| Insurance
Requirements
A.
Scope of Insurance
B. Workers Compensation Coverage
C. General, Automobile And Excess Or
Umbrella Liability Coverage
D. General Liability Coverage - Occurrence
Form Required
E. Business Auto Liability Coverage
F. Excess Or Umbrella Liability Coverage
G. Evidence/Certificates Of Insurance
H. Endorsements/Additional Insurance
A.
Scope of Insurance Back
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The Contractor shall procure and maintain
the following described insurance, except for coverages
specifically waived by the County, on policies and
with insurers with an A.
M. Best Company rating of at least A- VII, for
any or all claims which may arise out of, or result
from, the services, work and operations carried out
pursuant to and under the requirements of the Contract
Documents, whether such services, work and operations
be by the Contractor, its employees, or by subcontractor(s),
or anyone employed by or under the supervision of
any of them, or for whose acts any of them may be
legally liable.
The Contractor
shall require, and shall be responsible for assuring
throughout the time the Agreement is in effect, that
any and all of its subcontractors obtain and maintain
until the completion of that subcontractor’s work,
such of the insurance coverages described herein as
are required by law to be provided on behalf of their
employees and others.
The required
insurance shall be obtained and written for not less
than the limits of liability specified hereinafter,
or as required by law, whichever is greater.
These insurance
requirements shall not limit the liability of the
Contractor. The County does not represent these types
or amounts of insurance to be sufficient or adequate
to protect the Contractor’s interests or liabilities,
but are merely minimums.
Except for
workers compensation and professional liability, the
Contractor’s insurance policies shall be endorsed
to name Escambia County as an additional insured to
the extent of its interests arising from this agreement,
contract or lease.
The Contractor
waives its right of recovery against the County, to
the extent permitted by its insurance policies.
The Contractor’s
deductibles/self-insured retentions shall be disclosed
to the County and may be disapproved by the County.
They shall be reduced or eliminated at the option
of the County. The Contractor is responsible for the
amount of any deductible or self-insured retention.
Insurance
required of the Contractor or any other insurance
of the Contractor shall be considered primary, and
insurance of the County, if any, shall be considered
excess, as may be applicable to claims obligations
which arise out of this agreement, contract or lease.
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B.
Workers Compensation Coverage Back
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The Contractor
shall purchase and maintain workers compensation insurance
for all workers compensation obligations imposed by
state law and with employers liability limits of at
least $100,000 each accident and $100,000 each employee/$500,000
policy limit for disease, or a valid certificate of
exemption issued by the state of Florida, or an affidavit
in accordance with section 440.02(13)(d) and 440.10(1)(g)
Florida Statutes.
Contractor
shall also purchase any other coverages required by
law for the benefit of employees.
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C.
General, Automobile And Excess Or Umbrella Liability
Coverage Back to top
The Contractor shall purchase and maintain coverage
on forms no more restrictive than the latest editions
of the Commercial General Liability and Business Auto
policies of the Insurance Services Office.
Minimum
limits of $1,000,000 per occurrence for all liability
must be provided, with excess or umbrella insurance
making up the difference, if any, between the policy
limits of underlying policies (including employers
liability required in the Workers Compensation Coverage
section) and the total amount of coverage required.
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D.
General Liability Coverage: Occurrence Form Required
Back to top
Coverage A shall include bodily injury and property
damage liability for premises, operations, products
and completed operations, independent contractors,
contractual liability covering this agreement, contract
or lease, broad form property damage coverages, and
property damage resulting from explosion, collapse
or underground (x,c,u) exposures.
Coverage
B shall include personal injury.
Coverage
C, medical payments, is not required.
The Contractor
is required to continue to purchase products and completed
operations coverage, at least to satisfy this agreement,
contract or lease, for a minimum of three years beyond
the County’s acceptance of renovation or construction
projects.
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E.
Business Auto Liability Coverage Back
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Business Auto Liability coverage is to include bodily
injury and property damage arising out of ownership,
maintenance or use of any auto, including owned, nonowned
and hired automobiles and employee nonownership use.
