Business insurance • Michigan roofing contractors
Michigan Roofing Contractor Insurance: M&A License and Workers’ Comp
Michigan licenses residential roofers through LARA as maintenance and alteration (M&A) contractors, with roofing as a listed trade. A license is needed for residential jobs of $600 or more in labor and materials. LARA sets no general liability minimum, but workers’ compensation applies to many employers with even one full-time worker.
This guide covers Michigan roofing licenses, workers’ comp rules, coverage, and typical costs. Blake Insurance Group is an independent agency licensed in Michigan, and a licensed agent can compare quotes for your roofing business.
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Michigan roofing license
Roofing is one of the trades licensed under Michigan’s maintenance and alteration contractor license (Michigan LARA). Contractors offering $600 or more in labor and materials on a residential structure must be licensed, and new applicants complete 60 hours of LARA-approved prelicensure education. LARA sets no statewide general liability minimum and no license bond for roofing (Contractor License Requirements (Michigan roofing guide)).
Michigan workers’ compensation
| Rule | Detail |
|---|---|
| Three or more workers | Regularly employs three or more at one time, including part-time |
| One full-time worker | Regularly employs at least one worker 35+ hours a week for 13+ weeks in the past 52 weeks |
Coverage most Michigan roofers carry
- General liability: third-party injuries and property damage, such as a dropped bundle that damages a car or a leak that ruins a homeowner’s ceiling.
- Workers’ compensation: medical bills and lost wages if a crew member is hurt, including falls.
- Commercial auto: trucks and trailers used to haul crews, materials, and debris.
- Tools and equipment (inland marine): ladders, nail guns, and compressors on job sites or in transit.
- Commercial umbrella: extra liability limits on top of general liability and auto, often required on commercial jobs.
What Michigan roofers pay
| Policy | Monthly | Annual |
|---|---|---|
| General liability | $317 | $3,808 |
| Workers’ compensation | $175 | $2,101 |
| Commercial auto | $268 | $3,212 |
| Business owner’s policy | $125 | $1,503 |
| Tools and equipment | $42 | $505 |
| Commercial umbrella | $93 | $1,111 |
Median costs for roofing contractors who quoted through Insureon, mostly businesses with fewer than five employees. Your price depends on payroll, roof types, height, claims history, and location.
Michigan roofing insurance FAQs
Do Michigan roofers need a license?
Yes, for residential jobs of $600 or more. Roofing falls under the maintenance and alteration contractor license.
Does Michigan require general liability for roofers?
LARA sets no minimum, but most clients and general contractors require it.
Do Michigan roofers need workers’ comp?
Employers with three or more workers, or one worker averaging 35+ hours a week for 13 weeks, must carry it.
Related guides
Important information
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Cost figures. Published averages and ranges are cited from the sources named, as of the dates shown. They are not quotes and may not reflect your price, which depends on the insurer, the surety, your credit, the bond type, and underwriting.
Availability. Coverage, prices, discounts, and eligibility vary by insurer, state, and applicant, and are subject to underwriting. The issued policy controls.
Your next step
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