202581456 CCD ROCIP Insurance Manual DRAFT.pdf

IMPORTANT

YOUR PROJECT CODE IS ALSO

YOUR ROCIP ENROLLMENT

CODE. YOU MUST HAVE THIS

NUMBER TO ENROLL.

Insurance Manual

Rolling Owner Controlled Insurance Program (ROCIP)

Revised September 2025

ISSUED TO

LEAD CONTRACTOR: [Enter name of GC]

PROJECT NAME: [Enter name of CCD Project]

PROJECT CODE:

(CCD Contract No.)

[Enter CCD Contract Number]

THIS PAGE INTENTIONALLY LEFT BLANK

CONTENTS

1. OVERVIEW ----------------------------------------------------------------------------------------------------------- 3

1.1 What is a ROCIP --------------------------------------------------------------------------------------------------------- 3

1.2 ROCIP and Your Project Bid ------------------------------------------------------------------------------------------ 3

1.3 Talk with Your Insurance Provider Before You Bid ------------------------------------------------------------- 3

1.4 No Limitation of Liability---------------------------------------------------------------------------------------------- 3

1.5 Loss Experience --------------------------------------------------------------------------------------------------------- 4

1.5.1 Workers’ Compensation Losses -------------------------------------------------------------------------- 4

1.5.2 Other Types of Insurance Losses ------------------------------------------------------------------------- 4

1.6 Assignment of Return Premiums ----------------------------------------------------------------------------------- 4

1.7 About This Manual ----------------------------------------------------------------------------------------------------- 4

2. PROGRAM CONTACT DIRECTORY ----------------------------------------------------------------------------------- 5

3. DEFINITIONS --------------------------------------------------------------------------------------------------------- 6

4. ROCIP PROGRAM AND INSURANCE COVERAGES ------------------------------------------------------------------ 7

4.1 Insurance Policy Term ------------------------------------------------------------------------------------------------- 7

4.2 Covered Parties --------------------------------------------------------------------------------------------------------- 7

4.2.1 Named Insured Entities ------------------------------------------------------------------------------------ 7

4.2.2 Additional Insured Entities-------------------------------------------------------------------------------- 7

4.3 Those Not Covered ----------------------------------------------------------------------------------------------------- 7

4.3.1 Entities Not Enrolled ---------------------------------------------------------------------------------------- 7

4.3.2 Ineligible Entities --------------------------------------------------------------------------------------------- 7

4.3.3 Excluded Entities --------------------------------------------------------------------------------------------- 8

4.3.4 Exempt Entities ----------------------------------------------------------------------------------------------- 8

4.4 Covered Locations ------------------------------------------------------------------------------------------------------ 9

4.4.1 Off-Site Operations Coverage Exceptions ------------------------------------------------------------- 9

4.5 Evidence of Coverage ------------------------------------------------------------------------------------------------- 9

4.6 ROCIP Insurance Coverage Descriptions -------------------------------------------------------------------------- 9

4.6.1 Workers’ Compensation and Employer’s Liability (On-Site Only) ------------------------------- 9

4.6.2 Commercial General Liability (On-Site Only) -------------------------------------------------------- 10

4.6.3 Excess Liability ---------------------------------------------------------------------------------------------- 10

4.6.4 Contractor’s Pollution Liability ------------------------------------------------------------------------- 10

4.6.5 Builder’s Risk ------------------------------------------------------------------------------------------------ 11

4.7 Termination and Modification ------------------------------------------------------------------------------------ 11

4.8 Claim Charge-Back --------------------------------------------------------------------------------------------------- 11

5. NON-ROCIP AND OFF-SITE INSURANCE REQUIREMENTS FOR CONTRACTORS --------------------------------- 13

5.1 Certificate Holder ---------------------------------------------------------------------------------------------------- 13

5.2 Coverages and Limits ------------------------------------------------------------------------------------------------ 14

5.2.1 Commercial General Liability --------------------------------------------------------------------------- 14

5.2.2 Business Automobile Liability --------------------------------------------------------------------------- 14

5.2.3 Workers’ Compensation and Employer’s Liability Insurance ----------------------------------- 14

5.2.4 Professional Liability -------------------------------------------------------------------------------------- 14

5.2.5 Property Coverage for Contractor’s Tools and Equipment -------------------------------------- 15

5.2.6 Other Coverages That May Be Required ------------------------------------------------------------- 15

5.3 Additional Insured ---------------------------------------------------------------------------------------------------- 15