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F.
Excess Or Umbrella Liability Coverage Back
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Umbrella Liability insurance is preferred, but an
Excess Liability equivalent may be allowed. Whichever
type of coverage is provided, it shall not be more
restrictive than the underlying insurance policy coverages.
Umbrella coverage shall drop down to provide coverage
where the underlying limits are exhausted.
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G.
Evidence/Certificates Of Insurance Back
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Required insurance shall be documented in Certificates
of Insurance. If and when required by the County,
Certificates of Insurance shall be accompanied by
documentation that is acceptable to the County establishing
that the insurance agent and/or agency issuing the
Certificate of Insurance has been duly authorized,
in writing, to do so by and on behalf of each insurance
company underwriting the insurance coverages(s) indicated
on each Certificate of Insurance.
New Certificates
of Insurance are to be provided to the County at least
30 days prior to coverage renewals. Failure of the
Contractor to provide the County with such renewal
certificates may be considered justification for the
County to terminate this agreement, contract or lease.
Certificates
should contain the following additional information.
- Indicate that Escambia County is an additional
insured on the general liability policy.
- Include a reference to the project and the Office
of Purchasing number.
- Disclose any self-insured retentions in excess
of $1,000.
- Designate Escambia County as the certificate
holder as follows:
Escambia County
Attention: ________________________
Office of Purchasing, Room 230
P.O. Box 1591
Pensacola, FL 32597-1591
Fax (850) 595-4805
- Indicate that the County shall be notified at
least 30 days in advance of cancellation.
Receipt
of certificates or other documentation of insurance
or policies or copies of policies by the County, or
by any of its representatives, which indicate less
coverage than required does not constitute a waiver
of the Contractor’s obligation to fulfill the insurance
requirements herein.
If requested by the County, the Contractor shall furnish
complete copies of the Contractor’s insurance policies,
forms and endorsements, and/or such additional information
with respect to its insurance as may be requested.
For Commercial
General Liability coverage the Contractor shall, at
the option of the County, provide an indication of
the amount of claims payments or reserves chargeable
to the aggregate amount of liability coverage.
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H.
Endorsements/Additional Insurance Back
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If checked below, the County requires the following
endorsements or additional types of insurance.
Termination/Adverse
Change Endorsement
All of Contractor's
policies, except for professional liability and workers
compensation insurance, are to be endorsed, and the
Contractor's Certificate(s) of Insurance shall state,
that the County shall be notified at least 30 days
in advance of cancellation, nonrenewal or adverse
change.
Property
Coverage For Leases
The Contractor
shall procure and maintain for the life of the lease,
all risk/special perils (including sinkhole) property
insurance (or its equivalent) to cover loss resulting
from damage to or destruction of the building and
personal property/contents. The policy shall cover
100% replacement cost, and shall include an agreed
value endorsement to waive coinsurance.
Coverage
shall also include continued full payment of rents
to the County for up to one year after damage or destruction
of the property
Commercial
General Liability Coverage Project Aggregate
Because
the Commercial General Liability form of coverage
includes an annual aggregate limitation on the amount
of insurance provided, a separate project aggregate
limit of $________ is required by the County for this
agreement or contract.
Liquor Liability
In anticipation
of alcohol being served, the Contractor shall provide
evidence of coverage for liquor liability in an amount
equal to the general/umbrella/excess liability coverage.
If the general liability insurance covers liquor liability
(e.g. host or other coverage), the Contractor's agent
or insurer should provide written documentation to
confirm that coverage already applies to this agreement,
contract or lease. If needed coverage is not included
in the general/umbrella/excess liability policy(ies),
the policy(ies) must be endorsed to extend coverage
for liquor liability, or a separate policy must be
purchased to provide liquor liability coverage in
the amount required.
Owners Protective
Liability Coverage
For renovation
or construction contracts the Contractor shall provide
for the County an owners protective liability insurance
policy (preferably through the Contractor’s insurer)
in the name of the County.
