Michigan's Builders Risk Insurance Requirements

Michigan's Builders' Risk Insurance Requirements:

In Michigan, builder's risk insurance requirements focus on protecting the financial interests of all parties involved in a construction project. This means the policy should cover the property owner, the general contractor, subcontractors, architects, engineers, and lenders or investors. The specific requirements depend on the project's size, type, and the parties involved, but the core need is to safeguard against potential losses due to unforeseen events during construction. Adhering to builders' risk insurance requirements is essential to protecting a construction site and mitigating potential risks and losses. These requirements outline the necessary measures to deter theft, vandalism, and other incidents that could disrupt a project’s progress.

Construction cameras are crucial in meeting these standards and continuously monitoring and protecting your site. Your site is vulnerable without proper compliance, and your insurance coverage could also be at risk.

Below is a checklist to help confirm your security solution meets ordinary builders' risk insurance requirements.

1. Talkdown Capabilities

The system has the ability to communicate directly with intruders through live audio.
It allows security personnel or the monitoring team to issue verbal warnings.
This feature helps de-escalate situations before they become serious threats.

2. Audiovisual Deterrents

The system uses strobe lights to visually signal that the site is under surveillance.
Loud sirens alert potential intruders that they have been detected.
Systems should include customizable alerts based on different zones within the site.

3. Battery Backup

Battery backup should last at least four hours in the event of power loss.
The system should automatically switch to backup power without downtime.
Alerts should be sent if the battery is engaged or if the power loss extends beyond 30 minutes.

4. Operates in Low-Light Using Infrared (IR) Illumination

Cameras must be equipped with IR illumination or thermal imaging to maintain clear visibility at night or in dark conditions.
Low-light functionality should be capable of covering the entire site perimeter.
Continuous monitoring for site breaches, even in poor visibility conditions.

5. Detects and Distinguishes Intrusions in Real-Time

The system must identify and differentiate between vehicles and humans to reduce false alarms.
Real-time alerts are sent to the monitoring station for immediate verification and response.

6. Activates Monitoring During Non-Working Hours

Surveillance and monitoring must automatically activate when work ends and continue throughout the night.
The system should follow a predetermined schedule to ensure protection during downtime.
Fail-safes must be in place to prevent manual errors or gaps in monitoring.

7. Automates Activation Based on a Pre-Set Schedule

Systems must be programmable to activate according to specific site hours or activities.
The schedule should account for holidays, weekends, and any non-standard workdays.
Automatic activation helps eliminate reliance on manual processes and enhances security.

8. 24/7 Real-Time Alerts for Power, Connectivity, Tampering, and Camera Issues

Continuous monitoring for power loss, cellular or wireless connection failures, and any tampering with devices.
Immediate alerts for camera malfunction or focus issues to ensure constant coverage.
The monitoring center must oversee and address these issues promptly to minimize site vulnerabilities.

Meeting builders risk insurance requirements is crucial for protecting your construction site from theft, vandalism, and costly delays. A comprehensive security setup guarantees compliance with insurance standards and helps protect your project around the clock with real-time monitoring, motion detection, and audiovisual deterrents.

To simplify your security needs, check out our new all-in-one security solution, Choice Virtual Guard Service, designed specifically to address builders risk insurance requirements. With talkdown capabilities, real-time alerts, battery backup, and much more,

Choice Virtual Guard Service provides complete protection for your site.