsuit.
A fire could destroy the building you’re working on.
Your tools could be stolen from the job site.
Without the right insurance coverage, these risks could put your business in financial jeopardy.
Imagine this scenario: You’re a roofing contractor working on a new home in Commerce Township.
Suddenly, one of your workers slips and falls, suffering a severe injury.
If you don’t have workers’ compensation insurance, you could be facing a substantial out-of-pocket expense to cover their medical bills and lost wages.
The Importance of Tailored Insurance Coverage For Commerce Township, Michigan Contractors
At The Allen Thomas Group, we recognize that every trade has its own set of risks.
A plumber faces different challenges than an electrician, and a general contractor has different needs than a landscaper.
That’s why we don’t believe in one-size-fits-all insurance policies.
We take the time to understand your unique business and craft a customized insurance package that fits your needs and budget.
Whether you’re a solo handyman or a large construction company, we have the expertise to protect you.
- Covers third-party claims of bodily injury or property damage that occur as a result of your work
- Includes products-completed operations coverage for damages that occur after your work is finished
- Protects against slip-and-fall accidents, damage to client property, and other common liabilities
- Typically provides coverage for legal defense costs, settlements, and judgments
- Mandatory in Michigan if you have employees
- Covers medical expenses and lost wages for work-related injuries or illnesses
- Provides employer’s liability protection in case an employee sues you for negligence
- Offers death benefits to the family of an employee killed in a work-related accident
- Helps employees return to work through rehabilitation and vocational training
- Necessary if you use vehicles for your business
- Provides liability protection if you cause an accident
- Includes comprehensive and collision coverage for your own vehicles
- Covers vehicles owned by your business, as well as rented or leased vehicles
- Protects against theft, vandalism, and weather-related damage to your vehicles
Let’s say you’re a plumbing contractor in Commerce Township.
You have a fleet of vans that your employees use to travel to job sites.
If one of your workers causes an accident while driving a company van, commercial auto insurance would cover the damages and protect your business from a lawsuit.
- Protects your owned, rented, or leased equipment from theft, damage, or loss
- Includes inland marine insurance for equipment in transit
- Covers a wide range of equipment, from hand tools to heavy machinery
- Provides replacement cost coverage, so you can quickly get back to work after a loss
Surety Bonds
- Includes bid bonds, performance bonds, and payment bonds
- Guarantees your work and payment obligations
- Often required for public projects or by private clients
- Protects project owners against contractor default or failure to pay subcontractors and suppliers
- Can help you qualify for larger projects and boost your credibility
- Also known as errors and omissions insurance
- Covers claims arising from your professional services
- Crucial protection for contractors who provide design or consulting services
- Defends against allegations of negligence, mistakes, or failure to deliver promised results
- Pays for legal defense costs, settlements, and judgments
- Covers new construction and renovation projects
- Protects the structure against damage from fire, theft, vandalism, and weather events
- Includes installation floater coverage for materials and equipment
- Can be purchased by the project owner or the contractor
- Typically written on an “all risks” basis, providing broad coverage
Dedicated Contractor Insurance Solutions in Commerce Township, Michigan Customized For You
We know how frustrating and complex the process of finding the best business insurance agents can be.
Let us help fix it for you in 3 easy steps!
Tell us about your specific needs and we will find the right policy for you.
Review the results of our search.
We will walk you through your new policy step by step.
Get The Right Coverage For Your Commerce Township Business Now
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Commerce Township, Michigan Contractor Insurance Requirements
In Commerce Township, Michigan, contractors must meet several insurance requirements:
- Workers’ Compensation: Mandatory for most contractors with employees. You must provide minimum coverage limits and can face penalties for non-compliance.
- Liability Insurance: While not always legally required, many clients will require you to carry general liability and auto liability insurance with specific minimum limits. You may also need to provide additional insured endorsements and waivers of subrogation.
- Proof of Insurance: You’ll need to provide certificates of insurance, policy endorsements, and renewal and cancellation notices to prove you have the required coverage.
Failing to meet these requirements could result in fines, legal penalties, and the loss of contracts.
That’s why it’s so important to work with an experienced insurance agent who understands the complexities of contractor insurance in Michigan.
The Allen Thomas Group: Your Partner in Risk Management
At The Allen Thomas Group, our Commerce Township business insurance agents specialize in contractor insurance.
Our team has an in-depth understanding of the construction industry and the unique risks you face.
We stay up-to-date on Michigan insurance regulations and have established relationships with top-rated insurers.
When you work with us, you get:
- A comprehensive risk assessment to identify your unique exposures
- Customized insurance packages tailored to your specific needs
- Competitive pricing and flexible payment options to fit your budget
- Dedicated claims professionals to help you navigate the claims process
- Assistance with risk management strategies to minimize your liabilities
- Access to safety training and resources to keep your team safe
Our Carrier Partners
That allows us to find the best insurance premium rates for your business needs in Commerce Township, MI
Get a Free Contractor Insurance Quote in Commerce Township, MI Today From The Allen Thomas Group
Don’t leave your business vulnerable to the risks of the construction industry.
Contact The Allen Thomas Group Independent Insurance Agency serving Commerce Township, MI today for a free contractor insurance quote.
Our fast and easy quoting method makes it simple to get the coverage you need at a price you can afford.
Zip codes We Serve In Commerce Township
48323 / 48382 / 48390 / 48393
Michigan Construction and Contracting Trades Our Agency Provides Insurance Coverage
- Appliance Repair
- Carpenter
- Concrete Contractor
- Drywall Contractor
- Electrician
- Electrical Equipment Installation
- Excavation Contractor
- Fence Installation
- Fiber Optic Installer
- Flooring Contractor
- Framing Contractor
- General Contractor
- Glass and Glazing Contractor
- HVAC Contractor
- Handyman Services
- Home Renovation and Remodeling
- Landscaper
- Masonry
- Painter
- Paving Contractor
- Plumber
- Roofing Contractor
- Sheet Metal Contractor
- Septic Tank Contractor
- Snow Plowing
- Steel Erectors
- Tile and Stone
- Telecommunications & Equipment Installer
- Utility Contractor
