Construction · Grand Rapids, MI
Welcome, Summit Builders, LLC
Your agent: Dana OkaforHartline Insurance Group — Grand Rapids
Insurance · Policies & Exposure
As of Jun 21, 2026 · sample program, not live coverage| Coverage | Policy # | Limits | Effective | Expiration | Premium | Status | Actions |
|---|---|---|---|---|---|---|---|
| Commercial General Liability | HIG-GL-4471902 | $1M / $2M agg | Jan 1, 2026 | Jan 1, 2027 | $24,500 | Active | |
| Workers' Compensation & Employers' Liability | HIG-WC-4471888 | EL $1M / $1M / $1M | Jan 1, 2026 | Jan 1, 2027 | $61,200 | Active | |
| Commercial Auto (Fleet) | HIG-CA-4471902 | $1M CSL | Jul 10, 2025 | Jul 10, 2026 | $18,900 | 19d left | |
| Contractors Equipment (Inland Marine) | HIG-IM-551903 | $2.4M scheduled | Jan 1, 2026 | Jan 1, 2027 | $12,800 | Active | |
| Builders Risk (Course of Construction) | HIG-BR-771204 | $5M any one project | Jan 1, 2026 | Jan 1, 2027 | $9,400 | Active | |
| Commercial Umbrella | HIG-UMB-902331 | $5M excess | Jan 1, 2026 | Jan 1, 2027 | $11,600 | Active | |
| Total annual premium | $138,400 | ||||||
6 of 6 lines · does not reflect your specific policy terms.
GL & WC Exposure Basis
Class codes with sales & payroll
0.86
EMR / X-Mod
| Code | GL Classification | St | Exposure |
|---|---|---|---|
| 91560 | Concrete Construction | MI | $587KPayroll |
| 10257 | Building Material Distributors | MI | $6.5MSales |
| 91581 | Contractors — subcontracted work — in connection with construction | MI | $1.4MPayroll |
| 99310 | Snow and Ice Removal — Contractor | MI | $17KSales |
| Code | WC Classification | St | Exposure |
|---|---|---|---|
| 8058 | Building Material Dealer — New or Used Store Employees | MI | $214KPayroll |
| 9402 | Snow Removal — Clearing Snow from Streets, Roads or Parking Lots | MI | $42KPayroll |
| 5221 | Concrete Construction — Floors, Driveways, Yards or Sidewalks | MI | $527KPayroll |
| 7380 | Chauffeurs and/or Drivers NOC | MI | $169KPayroll |
14% better than industry average.
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