Contractors Insurance for Michigan Builders and Trades
Coverage That Works as Hard as You Do
Every contractor knows the job site comes with risk. Barnes Insurance Group helps
Michigan contractors—from general builders to electricians and plumbers—secure the protection their business deserves. As a local independent agency, we help ensure you meet licensing and client requirements while keeping premiums competitive.
Core Coverage Options
We help you build a plan that covers every aspect of your operation:
General Liability Insurance
Covers property damage or injury claims from job-site incidents.
Tools and Equipment Coverage
Protects your gear from theft, damage, or vandalism.
Covers company trucks, vans, and trailers.
Workers’ Compensation Insurance
Required by law when you have employees; protects both you and your crew.
Why Contractors Choose BIG
We understand the construction industry across Michigan—from small residential remodelers to multi-crew builders. Our team reviews your contracts and risk profile to ensure you meet compliance standards without unnecessary overlap or cost.
FAQs for Contractors
Do I need insurance if I’m a subcontractor?
Many general contractors require it—BIG can help you meet those requirements affordably.
Can you insure tools stored in my truck?
Yes, we’ll help ensure they’re covered under your equipment policy.
Do you cover certificates of insurance for jobs?
Absolutely. We’ll handle certificates quickly so you don’t lose work time.