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Minimum Insurance Requirements for Construction, NonConstruction, Consultants and Professional Design Contracts

Highlights

 

This site is informational. It does not supersede our construction contract. 


There may be some variation between types of projects. Refer to the documentation provided (to the contractor) for details. 

Depending on the insurance company, their forms may or may not be ISO standard forms. We rely on the agent to provide proof that our requirements are met. Work cannot begin until our requirements are met. 

It is very helpful if the agent includes their telephone number and email address on the certificate. 

Note: Where a dollar amount is specified below, each entry should be read as prefaced by "at least." 

We reserve the right to require increased limits of coverage if, in our opinion, the project is hazardous in nature or poses a higher than usual risk. 
 
If you are a contractor you must be aware that you are required to meet the insurance specifications during the time of construction and during the warranty period, usually one year after the project is accepted by us. 

Insurance companies: All insurance companies selected by contractor must be rated "A-" or above in the most recent edition of the A.M. Best's Key Rating Guide. 
 

Requirements Document 

Obligations of Contractors and Consultants 

 

emphasis added

Contractors and Consultants (whether corporation, sole proprietorship or partnership) shall procure and maintain during the term of the contract and until final acceptance of the completed work under the contract, insurance of the types of coverages and minimum limits as identified here and shall provide the Owner with Certificate(s) of Insurance evidencing these coverages prior to beginning work. With the exception of their "hold harmless" obligations, which are addressed separately below, Contractors and Consultants shall be referred to herein as "Contractor," irrespective of their area of expertise.
  • It is the responsibility of the Contractor and Subcontractors to become familiar with Owner's insurance requirements and to ensure that they can meet these requirements prior to submitting a bid to perform the work. Please provide this exhibit to your insurance agent so the correct certificate can be issued without delay. 
  • No Contractor or Subcontractor of any tier shall be on the jobsite or proceed with work, and shall not be paid for any work performed, until proper certificate(s) of insurance have been submitted to and approved by the Owner. All required insurance policies shall be written by a company(s) authorized to do business in Florida. The Owner shall not be liable to any person for the failure of the Contractor or any Subcontractor to carry specified insurance. 
  • It is the responsibility of all Contractors to ensure that all of its Subcontractors also meet these insurance requirements. 
  • If any part of any coverage includes a deductible, self-insurance, a captive insurance company or a fronting arrangement, the amount so covered must be disclosed on the certificate or in a separate letter from the Contractor and shall be the responsibility of the Contractor. Owner reserves the right to approve of this coverage.
  • NOTE: Contractor is required to meet the insurance specifications during the time of construction and during the warranty period, usually one year after the project is accepted by Owner.
 

CERTIFICATE HOLDER: University of North Florida Board of Trustees 1 UNF Drive Jacksonville, FL 32224

Insurance Requirements


1. General Liability 

 
    Construction Contracts 
  • Each occurrence: $1 million 
  • General aggregate: $2 million 
  • Products and Completed Operations: $1 million 
  • The "COMMERCIAL GENERAL LIABILITY" box must be checked 
  • The "OCCUR" box must be checked  Per Project must be checked
 

       Design/Consultant Contracts 
  • Each occurrence: $1 million 
  • General aggregate: $2 million 
  • The "COMMERCIAL GENERAL LIABILITY" box must be checked 
  • The "OCCUR" box must be checked

2. Automobile Liability

  • The box(es) that is/are checked must include a check in the box for Any Auto or All Owned, Hired and Non-Owned Autos 
  • Combined Single Limit coverage: $1 million. 
  • If separate Bodily Injury and Property Damage limits are purchased, each must be $1 million.

3. Excess/Umbrella

  •     Excess coverage per se is not required. However, any of the dollar amount requirements can be met by a combination of primary and excess coverage.
  •     Excess/umbrella coverage must be per occurrence coverage.

