Builders Risk

• Structure under construction, installed materials, and temporary works (scaffolding, formwork, shoring)
• Materials stored on-site, in transit, or at fabrication yards
• Fire, theft, vandalism, wind, and collapse during construction
• Soft costs endorsement: architect/engineering fees, permit costs, loan interest during delay
• Limit set to completed project value - not partial value at time of loss
• Coverage extended through Michigan building department inspection and certificate of occupancy

Michigan's urban sites can present theft and vandalism risks not found in rural areas. Ensure limits are set at completed value and consider theft sublimits for high-value materials.

General Liability

• Third-party bodily injury and property damage from construction operations
• Products & Completed Operations - covers post-completion claims for years after project handover
• Personal and advertising injury
• Additional Insured endorsements for owners, developers, and municipalities
• Primary & Noncontributory wording for all required AIs
• Per-project aggregate for large or multi-site Michigan contracts
• Waiver of Subrogation as required by contract

Michigan public-sector construction contracts often require substantial GL limits with a full suite of contractor endorsements. We review your contract insurance requirements before binding.

Workers' Compensation & Employers Liability

• Required by Michigan law for any business with employees - no exceptions for construction
• Medical bills, lost wages, and rehabilitation for construction workers injured on Michigan job sites
• Covers falls from height, struck-by incidents, excavation accidents, and tool/equipment injuries
• Employers Liability protects against employee negligence suits
• Wrap-up / OCIP compatibility where the project owner controls the WC program
• Prevailing wage compliance documentation often required on public projects

Construction is a high-risk industry in Michigan. Accurate payroll classification by trade is critical to avoid audit adjustments and penalties.

Commercial Auto & Fleet

• Owned vehicles: dump trucks, flatbeds, crew vans, pickup trucks, and equipment haulers
• Liability for accidents on Michigan highways and city streets
• Physical damage (collision and comprehensive) for fleet vehicles
• Hired & Non-Owned Auto for subcontractors' and employees' personal vehicles used on firm business
• Pollution liability endorsement for vehicles transporting regulated materials
• Higher limits typically required by public project owners

Michigan's diverse driving conditions can lead to increased accident frequency. Ensure your driver list is current and MVRs are reviewed annually.

Contractor's Equipment & Inland Marine

• Cranes, excavators, forklifts, bulldozers, and aerial work platforms
• Compressors, generators, welding equipment, and portable power tools
• Leased or rented equipment on a blanket or scheduled basis
• Coverage follows equipment to Michigan job sites and off-site storage yards
• Theft, collision, and mysterious disappearance at active sites

Heavy construction equipment is frequently targeted for theft. Ensure you have adequate coverage and security protocols in place.

Surety Bonds

• Bid Bond: guarantees you'll honor your bid and execute the contract if awarded
• Performance Bond: guarantees project completion per contract terms
• Payment Bond: guarantees subcontractors and suppliers will be paid
• Required on all Michigan public contracts
• Increasingly required on large private Michigan commercial developments
• Bond capacity determined by financial strength, experience, and banking relationships

Public contracts in Michigan consistently require performance and payment bonds. We arrange bonds alongside your insurance program for seamless compliance.

Commercial Umbrella / Excess Liability

• Adds $5M-$25M+ of excess liability above GL, Auto, and Employers Liability
• Activates when an underlying limit is exhausted
• Required by most large commercial developers and public entities in Michigan
• Can be structured to follow-form over GL and Auto in a single tower

A serious construction accident can generate claims that exceed standard GL limits. Commercial builders should carry adequate umbrella coverage for large-scale projects.

Professional Liability (Design-Build E&O)

• Covers errors in design services provided by or coordinated by the GC
• Required for design-build delivery where the builder holds design responsibility
• Protects against claims alleging design defects that manifest post-completion
• Claims-made form - retroactive date protection critical when switching carriers

As Michigan's design-build projects grow, GCs must ensure they have the right coverage for design responsibilities.

MI Contractor Registration

Michigan requires contractors to register with the state and provide proof of insurance. Public projects may also require pre-qualification with the relevant public entity, which includes submitting current insurance certificates with specified limits.

Public Project Bonding & Prevailing Wage

Michigan's Public Act 213 requires performance and payment bonds on public construction contracts exceeding $50,000. Public projects also require compliance with Michigan prevailing wage rates, and certified payroll records must be maintained and submitted.

City Building Permits & Inspections

All commercial construction in Michigan requires permits from the local building department. Insurance certificates naming the municipality as Additional Insured are often required as a condition of permit issuance.

OSHA Job Site Safety

Federal OSHA construction standards apply to all Michigan commercial job sites. Compliance with safety regulations is critical to avoid penalties and ensure worker safety.