Insurance for Construction and Contractors in Michigan

Talk to us!

Every construction business faces unique risks that require a comprehensive insurance and risk management program. At Schoen Insurance Agency, we understand the challenges contractors encounter in Michigan. Whether you are managing multiple job sites or transporting heavy equipment, having the right coverage can help protect your assets and ensure smooth operations.

Even if you don't consider yourself an architect, contract terms and partnerships can expose you to liabilities often associated with design decisions. This is why it is essential to have the necessary insurance in place to cover potential claims that might arise from your work.

Compliance with OSHA regulations and securing Workers Compensation Insurance is critical, but there are also other important factors to consider, such as pollution liability and bonding requirements. Our knowledgeable team at Schoen Insurance Agency can help you navigate these complexities, allowing you to focus on what you do best - getting the job done.

Here are some core coverages that may help protect your construction business:

Essential Insurance Coverages:

• Builders Risk Insurance: Protects your projects during construction.
• Workers' Compensation Insurance: Helps cover medical costs for injuries on the job.
• Commercial General Liability: Offers protection against third-party claims.
• Pollution Liability Insurance: May help cover claims arising from pollution incidents.
• Bonds: Guarantees project completion and compliance with contractual obligations.

Considerations for Your Coverage:

• Project size and scope
• Employee payroll
• Your claims history
• Policy selections like deductibles

To ensure that you have the right insurance coverage for your construction business, it's important to regularly review and adjust your policies as needed. The construction landscape is always changing, and staying ahead of potential risks can help keep your business secure.

If you are looking for tailored insurance solutions for your construction projects, Contact Schoen Insurance Agency today. Let us help you find the coverage that fits your needs and keep your business running smoothly.