4. Professional Liability Insurance

  •     Any type of design or consulting contract requires Professional Liability coverage of at least $1 million.
  •     Owner reserves the right to require increased limits of coverage if, in the opinion of the Owner, project is hazardous in nature or poses a higher than usual risk. (This applies to all coverages.)

5. Workers Compensation

The Contractor shall procure and maintain a Workers' Compensation policy to cover its obligation under the applicable laws of any state or federal government to its employees employed on the jobsite or elsewhere on this project, including its liability as an employer under common law (commonly known as Employer's Liability Coverage "B") with limits of not less than that listed below. If the Contractor has no employees (i.e., a one-person shop) then a Certificate of Exception must be obtained from the State.

Worker's Compensation: Statutory
Employer's Liability $ 500,000 each accident or disease
Employer's Liability $ 500,000 policy limit
Employer's Liability $ 500,000 each employee
 

Insurance Policy Endorsements

All insurance policies must provide the following endorsements to the policy and must be noted on the certificate(s): 
  1. Additional Insured Endorsement form required on General Liability, Automobile Liability and Excess/Umbrella Liability policies naming "The University of North Florida Board of Trustees, its officers, agents and employees." 
  2. Aggregate Per–Project Endorsement to the General Liability Policy indicating that the general aggregate applies separately to each project except certificates being sent for the Consultants Master Agreement. 
  3. Waiver of Subrogation on General Liability, Automobile Liability, and Employer's Liability/Workers' Compensation Policies in favor of the Owner. 
  4. The general and auto liability (and excess/umbrella, if used) insurance policies shall be primary and non-contributing with respect to any insurance carried by the Owner, and shall contain a severability of interests clause in respect to liability, protecting each insured as though a separate policy had been issued to each. 
  5. All policies shall contain an endorsement requiring (30) days written notice by the insurer to the Certificate Holder before cancellation, reduction or other modifications of coverage for any reason.

Certificate Details

Insurance Companies

All insurance carriers selected by contractor must be rated "A-" or above in the most recent edition of the "A.M. Best's Key Rating Guide."

Hold Harmless Agreement

Contractor shall indemnify and save harmless the Owner from any and all losses, costs, damages, liability and expenses, including reasonable attorney fees ("Losses"), arising out of or in conjunction with claims or suits for damage to any property not included in the scope of work and/or injury to persons, including Contractor's employees and all Subcontractor's employees of any tier, including death, alleged or claimed to have been caused by or through the performance of the work or operations incidental to the work by the Contractor, its agents or employees, or by its Subcontractors of any tier, their agents or employees, whether through negligence or willful act; and Contractor shall, at the request of Owner, undertake to investigate and defend any and all such claims or suits against Owner.

Hold Harmless Agreement—Consultants

With regard to losses, costs, damages, liability and expenses, including reasonable attorney fees ("Losses") that may be covered by Consultant’s professional liability insurance, Consultant shall indemnify and save harmless the Owner from any and all Losses arising out of or in conjunction with claims or suits for damage to any property not included in the scope of work and/or injury to persons, including Consultant’s employees and all employees of a Sub-Consultant, if any, of any tier, including death, caused by or through the performance of the work or operations incidental to the work by the Consultant, its agents or employees, or by its Sub-Consultants, if any, of any tier, their agents or employees, whether through negligence or willful act and Consultant. 
 
With regard to losses, costs, damages, liability and expenses, including reasonable attorney fees ("Losses") that may be covered by Consultant’s other liability insurance programs, Consultant shall indemnify and save harmless the Owner from any and all losses, costs, damages, liability and expenses, including reasonable attorney fees ("Losses"), arising out of or in conjunction with claims or suits for damage to any property not included in the scope of work and/or injury to persons, including Consultant’s employees and all employees of a Sub-Consultant, if any, of any tier, including death, alleged or claimed to have been caused by or through the performance of the work or operations incidental to the work by the Consultant, its agents or employees, or by its Sub-Consultants, if any, of any tier, their agents or employees, whether through negligence or willful act and Consultant shall, at the request of Owner, undertake to investigate and defend any and all such claims or suits against Owner.