Michigan Commercial Insurance Company
Specialized Commercial Insurance for Michigan Contractors
You work hard to build Michigan. We work hard to protect it. At Chase Insurance Services, we specialize in insurance for contractors. We understand the risks you face on every job site, and we build coverage around that. We work with:
- Builders
- General Contractors
- Carpenters
- Electricians
- Framers
- Plumbers
- And More
- Builders and General Contractors
- Electricians
- Framers
- Carpenters
- Plumbers
- And More
Whether you are a one-person operation or you run a full crew, we can help you protect your business with commercial property insurance coverage for Michigan’s local contractors, shops, and growing enterprises. At Chase Insurance Services, our commercial insurance services are built to protect those dreams, keeping your business steady through Michigan’s challenges.
Why You Need Business Insurance in Michigan
Running a business in Lake Odessa and the surrounding areas means braving Michigan winters, changing markets, and unexpected risks. Working with a commercial insurance agency gives you the security to focus on growth while knowing your investment is protected.
Protect What You've Built
Years of hard work shouldn’t be undone by one storm, fire, or accident.
Cover Liability Risks
If a customer slips on the ice or property is damaged, liability coverage keeps you from footing the bill alone.
Protect Your Employees
Workers’ compensation coverage helps care for your team when accidents happen on the job.
Meet Legal or Contractual Requirements
As a commercial insurance company, we help keep your business compliant and your doors open.
Contractor Insurance Built for the Job Site
You do not need a generic policy. You need coverage that fits the way you work. Our contractor insurance solutions can help protect you from:
General Liability
Accidents happen. General liability helps protect your business when:
• Someone is injured because of your work
• There is damage to a customer’s property
• A client claims you caused a loss
We help you choose limits that match your job size and contract needs.
Additional Insureds Made Simple
Many jobs require you to list the property owner, GC, or another party as an “additional insured.”
We make this easy by:
• Adding additional insureds to your policy
• Providing certificates of insurance fast
• Making sure wording matches contract requirements
This helps you win jobs and stay compliant on-site.
Coverage for Tools and Equipment
Your tools are your livelihood.
We can help protect:
• Hand tools
• Power tools
• Mobile tools and equipment
• Trailers and small machinery
Coverage can follow your tools:
• At your shop
• In your vehicle
• On the job site
We work with you to estimate the right value so you are not underinsured.
Workers’ Compensation for Michigan Contractors
If you have employees, workers’ compensation is essential. It helps protect your business when a worker is hurt on the job.
Workers’ comp can help cover:
• Medical bills
• Lost wages
• Rehabilitation costs
We help you:
• Meet Michigan workers’ comp laws
• Classify employees correctly
• Manage costs and improve safety
We understand how work injuries can affect small and mid-size contractors. Ask us to review your current workers’ comp policy. We may find gaps, misclassifications, or ways to save money.
Why Contractors Across Michigan Choose Us
• We focus on contractors, not every business under the sun
• We understand job site risks, contracts, and certificates
• We explain coverage in plain language
• We respond quickly when you need proof of insurance
• We help you adjust coverage as your business grows
We serve contractors across Michigan, including small shops, growing crews, and established builders.
Get a Custom Quote for Your Contracting Business
Every contractor is different. Your insurance should match your work, your tools, and your team. Tell us about your business, and we will build a custom insurance plan that may include:
• General liability
• Tools and equipment
• Commercial auto
• Workers’ compensation
• Umbrella / excess liability
• Bond options
From Startups to Enterprises, We’ve Got You Covered
Whether you’re running a coffee shop in Grand Rapids or a manufacturing plant in Detroit, we build policies that fit your scale. Get your quote today.
How To Get Started
Step #1:
Initial Consultation
We’ll sit down with you, listen to your story, and learn what matters most to your business. Give us a quick call at 616.374.1680 or fill out our online contact form.
Step #2:
Review Your Options
Together, we’ll go over choices for business insurance in Michigan, such as liability, property, and workers’ comp. We’ll explain them in plain language so you understand everything.
Step 3:
Choose Your Coverage
You’ll select protection that makes sense for your business, with us guiding you every step of the way.
Step 4:
Count On Us
When challenges arise, and you need to file a commercial insurance claim, you’ll have a team you can trust to help put things right.
Why Choose Chase Insurance Services for Commercial nsurance?
Local Expertise
From lake-effect snow to state-specific requirements, we know Michigan risks and design coverage to fit them.
Custom Coverage
Every business is different; your insurance should reflect your industry, size, and future goals.
Local Expertise
From lake-effect snow to state-specific requirements, we know Michigan risks and design coverage to fit them.
Custom Coverage
Every business is different; your insurance should reflect your industry, size, and future goals.
Service That Sticks With You
When you call, you’ll talk to someone who knows your name and your business, not just your policy number.
Built For The Long Haul
As your company expands, we’ll adapt your coverage so it always matches your next chapter.
Service That Sticks With You
When you call, you’ll talk to someone who knows your name and your business, not just your policy number.
Built For The Long Haul
As your company expands, we’ll adapt your coverage so it always matches your next chapter.
Frequently Asked Questions
Can I update or change my commercial insurance policy as my business grows?
Yes. Commercial insurance policies in Michigan can be updated to reflect growth, whether that’s more employees, new locations, or added services.
Can small businesses and startups benefit from commercial insurance?
Absolutely. Even the newest Michigan businesses face risks like liability claims or property damage. Commercial insurance for small businesses helps protect against financial setbacks.
How do I choose the right commercial insurance for my business?
At Chase Insurance Services, we take time to understand your industry, risks, and goals. By learning how your business works, we can guide you toward commercial insurance solutions that fit both your needs and your future.
Are startups and new businesses eligible for commercial insurance?
Yes. Startups and new businesses can get commercial insurance in Michigan, and it’s often required to sign leases or secure contracts.
How do insurance companies determine the cost of commercial insurance?
Insurance agencies in Michigan will look at your industry, number of employees, claims history, and coverage limits to calculate the cost of a policy.
Still have a question?
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Other Insurances We Offer
AUTO Insurance
Safeguard yourself and your passengers. Receive the right coverage for an accident or any type of vehicle damage.
Home Insurance
Protect your house and everything in it from damage, theft, and unexpected events.
Life Insurance
Protecting Michigan families with life insurance that gives you a feeling of safety and certainty.
Farm Insurance
Cover your home, equipment, livestock, and operations with tailored protection for farms and ranches.
recreational Insurance
From classic cars, ATVs, and motorcycles to jet skis, RVs, and boats, we offer specialty coverage for whatever moves you.
renter's Insurance
Protect your belongings and liability, even if you don’t own the place you live.
Specialty Dwelling Insurance
Insure rentals, seasonal homes, and vacant properties with coverage designed for non‑owner‑occupied homes.
Umbrella Insurance
Get extra protection that extends beyond your typical auto or home policy.
Flood Insurance
Get financial protection from flood damage that standard home and renter policies don’t cover.
Guard Your Business Against the Unexpected
The future of your business deserves protection you can count on. Let’s build commercial insurance coverage that keeps your Michigan business strong through every season.
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