15-Insurance Requirements - Risk Type 1 - Standard Contracts and Minor Construction.pdf
PDF 157 KB Posted
- Attached to
- Seaview Park Landscaping
- Solicitation number
- ITB No. 2026-023
- Issued by
- Palm Beach County, Florida
About this file
This is an insurance requirements document issued by the Town of Palm Beach, Florida, establishing minimum coverage standards for service providers, contractors, and subcontractors engaged under Town contracts classified as Risk Type 1 (Standard Contracts and Minor Construction). The document mandates that all service providers furnish proof of insurance coverage at least 30 business days prior to work commencement. Required coverages include Comprehensive General Liability Insurance with limits of $1,000,000 per occurrence/$2,000,000 aggregate (with the Town named as additional insured on a primary, non-contributory basis), Business Auto Liability coverage of $1,000,000 per occurrence combined single limit for all owned, hired, and non-owned vehicles ($300,000 minimum for personally owned vehicles), Workers' Compensation coverage at statutory limits under Florida State Statute 440 or equivalent federal coverage if applicable, and Employers Liability coverage with limits of $100,000 per accident, $100,000 disease per employee, and $500,000 disease policy limit. All insurance policies must be issued by companies authorized to conduct business in Florida and evidenced by certificates of insurance.
All required insurance policies must include a waiver of subrogation protecting the Town of Palm Beach, its agents, officers, employees, elected officials, and representatives, with coverage remaining primary and non-contributory. Service providers must notify Ebix at townofpalmbeach@ebix.com within 24 hours or the next business day of any policy cancellation, non-renewal, or modification, with failure to do so constituting breach of contract. The Town reserves the right to require additional coverages and higher limits based on the nature of services provided and maintains the authority to withhold payments to cover any claims exceeding the contracted scope of work. For claims-made basis policies, a retroactive date must be established prior to or concurrent with contract inception, and a Supplemental Extended Reporting Period (SERP) of minimum three years is required upon policy cancellation or non-renewal. If General Liability coverage limits fall below required minimums, Umbrella or Excess Liability coverage must supplement the deficiency.
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Text version
TOWN OF PALM BEACH
Insurance Requirements
Town of Palm Beach - Insurance Requirements
The Service Provider shall provide at its own cost and expense during the life of the contract, the following insurance coverages to the Town of Palm Beach (30) thirty business days’ prior to the commencement of any work. All service providers including any independent contractors and subcontractors utilized must comply with these requirements. All insurance policies shall be issued by companies authorized to do business under the laws of the State of Florida. The insurance shall be evidenced by certificates and/or policies including premiums as determined by the Town of Palm Beach. It shall be an affirmative obligation upon the Service Provider to advise Ebix at townofpalmbeach@ebix.com; P.O. Box 100085-HM, Duluth, GA 30096 within 24 hours or the next business day of cancellation, non-renewal or modification of any stipulated insurance and failure to do so shall be construed to be a breach of this Agreement/contract. The Town of Palm Beach reserves the right to require additional coverages and limits based upon the particular service or change in service provided by the Service Provider.
If the service provider maintains higher limits than the minimums shown below, the Town requires and shall be entitled to coverage for the higher limits maintained by the service provider.
Comprehensive General Liability Insurance coverage with limits of liability not less than $1,000,000 Each Occurrence/$2,000,000 Aggregate. The Certificate of Insurance shall indicate an Occurrence Basis. The Town of Palm Beach shall be endorsed as an additional insured under the General Liability coverage. The Service Provider’s General Liability coverage shall be primary and non-contributory.
For policies written on a Claims-made basis, service provider shall maintain a retroactive date prior to or equal to the effective date of the contract. In the event the policy is canceled, non-renewed, switched to an occurrence form or there is a change in retroactive date, or any other event triggering the right to purchase a Supplemental Extended Reporting Period (SERP) during the life of this contract, the service provider shall agree to purchase a SERP with a minimum reporting period of not less than three (3) years. Coverage is to apply on a primary basis.
Business Auto Liability coverage for any auto (all owned, hired, and non-owned autos) with limits not less than $1,000,000 each occurrence combined single limit each accident. In the event service provider does not own any autos, the Town will accept proof of Hired and Non-Owned Auto Liability. For personally owned vehicles, the Town requires limits not less than $300,000 each occurrence combined single limit.
Workers' Compensation coverage with statutory limits pursuant to Florida State Statute 440 or an exemption letter from the State. Should the scope of work performed by contractor qualify its employee for benefits under federal workers’ compensation statute (example, U.S. Longshore & Harbor Workers Act or Merchant Marine act), proof of appropriate federal act coverage must be provided. A waiver of subrogation must be provided.
Employers Liability coverage with limits not less than $100,000 for each accident, $100,000 disease (each employee) and $500,000 disease (policy limit).
Any operations under the contract, the amount excess of such claims or any portion thereof may be withheld from any payment due or to become due the Service Provider until such time the Service mailto:townofpalmbeach@ebix.com
TOWN OF PALM BEACH
Insurance Requirements
Town of Palm Beach - Insurance Requirements
Provider shall furnish such additional security covering such claims as may be determined by the Town of Palm Beach.
Umbrella or Excess Liability is required up to the minimum limit of liability if the limits of liability shown on the Certificate of Insurance under General Liability do not meet the minimum limit of liability as required.
All required insurance policies shall provide a waiver of subrogation and rights of recovery against the Town of Palm Beach, including its agents, officers, past and present employees, elected officials and representatives, the insurance policy in effect shall protect both parties and be primary and non- contributory for any and all losses covered by the above described insurance. Insurers have no recourse against the Town of Palm Beach for payment or assessments in any form on any insurance policy.
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