Exhibit B - Construction Projects Insurance Coverage Requirements
EXHIBIT B: Construction Projects Insurance Coverage Requirements
Michigan Universities Self Insured Corporation (M.U.S.I.C.)
An insurance carrier rating of A- or better is recommended, per AM Best – contact Risk Management with ratings questions
架构师 & 设计师
项目成本 | Minimum Coverage Required* | 最低限制 |
<$5M | Workers' Compensation with Employer Liability | Work Comp Statutory 限制/Employers' Liability $1M |
| Commercial General Liability* | 每次100万元 & 2美元总 | |
| 业务 Auto Liability* | $1M | |
| Excess Liability (umbrella) | $5M | |
| 职业责任 | 每宗索赔100万美元 & 2美元总 | |
| 十大菠菜台子 listed as additional insured on CGL and Auto | ||
> $5M - $25M | Workers' Compensation with Employer Liability | Work Comp Statutory 限制/Employers' Liability $1M |
| Commercial General Liability* | 每次100万元 & 2美元总 | |
| 业务 Auto Liability* | $1M | |
| Excess Liability (umbrella) | $5M | |
| 职业责任 | 每宗索赔500万美元 & 10美元总 | |
| 十大菠菜台子 listed as additional insured on CGL and Auto | ||
> $25M - $50M | Workers' Compensation with Employer Liability | Work Comp Statutory 限制/Employers' Liability $1M |
| Commercial General Liability* | 每次100万元 & 2美元总 | |
| 业务 Auto Liability* | $1M | |
| Excess Liability (umbrella) | $10M | |
| 职业责任 | 每宗索赔1000万美元 & 20美元的总 | |
| 十大菠菜台子 listed as additional insured on CGL and Auto | ||
> $50M | Workers' Compensation with Employer Liability | Work Comp Statutory 限制/Employers' Liability $1M |
| Commercial General Liability* | 每次100万元 & 2美元总 | |
| 业务 Auto Liability* | $1M | |
| Excess Liability (umbrella) | $15M | |
| 职业责任 | $10M per occurrence 20美元的总 | |
| 十大菠菜台子 listed as additional insured on CGL and Auto | ||
General Contractors/Construction Managers
Contractors are required to purchase 建筑商的风险 Insurance for specified projects
项目成本 | Minimum Coverage Required* | 最低限制 |
< $5M | Workers' Compensation with Employer Liability and Alternate Employers Endorsement | Work Comp Statutory 限制/Employers' Liability $1M |
| Commercial General Liability* | 每次100万元 & 2美元总 | |
| 业务 Auto Liability* | $1M | |
| Excess Liability (umbrella) | $2M | |
| 十大菠菜台子 listed as Additional Insured on CGL and Auto Liability Sub-contractors endorsements must name 十大菠菜台子 as an Additional Insured including completed operations coverage | ||
| Coverage that may be required | Contractors' Pollution Liability | 每宗索赔500万美元 |
| 职业责任 | 每宗索赔200万美元 & 4美元的总 | |
| Builders' "All Risk" Policy for building additions | Consult Risk Management for limits | |
> $5M - $25M | Workers' Compensation with Employer Liability and Alternate Employers Endorsement | Work Comp Statutory 限制/Employers' Liability $1M |
| Commercial General Liability* | 每次100万元 & 2美元总 | |
| 业务 Auto Liability* | $1M | |
| Excess Liability (umbrella) | $5M | |
| 十大菠菜台子 listed as additional insured on CGL and Auto Liability Sub-contractors endorsements must name 十大菠菜台子 as an Additional Insured including completed operations coverage | ||
| Coverage that may be required | Contractors' Pollution Liability | 每宗索赔1000万美元 |
| 职业责任 | 每宗索赔500万美元 & 5美元的总 | |
| 建筑商的风险 | Consult Risk Management for limits | |
> $25M - $50M | Workers' Compensation with Employer Liability | Work Comp Statutory 限制/Employers' Liability $1M |
| Commercial General Liability* | 每次100万元 & 2美元总 | |
| 业务 Auto Liability* | $1M | |
| Excess Liability (umbrella) | 每宗索赔1000万美元 | |
