Contractors' Commercial Insurance

Contractors Family Business

Contractors like you face unique risks and exposures to loss. Spire Insurance Solutions has partnered with the top insurers to develop specific coverage solutions to protect your business.  These unique coverages and services aim to close gaps that may exist in your current insurance program — all available at competitive price.

Tailored Coverage for:

  • Property
  • General Liability
  • Tools/Equipment
  • Installation Floater for building materials at the jobsite
  • Workers Compensation (Pay-As-You-Go Available)
  • Contractor's Errors and Omissions (Professional Liability)
  • Commercial Auto
  • Excess Liability
  • Cyber Liability
  • Bonds
  • Environmental Pollution Liability
  • Builders Risk

This competitive program is available for contractors and you can qualify for this program even if your operation offers:

  • Carpentry
  • Roofing & Siding
  • Electrical
  • HVAC | Plumbing
  • Excavation
  • Paint
  • Drywall and Insulation
  • Flooring and Glass
  • Masonry, Stone, Tile
  • Garage Door Installation/Servicing
  • Janitorial
  • Landscape
  • and more...

Do I Need Errors & OmissionsContractor Plans

Simply put, Yes!  This is coverage tailored to your needs should one of your customers suffer an economic loss from an error, act, or omission, whether caused by faulty work, or defective materials or products you sell or install.

Let’s say you’re an electrician and performed work on a home that was under construction. After the family moves in, they discover a defective wire  cause their home to burn down. The general liability portion of your commercial insurance policy would provide coverage for the damage to the home, but your Contractors Errors and Omissions policy would cover the cost of rewiring the home.

Contractors E&O provides important coverage above and beyond that provided by general liability. Contact us today for more information.

Guidance for construction contractors mitigating coronavirus risks

The impacts of the coronavirus on the construction industry are serious and widespread.  In some areas, construction has already been suspended and it is likely that there will be more project suspensions in the future.

Even on projects where work continues, productivity and operations are adversely affected.  Check out this information from Property Casualty 360 on what contractors can do to avoid losses, mitigate the impacts and prepare for what's to come.   It includes information on:

  • Contract terms
  • Suspension clauses
  • Changes in insurance coverage
  • Safety issues and more...

Our Locations

Traverse City
Spire Insurance Solutions
3183 Logan Valley Rd
Traverse City, MI 49684

Local: (231) 947-1164

Spire Insurance Solutions
400 Renaissance Ctr Ste 2600
Detroit, MI 48243-1502

Local: (800) 686-8664