16-ITB-25-00380 Insurance Requirements.pdf

This document is an Insurance Requirements document from the Hillsborough County Risk Management Division for contractors seeking to do business with the county. The document comprehensively outlines mandatory insurance coverage types and minimum coverage limits for various liability categories, including Commercial General Liability, Professional Liability, Workers' Compensation, Cyber Liability, and several additional optional coverages. Contractors are required to obtain and maintain insurance from providers authorized to transact business in Florida, with A.M. Best ratings of A-, Class 7 or better, and acceptable to Hillsborough County.

The insurance requirements specify detailed coverage limits for each category, with most liability types requiring a minimum of $1,000,000 per occurrence. Notable requirements include Commercial General Liability with coverage for bodily injury, property damage, medical expenses, and personal/advertising injury, with aggregate limits of $2,000,000. Workers' Compensation is required for all employers, with an exemption for businesses having 3 or fewer employees. The document also mandates that contractors provide certificates of insurance before performing any services, maintain primary non-contributory coverage, and give 30 days' written notice of any policy changes or cancellations. The document is marked as revised for 2025 and provides comprehensive guidelines for insurance compliance when contracting with Hillsborough County.