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Participants of the Fund must be a member of a Michigan ABC Chapter. Non-members may receive a proposal from the Fund. Upon joining the Fund, the business would then be required to join an ABC Chapter. To be eligible, a business must serve in the construction industry as a contractor, subcontractor, or a supplier and must meet underwriting review based on loss history. The Fund covers a wide variety of classifications; however, certain exposures such as roofers, steel erectors, demolition contractors are not eligible.