5.4 Waiver of Subrogation ---------------------------------------------------------------------------------------------- 15

5.5 Notice of Material Change, Cancellation or Nonrenewal -------------------------------------------------- 15

5.6 Additional Provisions ------------------------------------------------------------------------------------------------ 16

6. CONTRACTOR RESPONSIBILITIES ---------------------------------------------------------------------------------- 17

6.1 Enrollment ------------------------------------------------------------------------------------------------------------- 17

6.2 Contract Documents ------------------------------------------------------------------------------------------------- 17

6.3 Notification of Awarded Subcontracts -------------------------------------------------------------------------- 17

6.4 Notification of Insurance Cancellation or Nonrenewal ----------------------------------------------------- 17

6.5 Payroll and Labor Hours Reporting, Records and Audits --------------------------------------------------- 18

6.5.1 Submitting Payroll and Labor Hours Reports ------------------------------------------------------- 18

6.5.2 Records and Audits ---------------------------------------------------------------------------------------- 18

6.6 Safety Procedures ---------------------------------------------------------------------------------------------------- 18

6.7 Workers’ Compensation Posting Notices ----------------------------------------------------------------------- 18

6.8 Claims Reporting and Management ----------------------------------------------------------------------------- 19

6.9 Completion of Work and Closeout ------------------------------------------------------------------------------- 19

7. CLAIM REPORTING AND MANAGEMENT -------------------------------------------------------------------------- 20

8. USING THE CONTRACTOR ONLINE PORTAL ----------------------------------------------------------------------- 21

8.1 How to Register Your Company and Log-in -------------------------------------------------------------------- 21

8.2 How to Enroll in a Project ------------------------------------------------------------------------------------------ 22

8.3 How to Check Subcontractor Enrollment Status ------------------------------------------------------------- 28

8.4 Uploading Additional Supporting Documentation ----------------------------------------------------------- 28

8.5 How to Add Subcontractors --------------------------------------------------------------------------------------- 29

8.6 How to Register/Add Subcontractors that are Ineligible, Excluded or Exempt ----------------------- 30

8.7 How to View List of Subcontractors ----------------------------------------------------------------------------- 31

8.8 How to Report Payroll and Labor Hours ------------------------------------------------------------------------ 31

8.9 How to Closeout a Project ----------------------------------------------------------------------------------------- 33

9. FREQUENTLY ASKED QUESTIONS ---------------------------------------------------------------------------------- 36

9.1 General Topics -------------------------------------------------------------------------------------------------------- 36

9.2 Enrollment Topics ---------------------------------------------------------------------------------------------------- 36

9.3 Payroll Topics ---------------------------------------------------------------------------------------------------------- 38

10. ADDITIONAL RESOURCES ------------------------------------------------------------------------------------------ 39

10.1 Sample Certificate of Insurance----------------------------------------------------------------------------------- 39

10.2 Workers’ Compensation Information and Designated Medical Provider Form (CO Form WC49) 39

10.3 Workers’ Compensation Worker Notice and Designated Medical Provider List Poster ------------ 39

10.4 Workers’ Compensation Notice of Injury Poster (CO Form WC50) -------------------------------------- 39

CCD ROCIP INSURANCE MANUAL

REVISED SEPTEMBER 2025

1. OVERVIEW

Welcome to the City and County of Denver’s ROCIP!

1.1 What is a ROCIP

ROCIP stands for Rolling Owner Controlled Insurance Program. It is an insurance program that covers City and County of Denver (CCD) as the Project Owner, Enrolled Contractors of every tier and other designated parties for Work performed for various CCD Projects. Not all contractors are eligible, excluded groups are identified in Section 4.

Insurance coverages provided under CCD’s program include:

Builder’s Risk Commercial General Liability Contractor’s Pollution Liability Excess Liability Workers’ Compensation Employer’s Liability

1.2 ROCIP and Your Project Bid

Insurance premiums associated with the ROCIP will be paid by CCD. coverage Each bidder of every tier is required to exclude from its bid price its normal cost for the insurance coverages that are part of the ROCIP. Initial bids and all subsequent change orders must exclude all costs for insurance provided under the ROCIP. Excluded insurance costs are subject to verification and documentation by the ROCIP Administrator and CCD.

