Insurance Solutions for Michigan Contractors and Businesses

Coverage Built for Your Business

Barnes Insurance Group helps small businesses and contractors across Bellevue and Charlotte protect their livelihoods with tailored insurance solutions. From job-site liability to fleet coverage, we build plans that fit the way you work.

Woman in suit reviews clipboard with man wearing hard hat and safety vest by a window.

Key Commercial Policies

Truck driver in reflective gear climbing into a semi-truck cab.

Contractors Insurance

For builders, electricians, and trades professionals.

Commercial Auto Insurance

Protects vehicles used for business.

Covers employee injuries and meets state requirements.

Woman sitting in a cafe, using a laptop, near a window and bookcase.

Independent Agency Advantage

Because we’re independent, we can shop for the best rates and programs for your specific industry—especially for construction and farm-related businesses common across Michigan.

FAQs for Business Owners

  • Do I need workers’ comp for part-time staff?

    Yes, state law often requires coverage even for part-time employees.

  • Can you insure contractors with subcontractors?

    Absolutely—we help ensure you’re protected against liability from subs.

  • Do you cover fleet vehicles?

    Yes, our commercial auto plans protect trucks and company cars used for business.