Business insurance • Michigan electrical contractors
Michigan Electrical Contractor Insurance: LARA License and Workers’ Comp
Michigan’s Electrical Administrative Board licenses electrical contractors, and each contractor must be associated with one active Master Electrician. The license has no contractor exam, renews every three years for $300, and sets no state liability or bond requirement. Workers’ comp applies to employers with three or more workers or one full-time worker.
This guide covers Michigan electrical licensing, workers’ comp, coverage, and typical costs. Blake Insurance Group is an independent agency licensed in Michigan, and a licensed agent can compare quotes for your electrical business.
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Michigan electrical contractor license
- An electrical contractor must be associated with one active Master Electrician, and a Master can be associated with only one contractor at a time (Contractor License Requirements (Michigan electrician guide)).
- If the Master’s license lapses, LARA puts the contractor license on hold until the Master renews.
- The application lists no state liability certificate or bond, though customers, contracts, and permit offices may require them.
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 electricians carry
- General liability: third-party injuries and property damage, such as a wiring fault that starts a fire in a customer’s home.
- Business owner’s policy: general liability bundled with property coverage for your shop, wire, and stock.
- Workers’ compensation: medical bills and lost wages if an employee is hurt, including shocks and falls.
- Commercial auto: service vans and bucket trucks that carry crews and equipment.
- Tools and equipment (inland marine): meters, benders, lifts, and power tools on job sites or in transit.
- Commercial umbrella: extra limits on top of general liability and auto, often required on commercial jobs.
What Michigan electricians pay
| Policy | Monthly | Annual |
|---|---|---|
| General liability | $61 | $732 |
| Business owner’s policy | $100 | $1,198 |
| Workers’ compensation | $140 | $1,679 |
| Commercial auto | $275 | $3,304 |
| Tools and equipment | $42 | $503 |
| Professional liability | $67 | $808 |
| Commercial umbrella | $74 | $886 |
Median costs for electricians who got quotes through Insureon, mostly businesses with fewer than five employees. Your price depends on payroll, the work you do, claims history, and location.
Michigan electrical insurance FAQs
Does a Michigan electrical contractor need a Master Electrician?
Yes. The contractor must be associated with one active Master Electrician.
Does Michigan require general liability for electrical contractors?
The application does not, but customers, contracts, and permit offices often require it.
Do Michigan electricians 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
Compensation. The link in the partner quote box near the top of this page is sponsored, and Blake Insurance Group may be paid if you make a purchase. Sponsored placement does not affect the other information on this page.
Independent agency. Blake Insurance Group LLC is an independent insurance agency. Licensed insurance producer NPN 16944666. Licensed states: AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, TN, and WA. Which insurance companies we can quote depends on our current appointments, the product, and your state. Mentioning a company on this page does not mean we represent it.
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, your state, your payroll, the work you do, and your claims history.
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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