Michigan Certificate of Specific or Aggregate Excess Liability Insurance, also known as a Self Insurer, is a form of insurance that provides additional protection for businesses operating in the state of Michigan. It is designed to protect the business from any financial losses that may arise due to legal liability claims or claims of negligence. This type of insurance is available in two forms: specific and aggregate. Specifically, the Certificate of Specific Excess Liability Insurance provides additional coverage for a specific risk, such as a particular incident or claim. This type of coverage is often used for claims that are higher than the amount of coverage provided by the business’s primary policy. Meanwhile, the Certificate of Aggregate Excess Liability Insurance provides additional coverage for all risks associated with the business’s operations in Michigan. This type of coverage is typically used to cover the costs of multiple claims that may arise during a certain period of time. In both cases, the insurance coverage provided by the Michigan Certificate of Specific or Aggregate Excess Liability Insurance is intended to supplement the existing coverage of the business’s other primary policies. The certificate is issued by the Michigan Department of Insurance and Financial Services, and can be purchased from a licensed insurance agent or broker.