This is
redundant coverage if the County is named as an additional
insured in the Contractor’s Commercial General Liability
insurance policy. However, this separate policy may
be the only source of coverage if the Contractor’s
liability coverage limit is used up by other claims.
Builders
Risk Coverage
Builders
Risk insurance is to be purchased to cover subject
property for all risks of loss, subject to a waiver
of coinsurance, and covering off-site storage, transit
and installation risks as indicated in the Installation
Floater and Motor Truck Cargo insurance described
hereafter, if such coverages are not separately provided.
The Builders
Risk insurance is to be endorsed to cover the interests
of all parties, including the County and all contractors
and subcontractors. The insurance is to be endorsed
to grant permission to occupy.
Installation
Floater Coverage
Installation
Floater insurance is to be purchased when Builder’s
Risk insurance is inappropriate, or when Builder’s
Risk insurance will not respond, to cover damage or
destruction to renovations, repairs or equipment being
installed or otherwise being handled or stored by
the Contractor, including off-site storage, transit
and installation. The amount of coverage should be
adequate to provide full replacement value of the
property, repairs, additions or equipment being installed,
otherwise being handled or stored on or off premises.
All risks coverage is preferred.
Motor Truck
Cargo Coverage
If the Installation
Floater insurance does not provide transportation
coverage, separate Motor Truck Cargo or Transportation
insurance is to be provided for materials or equipment
transported in the Contractor’s or other vehicles
from place of receipt to building sites or other storage
sites. All risks coverage is preferred.
Contractor’s
Equipment Coverage
Contractor’s
Equipment insurance is to be purchased to cover loss
of equipment and machinery utilized in the performance
of work by the Contractor. All risks coverage is preferred.
Fidelity/Dishonesty
Coverage - for Employer
Fidelity/Dishonesty
insurance is to be purchased to cover dishonest acts
of the Contractor’s employees, including but not limited
to theft of vehicles, materials, supplies, equipment,
tools, etc., especially property necessary to work
performed.
Fidelity/Dishonesty/Liability
Coverage - for County
Fidelity/Dishonesty/Liability
insurance is to be purchased or extended to cover
dishonest acts of the Contractor’s employees resulting
in loss to the County.
Watercraft
Liability Coverage
Because
the Contractor’s provision of services involves utilization
of watercraft, watercraft liability coverage must
be provided to include bodily injury and property
damage arising out of ownership, maintenance or use
of any watercraft, including owned, nonowned and hired.
Coverage
may be provided in the form of an endorsement to the
general liability policy, or in the form of a separate
policy covering Watercraft Liability or Protection
and Indemnity.
United States
Longshoremen and Harborworkers Act Coverage
The Workers
Compensation policy is to be endorsed to include United
States Longshoremen and Harborworkers Act Coverage
for exposures which may arise from this agreement
or contract.
Jones Act
Coverage
The Workers
Compensation policy is to be endorsed to include Jones
Act Coverage for exposures which may arise from this
agreement or contract.
Aircraft
Liability Coverage
Because
the Contractor’s provision of services involves utilization
of aircraft, aircraft liability coverage must be provided
to include bodily injury and property damage arising
out of ownership, maintenance or use of any aircraft,
including owned, nonowned and hired.
The minimum
limits of coverage shall be $__,000,000 per occurrence,
Combined Single Limit for Bodily Injury (including
passenger liability) and Property Damage.
Pollution/Environmental
Impairment Liability Coverage
Pollution/environmental
impairment liability insurance is to be purchased
to cover pollution and/or environmental impairment
which may arise from this agreement or contract.
Professional
Liability/Malpractice/Errors or Omissions Insurance
The Contractor
shall purchase and maintain professional liability
or malpractice or errors or omissions insurance with
minimum limits of $ ,000,000 per occurrence.
If a claims
made form of coverage is provided, the retroactive
date of coverage shall be no later than the inception
date of claims made coverage, unless the prior policy
was extended indefinitely to cover prior acts.
Coverage
shall be extended beyond the policy year either by
a supplemental extended reporting period (ERP) of
as great duration as available, and with no less coverage
and with reinstated aggregate
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