What Professional Liability (E&O) Insurance Requirements Apply in Michigan?

Michigan requires an environmental consultant preparing a qualifying Part 201 no-further-action report to provide proof of professional-liability E&O of at least $1 million per claim. The policy may not exclude bodily injury, property damage, or pollution claims arising from environmental work, and the consultant must meet statutory professional qualifications.

What Is Professional Liability (E&O) Insurance?

Professional liability can help pay defense costs and covered losses when a client says your advice or service caused financial harm. If customers rely on your work, list every service you provide and check the claims-made reporting and prior-work terms. Read the national Professional errors and omissions (E&O) guide.

Michigan Professional Liability (E&O) Insurance Requirements

Requirement	Details
Part 201 no-further-action report consultant E&O	At least $1,000,000 per claim; may not exclude BI, property damage, or pollution claims from environmental work ¹

What to Watch for With Professional Liability (E&O) in Michigan

Confirm the Report Triggers This Rule
The insurance requirement attaches to the consultant affidavit submitted with a no-further-action report under Part 201; it is not a general E&O mandate for every environmental consultant. Confirm that your consultant is preparing that report and meets the statute's professional qualification criteria before relying on the statutory minimum. ^1,²
Check Separate Pollution Coverage for Contracting Work
If the consultant performs contracting functions, the statute also requires at least $1 million per claim in contractor pollution liability unless that coverage is included in the required E&O policy. Ask the broker to identify the endorsement or separate policy that satisfies this condition. ¹
Retain the NFA Support File
A person submitting the report must keep its documents and data for at least ten years after the later of EGLE approval or the end of required monitoring, operation, or maintenance. Ask the consultant how long it will preserve the records and confirm the policy addresses claims tied to archived project work; the retention rule itself is not an insurance reporting period. ^1,²

Providers With Michigan License Records

These providers publish a national listing for Professional errors and omissions (E&O); the license records below name the licensed entities and roles. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in Michigan. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

At-Bay
Insurance producer, Surplus-lines broker · checked 2026-09-28
At-Bay Insurance Services LLC
At-Bay’s license page lists P&C producer and surplus-lines broker license numbers for all 50 states and the District of Columbia. These are company disclosures and do not establish product availability in each jurisdiction. ⁹
At-Bay offers primary miscellaneous professional liability insurance.
Coalition
Insurance producer, Surplus-lines broker · checked 2026-09-28
Coalition Insurance Solutions, Inc.
Coalition’s license page lists producer and surplus-lines licenses for Coalition Insurance Solutions, Inc. in all 50 states and the District of Columbia. The page separately lists insurers; this record covers the brokerage entity only. ¹⁰
Coalition offers miscellaneous professional liability as an addition to eligible Active Cyber policies.
Corgi
Insurance producer · checked 2026-09-28
Corgi Insurance Services, Inc.
Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability. ¹¹
Corgi lists miscellaneous errors and omissions coverage for service-based businesses.
ERGO NEXT Insurance
Insurance producer · checked 2026-09-28
Next First Insurance Agency, Inc.
ERGO NEXT’s current license table lists Next First Insurance Agency, Inc. in 50 jurisdictions, including Washington, DC; New York is excluded because its table rows name Next Insurance Services and AP Intego, not Next First. The table is company-reported; it does not establish product availability or provide state-regulator verification for each entry. ¹³
ERGO NEXT lists professional liability insurance, also called errors and omissions insurance.
Hiscox
Insurer · checked 2026-09-28
Hiscox Insurance Company Inc.
Hiscox’s U.S. company information states that Hiscox Insurance Company Inc. is licensed in all 50 states and the District of Columbia. This is company-reported insurer authority for this entity and does not establish which company issues every Hiscox-branded product. ¹²
Hiscox offers professional errors and omissions insurance for small businesses.
TechInsurance
Insurance producer · checked 2026-09-28
Specialty Program Group LLC
TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map. ¹⁴
TechInsurance arranges professional errors and omissions insurance for small businesses.
Vouch
Insurance producer, Surplus-lines broker · checked 2026-09-28
Vouch Specialty Insurance Services, LLC
Vouch’s licenses page, effective January 16, 2025, lists producer licenses in all 50 states and DC. Its separate surplus-lines table includes Idaho number 870820, while a footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses. Because those statements conflict for Idaho, this record keeps Idaho producer-only and does not treat the table number as established agency surplus-lines authority. The page is company-reported and does not establish product availability. ¹⁵
Vouch lists errors and omissions among the core coverages in its professional-services programs.

