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Minimum Insurance Requirements for Vendors and NonConstruction Contracts

Obligations of Vendors

Vendors (whether corporation, sole proprietorship or partnership) shall procure and maintain during the term of the contract insurance of the types of coverages and minimum limits as identified here and shall provide the University of North Florida (UNF) with Certificate(s) of Insurance evidencing these coverages prior to the beginning of the contract. 

  • It is the responsibility of the Vendors to become familiar with UNF's insurance requirements and to ensure that they can meet these requirements prior to signing of any contract(s). Please provide this exhibit to your insurance agent so the correct certificate can be issued without delay. 
  • No Vendor shall provide contracted services, and shall not be paid for any contracted services, until proper certificate(s) of insurance have been submitted to and approved by the UNF. All required insurance policies shall be written by a company(s) authorized to do business in Florida. UNF shall not be liable to any person for the failure of the Vendor to carry specified insurance.
  • 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 Vendor and shall be the responsibility of the Vendor. UNF reserves the right to approve of this coverage.

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

Insurance Requirements

1. General Liability

  • Each occurrence: $1 million 
  • Products: $1 million  Damage to premises: $500,000 
  • 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.
  • UNF reserves the right to require increased limits of coverage if, in the opinion of UNF, any provision of the contract includes products or activity that is hazardous in nature or poses a higher than usual risk.

4. Worker's Compensation

 

If the Vendor will be on University premises (other than incidental visits to the Purchasing Department), the Vendor 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. Before commencing contracted activities, If the Vendor 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 $ 500,000 policy limit $ 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 "University of North Florida Board of Trustees, its officers, agents and employees." 
  2.  Waiver of Subrogation on General Liability, Automobile Liability, and Employer's Liability/Workers' Compensation Policies in favor of UNF. 
  3. All insurance policies shall be primary and non-contributing with respect to any insurance carried by UNF, 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. 
  4. All policies shall contain a covenant requiring (30) days written notice by the insurer to the UNF 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

Vendor shall indemnify and save harmless UNF from any and all losses, costs, damages, liability and expenses, including reasonable attorney fees, arising out of or in conjunction with claims or suits for damage to any property and/or injury to persons, including Vendor's employees, including death, alleged or claimed to have been caused by or through the performance of the contract or operations incidental to the contract by the Vendor, its agents or employees, whether through negligence or willful act; and Vendor shall, at the request of UNF, undertake to investigate and defend any and all such claims or suits against UNF.