Trusted Contractor Business Insurance
At Melton McFadden Agency, we specialize in affordable, reliable insurance policies for contractors of all sizes. Our experienced team will help you find a policy that fits your trade, your needs, and your budget—so you can focus on doing the work, not worrying about what could go wrong.
Do Contractors Legally Need Insurance?
In many states and cities, contractor insurance is legally required—most commonly general liability coverage. Depending on your location and the type of work you do, additional coverages may be necessary or strongly recommended. We always advise checking with your local licensing office to understand your specific legal requirements.
Who Needs Contractor Insurance?
If you’re a contractor, subcontractor, or independent tradesperson—you need insurance. Whether or not the law mandates it, having coverage protects your business, your clients, and your team when the unexpected happens.
We provide insurance for a wide range of contractor professions, including:
HVAC technicians
Electricians
Plumbers
Cement and concrete workers
Masons
Water well drillers
Janitorial crews
Floor, tile, and stone installers
Sign erectors
Types of Contractor Insurance Coverage
Business Owner’s Policy (BOP)
A great bundle for small-to-mid-sized contractor businesses, BOP includes general liability, property coverage, and customizable add-ons.
Workers’ Compensation
Required by the state of Michigan, workers’ comp protects your employees if they’re injured on the job—and protects you from major liability.
Property & Liability Insurance
Covers your building, equipment, inventory, and more in the event of physical loss or damage.
Commercial Vehicle Insurance
Covers all company-owned vehicles, including protection for collisions, property damage, and bodily injury.
Specialty Liability Insurance
Provides additional protection for risks not covered by standard general liability policies—ideal for niche trades or high-risk operations.
Protect Your Business with Melton McFadden
Contractor insurance isn’t just about meeting requirements—it’s about protecting everything you’ve worked so hard to build. One accident or lawsuit shouldn’t put your business at risk.
Contact Melton McFadden today to get a fast, free quote and find the right policy for your needs.