1.3 Talk with Your Insurance Provider Before You Bid

Insurance coverage and limits provided under the ROCIP are specific to CCD ROCIP Projects. It is important that you provide your insurance provider a copy of the ROCIP insurance so they may assist you in determining what insurance you must procure and related insurance costs.

Before estimating insurance costs or requesting project(s) be excluded from your regular coverage, read this manual in its entirety and provide a copy to your insurance provider.

1.4 No Limitation of Liability

The provisions of insurance and other requirements set forth in this ROCIP Insurance Manual shall in no way release or limit the Contractor’s liability, responsibility, or obligations arising out of its performance of Work under the Contract or any applicable statute, law, regulation, or order including any liability in excess of the insurance coverage secured under the CCD ROCIP. By securing the insurance under the CCD ROCIP, CCD does not assume any liability for the insured risks or liability arising out of the Contractor’s performance.

PARTICIPATION IS MANDATORY

BUT NOT AUTOMATIC

Each Contractor must officially enroll in the program, excluding ineligible types of contractors identified in Section 4

IF YOUR INSURANCE BROKER IS NOT FAMILIAR

WITH OWNER CONTROLLED INSURANCE

PROGRAMS CONTACT CCD RISK FOR A LIST OF

VETTED AND KNOWLEDGEABLE LOCAL BROKERS

FOR A CONSULTATION

1.5 Loss Experience

Depending on the type of loss covered by insurance, the loss experience during the time period a Contractor is participating in a ROCIP may be attributed to their organization, as it would be under their standard company purchased insurance policies, or solely to CCD as the owner of the ROCIP.

1.5.1 Workers’ Compensation Losses

Claims and payroll attributed to a ROCIP must be reported to the Workers’ Compensation Bureau and will therefore impact a Contractor’s experience modification rate (EMR)— either positively or negatively—depending on loss record.

1.5.2 Other Types of Insurance Losses

Claims related to Commercial General Liability, Pollution Liability or Builder’s Risk may not directly impact the loss record of participating Contractors, but are attributed to the policy owner, which is CCD.

1.6 Assignment of Return Premiums

The cost of the CCD ROCIP insurance policies will be paid by CCD and CCD will be the sole recipient of any return premiums or dividends. All Enrolled Contractors shall assign to CCD all adjustments, refunds, premium discounts, dividends, credits or any other monies due from the CCD ROCIP Insurers. Contractors shall assure that each Enrolled Subcontractor of any tier shall execute such an assignment. The Insurance Application that the Contractor completes on-line will be used for this purpose.

1.7 About This Manual

This manual was prepared by CCD with Arthur J.

Gallagher Risk Management Services, Inc., the insurance broker and ROCIP Administrator for CCD, and is designed to identify, define and assign responsibilities for the administration of the ROCIP.

We hope it answers most of your insurance-related questions.

This manual may only be updated and distributed during the course of the Project by the ROCIP Administrator AND is subject to review and final approval by CCD. Any revised versions shall replace and supersede all previous versions.

DISCLAIMER: This manual does not, and is not intended to, provide coverage interpretations or complete information about coverages. The terms and conditions of the insurance policies will govern how coverage is applied. If any conflict exists between this manual and the ROCIP insurance policies or contract documents between CCD and Contractor, the policies and contract documents will govern.

IF YOU HAVE QUESTIONS ABOUT ANY

ASPECT OF THE INFORMATION

PROVIDED IN THIS MANUAL,

CONTACT THE ROCIP SERVICE TEAM

LISTED IN SECTION 2.

2. PROGRAM CONTACT DIRECTORY

Following is a list of key risk management and insurance contacts for the CCD ROCIP.

CCD selected Arthur J. Gallagher Risk Management Services, Inc.

(AJG) as its ROCIP Administrator to direct the overall administration, safety, loss control and claims management. Below you will find key contacts for both AJG as well as CCD Risk Management and CCD Safety team members involved with the ROCIP programs.

