Start with how the business operates
Contractors need responsive protection that follows their people and equipment from the office to each active job site.
Industry risks to discuss
- Job-site injury and property damage
- Tools and mobile equipment loss
- Contractual and completed-operations claims
Coverage priorities
- General and excess liability
- Builders risk and inland marine
- Commercial auto and workers’ compensation
Prepare People and Records Before a Claim
- Keep policies, schedules, emergency contacts, and reporting instructions accessible
- Preserve photographs, inventories, contracts, maintenance records, and incident reports
- Designate who reports claims and who protects people and property
- Maintain financial records that can support property, liability, and income-loss documentation
Connect the review to Michigan
Automotive, advanced manufacturing, logistics, construction, hospitality, restaurants, healthcare, and commercial property shape the economy.
Winter weather, freeze, wind, and hail
Consider how this condition could affect locations, employees, vehicles, customers, property, income, controls, or recovery time for the operation.
Great Lakes and inland flood exposure
Consider how this condition could affect locations, employees, vehicles, customers, property, income, controls, or recovery time for the operation.
Machinery, suppliers, fleets, and production interruption
Consider how this condition could affect locations, employees, vehicles, customers, property, income, controls, or recovery time for the operation.
Questions for the planning discussion
What has changed?
Identify new services, locations, contracts, equipment, vehicles, staffing, revenue, ownership, and loss-control improvements.
Where could one event spread?
Review concentrations of people, property, vehicles, data, inventory, suppliers, customers, or revenue that could increase severity.
What evidence is available?
Use current schedules, written procedures, maintenance and training records, contracts, photographs, and currently valued loss history.
Frequently asked questions
Why should contractors in Michigan use this claims readiness?
It connects the industry's operations with regional conditions and a specific claims readiness task. The goal is a more complete discussion of exposures, controls, coverage priorities, and next steps.
Does this guide confirm insurance availability or legal requirements in Michigan?
No. This is general educational planning information. Availability, eligibility, policy terms, licensing, and legal requirements must be confirmed for the individual account and jurisdiction.
Coverage descriptions are general. Eligibility, availability, terms, conditions, limits, deductibles, exclusions, and legal requirements vary by account, insurance market, and jurisdiction.