21. Basic Insurance for Contracts ExO 849 WC - Statutory Limits EL - $1 Million per illness and injury Work related injury or illness for their employees Workers’ Comp & Employer’s Liability WC & EL $1 Million combined single limit per accident Injury & damage from their ownership & operation of autos Automobile Liability (Commercial or Business Auto) CA or BA or AL $1 Million / occurrence $2 Million aggregate Injury, damage and contractual liability from their “work” General Liability (Commercial or Comprehensive) CGL Limits (minimum) Coverage Type
22. Specialized Insurance ExO 849 Amount as needed to meet minimum required limits Increase limits for specific insurance policies (general, auto) Excess or Umbrella Liability 100% of the value of the property Damage to your property being constructed, remodeled and/or installed Builder’s Risk (course of construction or installation) $1 Million / claim $1 Million aggregate Errors and Omissions in Professional Services causing injury, damage, failure to perform Professional Liability (errors & omissions) Limits (minimum) Coverage Type
23. Hazardous Materials ExO 849 $ 1 M Occurrence Cleanup of pollution * MCS-90 (transporters) (Federal Requirement) $2 M / Occurrence $2 M / Aggregate Sudden & Accidental Pollution * Automobile (transporters) $ 1 M / Claim $ 2 M / Aggregate Errors in professional services * Environmental Errors & Omissions $ 5 M / Occurrence $10 M / Aggregate Pollution of property Environmental Pollution $5 M / CSL Occ. $10 / Aggregate Increased limits and coverage breadth General Limits Coverage ADDITIONAL Liability Insurance
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30. Basic Insurance Endorsements ExO 849 30 days advance written notice of cancellation of any of the coverage Notice of Cancellation ALL Ownership and/or operation of automobiles (owned, scheduled, non-owned) Additional Insured Automobile Liability Operations, Products, Completed Operations their “ WORK” Additional Insured General Liability Language Endorsement Policy Type
31. Additional Insurance Endorsements CPDC CGC University shall not be reason of inclusion as additional insureds incur liability for payment of premiums Open Form ALL University insurance shall be excess of the contractor’s and shall not contribute with it Open Form General & Automobile Liability Insurance coverage shall be primary as respects the University Open Form General & Automobile Liability Language Endorsement Policy Type
32. Special Endorsements Provides funding for cleanup of pollution MCS-90 Automobile Liability (hazmat) Reinstates coverage normally excluded from automobile policies Sudden & Accidental Pollution Automobile Liability (hazmat) Policy limits in full apply to this project or contract (not all the contractor’s operations for the year) Amendment of Limits General Liability (CPDC CGC) Language Endorsement Policy Type
33. Special Endorsements Insurer waives rights to recover from YOU for any payments they make for injury or damage Waiver of Subrogation Builder’s Risk CPDC CGC Insurance will pay University for loss as respects $ interest Loss Payee Builder’s Risk CPDC CGC Insurer waives rights to recover from YOU for any payments they make for injury or damage Waiver of Subrogation Workers’ Comp & Employers’ Liability (ALWAYS) Language Endorsement Policy Type