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Construction is the most contract-driven industry in commercial insurance. Every project agreement, every subcontract, every owner-issued spec carries insurance requirements. And the coverage must satisfy them or risk being kicked off the job. The line that surprises CFOs is wrap-up vs practice. Getting the structure wrong leaves either the owner or the contractor exposed.
Below is that profile under Michigan rules: Midwest perils, state statutes, and the market structure built around them.
The exposures that hit this class hardest, drawn from analysis of mid-market accounts. The structural ones cost more than the premium-driven ones.
Full industry deep-dive: Commercial insurance for Construction & Contractors →
The perils and statutes that change how construction & contractors coverage must be structured here, before any quote means anything.
Full state guide: Business and commercial insurance in Michigan →
The lines ARIA recommends for a well-structured program in this industry, in the order they typically attach.
The core stack for construction & contractors typically starts with Commercial General Liability w/ project-specific endorsements, Commercial Auto + Hired/Non-owned, Inland Marine (Contractors Equipment), Workers' Comp w/ subcontractor compliance coverage, structured in that order. Workers' compensation is required for most employers. The threshold rules count employees in ways that capture nearly all real businesses, so assume it applies. ARIA reads your operation against both the industry profile and Michigan specifics before any quote is requested.
For nearly all employers, yes. The statutory thresholds are technical but capture almost any business with regular employees. Manufacturing classes reward disciplined classification and experience-mod management.
For the industry itself: additional insured language drift. Most owner contracts require CG 20 10 04 13 or equivalent AI on a primary, non-contributory basis. Standard blanket AI endorsements often don't satisfy this. The contract gets bid, work proceeds, then a claim reveals the gap. Layered on top in Michigan: supplier contractual cascade. OEM purchase orders flow indemnity, recall, and insurance requirements down through every tier. A tier-2 supplier's coverage gets tested against terms written for tier-1 balance sheets, and recall expense is the line that breaks first.
ARIA pre-loads the construction & contractors exposure profile with Michigan perils and statutes layered on. Top risks, the stack that answers them, and the carriers in appetite for your class here.
Nothing binds until a licensed Risk Strategist signs the placement
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