SERVICE TEAM

NAME ROLE PHONE EMAIL

Jeff Kassal Area Executive Vice President 303.889.2530 Jeff_Kassal@ajg.com

Frances Tsui Client Service Executive 415.536.8424 Frances_Tsui@ajg.com

Tracy Pettersen Client Service Manager 303.889.2534 Tracy_Pettersen@ajg.com

Heather Lawson Manager of Wrap-up Services 314.800.2205 Heather_Lawson@ajg.com

Letizia Brownlee Client Service Manager 314.338.7336 Letizia_Brownleee@ajg.com

Richard Bednar Senior Claims Advocate 952.358.7529 Richard_bednar@ajg.com

Jack Nelson Senior Claims Advocate 630.707.5188 Jack_Nelson@ajg.com

Ed Davis Client Risk Solutions Leader 303.889.2552 Ed_Davis@ajg.com

RISK MANAGEMENT

SAFETY and LOSS CONTROL Theresa Goodwin 303.907.4488 Theresa.Goodwin@denvergov.org Kris Wilson 720.390.8322 Kris.Wilson@denvergov.org Ryan Thomas 720.376.1478 Ryan.Thomas@denvergov.org

CCD ROCIP Safety Mailbox CCDROCIPSafety@denvergov.org

Devron McMillin- Morrison

720.913.3345 Devron.McMillin-

Morrison@denvergov.org

April Hansen 805.587.2677 April.Hansen@denvergov.org

GALLAGHER KEY CONTACTS

CCD KEY CONTACTS

mailto:Jeff_Kassal@ajg.com mailto:Frances_Tsui@ajg.com mailto:Tracy_Pettersen@ajg.com mailto:Heather_Lawson@ajg.com mailto:Letizia_Brownleee@ajg.com mailto:Richard_bednar@ajg.com mailto:Jack_Nelson@ajg.com mailto:Ed_Davis@ajg.com mailto:Devron.McMillin-Morrison@denvergov.org mailto:Devron.McMillin-Morrison@denvergov.org mailto:April.Hansen@denvergov.org mailto:Theresa.Goodwin@denvergov.org mailto:Kris.Wilson@denvergov.org mailto:Ryan.Thomas@denvergov.org mailto:CCDROCIPSafety@denvergov.org

3. DEFINITIONS

Charge Back A fee assessed to the Enrolled Entity primarily responsible for any loss payable under the ROCIP Commercial General Liability, Builder’s Risk, and/or Contractor’s Pollution Liability policies. Charge Back does NOT apply to Excess Liability or Workers’ Compensation policy losses.

Contract A written agreement between CCD and the Lead Contractor describing the Work, Contract terms and conditions, or a portion thereof; includes a written agreement between a Contractor and any tier of Subcontractor.

Contractor As respects the ROCIP, “Contractor” includes: construction managers at risk, prime contractors, general contractors, joint venture entities and subcontractors of all tiers that perform Work on a Project Site.

Contractor Safety Representative

The Safety Representative for each Contractor on site is responsible for the safety of that contractor, its subcontractors and all respective employees. This representative is also the liaison with Gallagher and CCD personnel and as needed with the ROCIP Insurers.

Deductible A specified amount of money that the insured or contractually responsible party must pay out-of-pocket for covered services before the insurance policy begins to pay for the loss or service.

Enrolled Entities Contractors that have (i) been awarded work, (ii) submitted all necessary enrollment forms, (iii) met all enrollment requirements, and (iv) been issued a Certificate of Insurance by the ROCIP Administrator.

Ineligible Entities Types contractors based on work performed. See Section 4 for detail.

Lead Contractor The Contractor that enters directly into a formal Contract with CCD for work performed at a Project Site. Please note that (i) the moniker for Lead Contractor used in the actual contract document may differ and (ii) Lead Contractor is often referred to as general contractor, joint venture contractor, construction manager at risk, prime contractor, etc.

On-Site Activities Construction activities at a Project Site.

Project Sites “Project Sites” shall mean those areas designated in writing by CCD in a Contract document for performance of the Work including additional areas, if applicable. Subject to the ROCIP Insurers’ and CCD’s written approval, the term “Project Site” may also include: (1) field office sites, (2) property used for bonded storage of material for the Project, (3) staging areas dedicated to the Project, and (4) areas where activities incidental to the Project are being performed by Contractor or covered by the Worker’s Compensation policy included in the ROCIP, but excluding any permanent locations of Contractor.