Who Regulates Insurance in Michigan?

Michigan Department of Insurance and Financial Services

The Michigan Department of Insurance and Financial Services licenses agents, agencies and companies, supervises insurance business, and helps resolve complaints. You can use its state lookup or complaint service to check a license or raise an insurance issue. ^3,^4,⁵

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: 877-999-6442

Surplus-Lines Tax and Stamping Office in Michigan

Reported tax rate. 2.5% combined surplus-lines tax and regulatory fee on premium when Michigan is the insured's home state ^6,^7,⁸

Michigan's Property and Casualty Guaranty Association is funded by insurers authorized to transact in the state; an insurer procured solely under Chapter 19 is expressly not considered authorized for that chapter. The surplus-lines policy must carry a notice that the insurer is not Michigan-licensed and insolvency claim payment may not be guaranteed.

Questions to Ask Before You Buy Professional Liability (E&O) in Michigan

Is this engagement a Part 201 no-further-action report that requires the consultant affidavit and insurance certificate?
Does the E&O policy cover environmental-work pollution, bodily injury, and property damage, with the required $1 million per-claim limit?
If the consultant performs contracting functions, where is the required contractor pollution liability coverage documented?

Professional Liability (E&O) Insurance in Michigan: FAQ

Do Michigan environmental consultants need E&O insurance?

A consultant preparing the affidavit for a qualifying Part 201 no-further-action report must show at least $1 million per claim in professional-liability E&O with specified environmental-work coverage; the statute does not impose that rule on every environmental consultant. ¹

Can Michigan require pollution coverage in an environmental consultant’s E&O policy?

Yes. For the covered no-further-action report, the policy may not exclude claims arising out of pollution for environmental work, or bodily injury and property damage. ¹

Sources for Professional Liability (E&O) Insurance in Michigan

1
Michigan Compiled Laws, Natural Resources and Environmental Protection Act, Part 201 (current through PA 103 of 2026). Michigan Legislature; MCL 324.20114d(6)(b)–(c), (7); printed pp. 27–28; current through PA 103 of 2026, rendered September 24, 2026. Accessed 2026-09-28.
2
Instructions for Requesting Review of No Further Action Report. Michigan Department of Environment, Great Lakes, and Energy; Administrative requirements; EQP4029 consultant affidavit and certificates of insurance under § 20114d(6). Accessed 2026-09-28.
3
Department of Insurance and Financial Services. Department of Insurance and Financial Services; Official regulator and insurance oversight. Accessed 2026-09-28.
4
Insurance License Lookup. Department of Insurance and Financial Services; State-designated producer/company search. Accessed 2026-09-28.
5
File an Insurance Complaint. Department of Insurance and Financial Services; State complaint process and contact. Accessed 2026-09-28.
6
Surplus Lines Licensee: Filing the Surplus Lines Taxes. Michigan Department of Insurance and Financial Services; DIFS current filing page: Michigan-home-state placements taxed at 2.5% combined tax and regulatory fee; separate fees charged to insured are not included in premium tax base. Accessed 2026-09-28.
7
Michigan Insurance Code, Chapter 500. Michigan Legislature; MCL 500.7911(1)-(2), 500.7921(b): association membership tied to insurer authorized to transact; insurer procured solely under Chapter 19 is expressly not authorized for guaranty chapter. Accessed 2026-09-28.
8
Michigan Insurance Code, Chapter 500. Michigan Legislature; MCL 500.1922 requires policy notice that insurer is not Michigan-licensed and insolvency claim payment may not be guaranteed. Accessed 2026-09-28.
9
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
10
Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
11
Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
12
About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
13
Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
14
Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
15
Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

What Professional Liability (E&O) Insurance Requirements Apply in Michigan?

What Is Professional Liability (E&O) Insurance?

Michigan Professional Liability (E&O) Insurance Requirements

What to Watch for With Professional Liability (E&O) in Michigan

Confirm the Report Triggers This Rule

Check Separate Pollution Coverage for Contracting Work

Retain the NFA Support File

Providers With Michigan License Records

At-Bay

Coalition

Corgi

ERGO NEXT Insurance

Hiscox

TechInsurance

Vouch