OU Administrative Policies
and Procedures

Police & Support Services, Room 13
201 Meadow Brook Road
Rochester, MI 48309-4482
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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

Architects & Designers

Project Cost

Minimum Coverage Required*Minimum Limits

$5M - $25M

Workers' Compensation with Employer LiabilityWork Comp Statutory Limits/Employers' Liability $1M
Commercial General Liability*$1M per occurrence & $2M aggregate
Business Auto Liability*$1M
Excess Liability (umbrella)$5M
Professional Liability$2M per claim & $5M aggregate

> $25M - $50M

Workers' Compensation with Employer LiabilityWork Comp Statutory Limits/Employers' Liability $1M
Commercial General Liability*$1M per occurrence & $2M aggregate
Business Auto Liability*$1M
Excess Liability (umbrella)$10M
Professional Liability$3M per claim & $6M aggregate 

> $50M

Workers' Compensation with Employer LiabilityWork Comp Statutory Limits/Employers' Liability $1M
Commercial General Liability*$1M per occurrence & $2M aggregate
Business Auto Liability*$1M
Excess Liability (umbrella)Consult Risk Management for Limits
Professional LiabilityConsult Risk Management for Limits
General Contractors/Construction Managers
Contractors are required to purchase Builders' Risk Insurance for specified projects

Project Cost

Minimum Coverage Required*Minimum Limits

< $5M

Workers' Compensation with Employer LiabilityWork Comp Statutory Limits/Employers' Liability $1M
Commercial General Liability*$1M per occurrence & $2M aggregate
Business Auto Liability*$1M
Excess Liability (umbrella)$2M
Coverage that may be requiredContractors' Pollution Liability$2M per claim
Professional Liability$2M per claim & $2M aggregate

> $5M - $25M

Workers' Compensation with Employer LiabilityWork Comp Statutory Limits/Employers' Liability $1M
Commercial General Liability*$1M per occurrence & $2M aggregate
Business Auto Liability*$1M
Excess Liability (umbrella)$5M
Coverage that may be requiredContractors' Pollution Liability$5M
Professional Liability$5M per claim & $5M aggregate
Builders' RiskConsult Risk Management for limits

> $25M - $50M

Workers' Compensation with Employer LiabilityWork Comp Statutory Limits/Employers' Liability $1M
Commercial General Liability*$1M per occurrence & $2M aggregate
Business Auto Liability*$1M
Excess Liability (umbrella)$10M
Coverage that may be requiredContractors' Pollution Liability$5M per claim
Professional Liability$5M per claim & $5M aggregate
Builders' RiskConsult Risk Management for limits

> $50M

Workers' Compensation with Employer LiabilityWork Comp Statutory Limits/Employers' Liability $1M
Commercial General Liability*$1M per occurrence & $2M aggregate
Business Auto Liability*$1M
Excess Liability (umbrella)$15M
Coverage that may be requiredContractors' Pollution Liability$10M per claim
Professional LiabilityConsult Risk Management for limits
Builders' RiskConsult Risk Management for limits
*Required: Oakland University & Board of Trustees listed as Additional Insured.

Low-Medium Risk Projects < $5M
Contractors/Sub-Contractors
Minimum Coverage Required
Limits
Workers' Compensation with Employer LiabilityWork Comp Statutory Limits/Employers' Liability $1M
Commercial General Liability (including Completed Operations Coverage)$1M per occurrence & $2M aggregate
Business Auto Liability$1M
Excess Liability (umbrella)$1M
Oakland University & Board of Trustees listed as Additional Insured
Project - if not listed consult Risk Management
Alarm Systems (fire/security)Landscaping (no electrical or excavation)
Carpet CleaningNonstructural Remodeling
Concrete in Major Traffic AreaPainting - interior and/or exterior
Concrete Repair Work - MinorPavement Sealing or Repairs
Equipment Rental w/ Operator (no cranes*)Roofing - Minor
FencingSigns - no welding
Flooring InstallationStreet Repair - Minor
Furniture RepairStructural Repair - Minor
Glass Installation*Cranes require High Risk Limits
High Risk Projects < $5M
Contractors/Sub-Contractors
Minimum Coverage Required
Limits
Workers' Compensation with Employer LiabilityWork Comp Statutory Limits/Employers' Liability $1M
Commercial General Liability (including Completed Operations Coverage)$1M per occurrence & $2M aggregate
Business Auto Liability$1M
Excess Liability (umbrella)$1M
Coverage that may be required:
*Contractors' Pollution Liability$5M per claim
Professional Liability$2M per claim/$2M aggregate
**Aviation Liability$10M
Builders' RiskConsult with Risk Management
Project - if not listed consult Risk Management
Asbestos & Lead Abatement*HazMat Abatement/Disposal*
Bleachers & SeatingHelicopter w/ Operator**
Boilers/Steam GeneratorsInterior/Exterior Remodeling High-risk
Boring or TunnelingKitchen/Lab Work Near High valued Equipment
Building Renovation MajorPower Lines & Poles
Crane Rental w/ Operator DemolitionRoofing - Major
Electrical High-voltageUnderground Work
Elevator RepairWelding/Torch Cutting
Heavy Construction Equipment Rental