Temporary Worker A person who is furnished to you to substitute for a permanent employee on leave or to meet seasonal or short-term workload conditions.

Work Operations as fully described in the Contract, performed at or emanating directly from a Project Site and the entire completed construction or the various separately identifiable parts required under the Contract.

4. ROCIP PROGRAM AND INSURANCE COVERAGES

This section provides a brief overview of the program including eligibility and provided coverages and limits.

4.1 Insurance Policy Term

The Insurance Policy Term will cover the period of construction through project completion. The term further provides an eight (8) year extended term for Completed Operations Liability.

4.2 Covered Parties

4.2.1 Named Insured Entities

CITY AND COUNTY OF DENVER, its’ related entities, and Enrolled Contractors and Subcontractors of any tier.

4.2.2 Additional Insured Entities

All entities designated by the CITY AND COUNTY OF DENVER and any other party that a Named Insured is required to include as an additional insured party under a written agreement.

4.3 Those Not Covered

4.3.1 Entities Not Enrolled

Contractors are not enrolled, and therefore not covered by the ROCIP insurance policies, if one of the below categories apply:

Has not submitted the required enrollment forms Has submitted the required enrollment forms, but has not received written confirmation from the ROCIP Administrator evidencing enrollment into the ROCIP Has received written denial from CCD or the ROCIP Administrator denying enrollment into the ROCIP

4.3.2 Ineligible Entities

Contractors that are considered ineligible to participate under the ROCIP, and therefore not covered by the ROCIP insurance policies, generally fall into one of the below categories:

Any person or organization that fabricates or manufactures products, materials or supplies away

REGARDLESS OF AN CONTRACTOR’S INCLUSION OR EXCLUSION UNDER THE INSURANCE

PROGRAM PROVIDED BY THE CCD ROCIP, IF WORKING ON A ROCIP PROJECT FOR CCD,

ALL CONTRACTORS AND THEIR EMPLOYEES MUST COMPLY WITH THE REQUIREMENTS OF

THE CCD ROCIP SAFETY MANUAL (INCLUDING DRUG SCREENING)

IF YOU ARE UNCERTAIN IF YOU ARE ELIGIBLE OR

INELIGIBLE TO PARTICIPATE UNDER THE ROCIP

INSURANCE PROGRAM, CONTACT THE ROCIP

ADMINISTRATOR LISTED IN SECTION 2.

IT IS YOUR RESPONSIBILITY TO CONFIRM

ELIGIBILITY BEFORE YOU START WORK.

from a Project Site with no direct onsite installation responsibility

Exception: The ROCIP Insurer may agree to extend General Liability coverage only if the Lead Contractor has a written contract with the off-site fabricator or manufacturer to provide the prefabricated product. To consider extending coverage, the Insurer requires 30 days advance written notice to the ROCIP Administrator with details of the work/product and a copy of the contract between the Lead Contractor and the off-site fabricator or manufacturer. Approval must be obtained from the Insurer before enrolling in the ROCIP for General Liability coverage only.

Scaffolding contractors Hazardous materials remediation, removal, or transportation companies and their consultants Architects, engineers, surveyors and their consultants Truckers, haulers, material dealers, vendors, suppliers, and others who merely transport, pick up, deliver or carry materials, personnel, parts or equipment or any other items or persons to or from a Project Site

Contractors, subcontractors and subconsultants who do not work at a Project Site Employees of an Enrolled Party who either (i) do not work on-site or (ii) occasionally visit a

Project Site to make deliveries, pick-up supplies or personnel, to perform supervisory or progress inspections, or for any other reason

Day labor employees (individuals working directly for the Contractor and not procured through a third party such as a Temporary Staffing Agency or Professional Employer/ Organization).

Exception: The ROCIP Insurer will typically approve the inclusion of employees procured through or employed by temporary staffing agencies or professional employer organizations, if the temporary staffing agency or professional employer organization is enrolled in the ROCIP as a supplemental workforce subcontractor.

4.3.3 Excluded Entities

Any person or entity specifically excluded by CCD, in its sole discretion, from participation in the

ROCIP.