| 十大菠菜台子 Listed as additional insured on CGL and Auto Liability Sub-contractors endorsements must name 十大菠菜台子 as an Additional Insured including completed operations coverage | ||
| Coverage that may be required | Contractors' Pollution Liability | 每宗索赔1000万美元 & 20美元的总 |
| 职业责任 | 每宗索赔1000万美元 & 20美元的总 | |
| 建筑商的风险 New construction: Value of the new construction/building Renovations to existing buildings that include adding square footage: Value of the project cost plus the value of the existing building | Consult Risk Management for limits | |
> $50M | Workers' Compensation with Employer Liability | Work Comp Statutory 限制/Employers' Liability $1M |
| Commercial General Liability* | 每次100万元 & 2美元总 | |
| 业务 Auto Liability* | $1M | |
| Excess Liability (umbrella) | 每次索赔1500万美元 | |
| 十大菠菜台子 Listed as additional insured on CGL and Auto Liability Sub-contractors endorsements must name 十大菠菜台子 as an Additional Insured including completed operations coverage | ||
| Coverage that may be required | Contractors' Pollution Liability | 每宗索赔1000万美元 & 20美元的总 |
| 职业责任 | Consult Risk Management for limits | |
| 建筑商的风险 New construction: Value of the new construction/building Renovations to existing buildings that include additional square footage: Value of the project cost plus the value of the existing building | Consult Risk Management for limits | |
*Required: 十大菠菜台子 listed as Additional Insured.
Low-Medium Risk Projects < $5M
| Contractors/Sub-Contractors Minimum Coverage Required | 限制 |
| Workers' Compensation with Employer Liability | Work Comp Statutory 限制/Employers' Liability $1M |
| Commercial General Liability (including Completed Operations Coverage) | 每次100万元 & 2美元总 |
| 业务 Auto Liability | $1M |
| Excess Liability (umbrella) | $1M |
| 十大菠菜台子 listed as Additional Insured | |
| Project - if not listed consult Risk Management | |
| Alarm Systems (fire/security) | Landscaping (no electrical or excavation) |
| 地毯清洗 | Nonstructural Remodeling |
| Concrete in 主要 Traffic Area | Painting - interior and/or exterior |
| 混凝土修补工程- 小 | Pavement Sealing or Repairs |
| Equipment Rental w/ Operator (没有起重机*) | 屋顶- - - - - - 小 |
| 击剑 | 标语, 没有焊接 |
| 地板安装 | 〇街道维修 小 |
| 家具维修 | 结构维修- 小 |
| 玻璃安装 | *Cranes require High Risk 限制 |
| Low-Medium-High Risk Projects - Sub-contractors endorsements must name 十大菠菜台子 as an Additional Insured including completed operations coverage | |
High Risk Projects < $5M
| Contractors/Sub-Contractors Minimum Coverage Required | 限制 |
| Workers' Compensation with Employer Liability | Work Comp Statutory 限制/Employers' Liability $1M |
| Commercial General Liability (including Completed Operations Coverage) | 每次100万元 & 2美元总 |
| 业务 Auto Liability | $1M |
| Excess Liability (umbrella) | $5M |
| Coverage that may be required: | |
| *Contractors' Pollution Liability | 每宗索赔500万美元 |
| 职业责任 | 每宗索赔200万美元/2美元总 |
| * *航空责任 | $10M |
| 建筑商的风险 | Consult with Risk Management |
| Project - if not listed consult Risk Management | |
| 石棉 & 减轻铅* | HazMat Abatement/Disposal* |
| 看台 & 座位 | Helicopter w/ Operator** |
| Boilers/Steam Generators | Interior/Exterior Remodeling 高风险 |
| 钻孔或隧道 | Kitchen/Lab Work Near High valued Equipment |
| 建筑改造 主要 | 电线 & 波兰人 |
| Crane Rental w/ Operator Demolition | 屋顶- - - - - - 主要 |
| 电 高压 | 地下工作 |
| 电梯维修 | 焊接、气割 |
| Heavy Construction Equipment Rental | |
| Low-Medium-High Risk Projects - Sub-contractors endorsements must name 十大菠菜台子 as an Additional Insured including completed operations coverage | |