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	Workers' Compensation with Employer Liability	Work Comp Statutory Limits/Employers' Liability $1M
	Commercial General Liability*	$1M per occurrence & $2M aggregate
	Business Auto Liability*	$1M
	Excess Liability (umbrella)	$5M
	Professional Liability	$1M per claim & $2M aggregate
	Oakland University listed as additional insured on CGL and Auto
> $5M - $25M	Workers' Compensation with Employer Liability	Work Comp Statutory Limits/Employers' Liability $1M
	Commercial General Liability*	$1M per occurrence & $2M aggregate
	Business Auto Liability*	$1M
	Excess Liability (umbrella)	$5M
	Professional Liability	$5M per claim & $10M aggregate
	Oakland University listed as additional insured on CGL and Auto
> $25M - $50M	Workers' Compensation with Employer Liability	Work Comp Statutory Limits/Employers' Liability $1M
	Commercial General Liability*	$1M per occurrence & $2M aggregate
	Business Auto Liability*	$1M
	Excess Liability (umbrella)	$10M
	Professional Liability	$10M per claim & $20M aggregate
	Oakland University listed as additional insured on CGL and Auto
> $50M	Workers' Compensation with Employer Liability	Work Comp Statutory Limits/Employers' Liability $1M
	Commercial General Liability*	$1M per occurrence & $2M aggregate
	Business Auto Liability*	$1M
	Excess Liability (umbrella)	$15M
	Professional Liability	$10M per occurrence $20M aggregate
	Oakland University listed as additional insured on CGL and Auto

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 Liability and Alternate Employers Endorsement	Work Comp Statutory Limits/Employers' Liability $1M
	Commercial General Liability*	$1M per occurrence & $2M aggregate
	Business Auto Liability*	$1M
	Excess Liability (umbrella)	$2M
	Oakland University listed as Additional Insured on CGL and Auto Liability Sub-contractors endorsements must name Oakland University as an Additional Insured including completed operations coverage
Coverage that may be required	Contractors' Pollution Liability	$5M per claim
	Professional Liability	$2M per claim & $4M aggregate
	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 Limits/Employers' Liability $1M
	Commercial General Liability*	$1M per occurrence & $2M aggregate
	Business Auto Liability*	$1M
	Excess Liability (umbrella)	$5M
	Oakland University listed as additional insured on CGL and Auto Liability Sub-contractors endorsements must name Oakland University as an Additional Insured including completed operations coverage
Coverage that may be required	Contractors' Pollution Liability	$10M per claim
	Professional Liability	$5M per claim & $5M aggregate
	Builders' "All Risk" Policy	Consult Risk Management for limits
> $25M - $50M	Workers' Compensation with Employer Liability	Work Comp Statutory Limits/Employers' Liability $1M
	Commercial General Liability*	$1M per occurrence & $2M aggregate
	Business Auto Liability*	$1M
	Excess Liability (umbrella)	$10M per claim
	Oakland University Listed as additional insured on CGL and Auto Liability Sub-contractors endorsements must name Oakland University as an Additional Insured including completed operations coverage
Coverage that may be required	Contractors' Pollution Liability	$10M per claim & $20M aggregate
	Professional Liability	$10M per claim & $20M aggregate
	Builders' "All Risk" Policy New construction: Value of the new construction/building Renovations to existing buildings that include adding square footage: Value of the project cost plus an additional $10M for the value of the existing building	Consult Risk Management for limits
> $50M	Workers' Compensation with Employer Liability	Work Comp Statutory Limits/Employers' Liability $1M
	Commercial General Liability*	$1M per occurrence & $2M aggregate
	Business Auto Liability*	$1M
	Excess Liability (umbrella)	$15M per claim
	Oakland University Listed as additional insured on CGL and Auto Liability Sub-contractors endorsements must name Oakland University as an Additional Insured including completed operations coverage
Coverage that may be required	Contractors' Pollution Liability	$10M per claim & $20M aggregate
	Professional Liability	Consult Risk Management for limits
	Builders' "All Risk" Policy New construction: Value of the new construction/building Renovations to existing buildings that include additional square footage: Value of the project cost plus an additional $10M for the value of the existing building	Consult Risk Management for limits

*Required: Oakland University listed as Additional Insured.

Low-Medium Risk Projects < $5M

Contractors/Sub-Contractors Minimum Coverage Required	Limits
Workers' Compensation with Employer Liability	Work 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 listed as Additional Insured
Project - if not listed consult Risk Management
Alarm Systems (fire/security)	Landscaping (no electrical or excavation)
Carpet Cleaning	Nonstructural Remodeling
Concrete in Major Traffic Area	Painting - interior and/or exterior
Concrete Repair Work - Minor	Pavement Sealing or Repairs
Equipment Rental w/ Operator *(no cranes)**	Roofing - Minor
Fencing	Signs - no welding
Flooring Installation	Street Repair - Minor
Furniture Repair	Structural Repair - Minor
Glass Installation	*Cranes require High Risk Limits
Low-Medium-High Risk Projects - Sub-contractors endorsements must name Oakland University as an Additional Insured including completed operations coverage

High Risk Projects < $5M

Contractors/Sub-Contractors Minimum Coverage Required	Limits
Workers' Compensation with Employer Liability	Work 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)	$5M
Coverage that may be required:
*Contractors' Pollution Liability	$5M per claim
Professional Liability	$2M per claim/$2M aggregate
**Aviation Liability	$10M
Builders' Risk	Consult with Risk Management
Project - if not listed consult Risk Management
Asbestos & Lead Abatement*	HazMat Abatement/Disposal*
Bleachers & Seating	Helicopter w/ Operator**
Boilers/Steam Generators	Interior/Exterior Remodeling High-risk
Boring or Tunneling	Kitchen/Lab Work Near High valued Equipment
Building Renovation Major	Power Lines & Poles
Crane Rental w/ Operator Demolition	Roofing - Major
Electrical High-voltage	Underground Work
Elevator Repair	Welding/Torch Cutting
Heavy Construction Equipment Rental
Low-Medium-High Risk Projects - Sub-contractors endorsements must name Oakland University as an Additional Insured including completed operations coverage