4.3.4 Exempt Entities

Eligible Contractors may request to be exempted from ROCIP participation. Such requests require submission of the below Required Information for consideration. Other than Limited Duration Contractors and Workforce Organizations, detailed below, these requests are granted very infrequently. Any granted exemptions will be issued in writing by CCD Risk Management.

Limited Duration Contractors: Eligible Contractors that will be onsite on CCD premises for no more than three (3) days not to exceed eight (8) hours per day (consecutive or separated) to commence and complete their Work for a given project.

Workforce Organizations: Eligible Contractors providing temporary or supplement workers, such as Temp Agencies and Professional Employment Organizations, to enrolled Contractors.

Required Information: Requests for exemption should be submitted to CCD Risk Management via email (See Section 2) and include the following information:

Name of Contractor Company to be considered for exemption Name of Contractor Company they are contracting with Name of Lead Contractor Project Name and Number Description of type of work to be performed Number of workers Details on duration/dates of work to be performed Contract Value Confirmation that a WRAP/ROCIP program exclusion endorsement will not impact required coverage under the requesting Contractor Company’s coverages.

4.4 Covered Locations

ROCIP coverage applies only to Work performed at a Project Site and the products and materials temporarily or permanently incorporated into the Project.

4.4.1 Off-Site Operations Coverage Exceptions

If a Contractor wishes to request coverage be extended to off-site operations or off-site locations, they must submit the request in writing to the ROCIP Administrator and it must be approved by the ROCIP Insurers. The request should include the address, description of the off-site Project Site, the type of operations to be conducted, duration of the work to be performed, and confirmation the site is solely dedicated to the Project.

4.5 Evidence of Coverage

Each Enrolled Contractor will be issued a Certificate of Insurance evidencing Workers’ Compensation, General Liability, Excess Liability, Builder’s Risk, and Contractor’s Pollution Liability insurance. Other documentation including forms, posting notices, etc., will be available at the Project Sites. Copies of full insurance policies will be provided upon written request to the ROCIP Administrator.

4.6 ROCIP Insurance Coverage Descriptions

The following sections will provide a summary of the coverages and limits afforded under the CCD ROCIP. The limits referenced are the minimum limits purchased by CCD.

4.6.1 Workers’ Compensation and Employer’s Liability (On-Site Only)

CCD shall maintain the coverage as required by statute for the Project Site and shall maintain Employer’s Liability insurance with limits no less than $1,000,000 per occurrence for each bodily injury claim, $1,000,000 per occurrence for each bodily injury caused by disease claim, and $1,000,000 aggregate for all bodily injuries caused by disease claims.

THIS MANUAL ONLY PROVIDES SUMMARY

INFORMATION. COMPLETE TERMS,

CONDITIONS, AND EXCLUSIONS ARE

PROVIDED IN THE INSURANCE POLICIES.

POLICY LIMITS APPLY SEPARATELY FOR EACH INSURED.

4.6.2 Commercial General Liability (On-Site Only)

CCD shall maintain insurance coverage including bodily injury, property damage, personal injury, advertising injury, and products and completed operations in minimum limits as listed below:

Deductibles Amount Damages to Premises Rented to You (Any One Occurrence)

$250,000

Medical Expense Limit (Any One Occurrence)

$250,000

Personal and Advertising Injury (Any One Occurrence)

$250,000

Form Type $250,00

In the event that more than one Deductible could apply, the largest single Deductible only to apply

4.6.3 Excess Liability

CCD shall maintain coverage following form with underlying policies of Commercial General Liability and Employer’s Liability in minimum limits as listed below:

Coverage (Shared by all Insured’s) Limit Annual General Aggregate (Per Project and Reinstates Annually) $200,000,000 Products/Completed Operations Aggregate (Per Project)

$200,000,000

Total Products/Completed Operations Aggregate (Policy Cap)

$400,000,000

Each Occurrence Limit $200,000,000 CCD, in its sole discretion, may elect to provide higher limits, based on Project size. Excess Liability limits are shared by all Insured parties.

4.6.4 Contractor’s Pollution Liability

CCD shall maintain coverage for bodily injury, property damage, or environmental damage caused by a pollution event resulting from covered operations, including completed operations, Coverage (Shared by all Insured’s) Limit Annual General Aggregate (Per Project and Reinstates Annually) $4,000,000 Products/Completed Operations Aggregate (Per Project and Statute of Repose) $4,000,000 Total Products/Completed Operations Aggregate (Statute of Repose) $8,000,000 Personal / Advertising Injury Limit $2,000,000 Each Occurrence Limit $2,000,000 Fire Damage Legal Liability (any one fire) $ 300,000 Medical Payments (any one person) $ 10,000 at the Project Site with a limit no less than $25,000,000 each occurrence and aggregate.

Coverage includes microbial matter and legionella pneumophila in any structure on land and the atmosphere contained with the structure. Products/Completed Operations coverage will extend for eight (8) years after final completion of the Project.

4.6.5 Builder’s Risk

CCD shall maintain, Builder's Risk in the amount of the full construction value, subject to various sublimits (as defined in the Builders’ Risk Insurance Policy). Such insurance shall end when the first of the following occurs: 1) CCD’s interest in the Work ceases; 2) the policy expires or is cancelled; or 3) the Work is accepted by CCD.

Builder’s Risk Insurance shall be on an "all-risk" or equivalent policy form and shall include, without limitation, insurance against the perils of fire (with extended coverage) and physical loss of damage including , theft, vandalism, malicious mischief, terrorism, rigging and hoisting for materials and equipment that are part of the Project, collapse, earthquake, flood, windstorm, falsework, testing and startup (as provided by the policy), temporary buildings and debris removal including demolition occasioned by enforcement of any applicable ordinance laws, and shall cover reasonable compensation for services and expenses required as a result of such insured loss.

This Builder’s Risk Insurance shall cover portions of the Work stored off site, and also portions of the Work in transit, subject to sublimits.

Deductibles Amount Damage arising out of defects in material, workmanship, design, plan or specification (Any One Occurrence)

$500,000

Damage arising out of Windstorm (Any One Occurrence)

$250,000

Damage arising out of Flood (Any One Occurrence)

$250,000

Damage arising out of Water Damage other than Flood (Any One Occurrence)

$250,000

All other damage any one occurrence $100,000

In the event that more than one Deductible could apply, the largest single Deductible only to apply

4.7 Termination and Modification

CCD reserves the right to terminate or modify the CCD ROCIP or any portion thereof. If CCD exercises this right, Enrolled Contractors will be provided notice as required by the terms of their individual Contracts. At its option, CCD may procure alternate coverage or may require Lead Contractors to procure and maintain alternate insurance coverage at the costs that was identified in the bid.

4.8 Claim Charge-Back

A claims charge-back will be assessed for the amount of any loss payable under the CCD ROCIP Policy (General Liability, Builder’s Risk, Contractor’s Pollution). The Enrolled Party primarily responsible for causing any bodily injury or property damage liability loss shall be responsible for payment of the charge-back. The charge-back will be calculated on the following sliding scale:

For each Contract per Occurrence:

$10,000 for Enrolled Party with contracts up to $100,000 $25,000 for Enrolled Party with contracts between $100,001 and $250,000 $50,000 for Enrolled Party with contracts between $250,001 and $500,000 $100,000 for Enrolled Party with contracts over $500,000

5. NON-ROCIP AND OFF-SITE INSURANCE REQUIREMENTS FOR

CONTRACTORS

Contractors are required to maintain insurance that protects CCD from liabilities arising from their operations performed away from a Project Site, for types of coverage not provided by the ROCIP and for all operations performed in connection with the Contract by Ineligible, Excluded or Exempt Entities.

Contractors are responsible for verifying and monitoring the adequacy of insurance required to be maintained by their subcontractors (including eligible, enrolled, ineligible, exempt or excluded Contractors). CCD reserves the right to disapprove use of any Contractor that is unable to meet the insurance requirements.

Prior to mobilization and within thirty (30) days of any renewal, change or replacement of coverage, Contractors shall submit to the ROCIP Administrator a Certificate of Insurance evidencing the coverage, limits and deductibles as specified in this section.

The limits of liability shown for the insurance required of the Contractor are minimum limits only and are not intended to restrict or limit the liability imposed on the Contractor for Work performed.

Verification of insurance may be submitted in the form of a Certificate of Insurance on a standard ACORD Form 25-S. A sample of an acceptable Certificate of Insurance is provided in Section 10.

5.1 Certificate Holder

Certificate(s) shall be issued as follows:

IF ELIGIBLE: IF INELIGIBLE, EXEMPT, EXCLUDED:

CITY AND COUNTY OF DENVER

c/o Arthur J. Gallagher RMS, Inc.

12444 Powerscourt Drive St. Louis, MO 63131 Attn: Gallagher OCIP Group Emailed to: Heather_Lawson@ajg.com

Certificates of Insurance should be issued to the Lead Contractor per the requirements and instructions in the specific subcontract agreement

ENROLLED CONTRACTORS

MUST PROVIDE:

Coverages required but not included under the CCD ROCIP

Off-site coverages for certain types of insurance that are provided by the CCD ROCIP for on-site activities

INELIGIBLE, EXEMPT AND

EXCLUDED CONTRACTORS

MUST PROVIDE:

Coverages required for on-site and off-site activities mailto:Heather_Lawson@ajg.com

5.2 Coverages and Limits

Following are the required insurance coverages and limits required to be provided by Contractors. It will be noted for each coverage type when the requirement for Enrolled Contractors that have on-site coverage under the CCD ROCIP is solely for off-site coverages.

5.2.1 Commercial General Liability

Contractor shall maintain insurance coverage including bodily injury, property damage, personal injury, advertising injury, independent contractors, and products and completed operations in minimum limits of $1,000,000 each occurrence, $2,000,000 products and completed operations aggregate and $2,000,000 project aggregate. Coverage shall include Contractual Liability covering liability assumed under this Agreement (including defense costs assumed under contract) within the scope of coverages provided.

5.2.2 Business Automobile Liability

Contractor shall maintain a minimum limit of $1,000,000 combined single limit each occurrence for bodily injury and property damage for all owned, leased, hired and/or non-owned vehicles used in performing services under this Agreement.

If Contractor does not have blanket coverage on all owned and operated vehicles, then a schedule of insured vehicles (including year, make, model and VIN number) must be submitted by the insurer with the Certificate of Insurance.

If transporting waste, hazardous material, or regulated substances, Contractor must carry a minimum of $5,000,000 combined single limit, carry a pollution coverage endorsement and, if required by law, an MCS 90 endorsement, on its policy.

If Contractor is an individual or represents that Contractor does not own any motor vehicles and Contractor’s owners, officers, directors, and employees use their personal vehicles for business purposes, Personal Automobile Liability insurance coverage will be accepted provided it includes a business use endorsement.

5.2.3 Workers’ Compensation and Employer’s Liability Insurance

Contractor shall maintain the coverage as required by statute and shall maintain Employer’s Liability insurance with limits no less than $1,000,000 per occurrence for each bodily injury claim, $1,000,000 per occurrence for each bodily injury caused by disease claim, and $1,000,000 aggregate for all bodily injuries caused by disease claims.

If Contractor is a sole proprietor, Workers’ Compensation and Employer’s Liability is exempt under the Colorado Workers’ Compensation Act.

5.2.4 Professional Liability

All Contractors providing professional services, such as design, engineering, surveying and consulting must provide Professional Liability insurance with limits as stated in the contract with CCD and/or the prime contractor.

ENROLLED CONTRACTORS: OFF-SITE COVERAGE ONLY

ENROLLED CONTRACTORS: OFF-SITE COVERAGE ONLY

ROCIP DOES

NOT PROVIDE

AUTO

COVERAGE

ROCIP DOES NOT

PROVIDE

PROFESSIONAL

LIABILITY

COVERAGE

5.2.5 Property Coverage for Contractor’s Tools and Equipment

Contractors are solely responsible for any loss or damage to their personal property including, without limitation, property or materials created or provided under the Contract/Subcontract until installed at the Project Site, tools, equipment, and temporary structures.

If Contractor carries property insurance on its personal property, a waiver of subrogation as outlined in Section 5.4 will be required from its insurer.

5.2.6 Other Coverages That May Be Required

Depending on the scope of work being performed by a given Contractor additional insurance coverage requirements may apply. They include, but are not limited to, the following coverage types:

Contractor’s Pollution Liability Technology Errors and Omissions, Network Security, and Privacy Liability (Cyber) Umbrella/Excess Liability

If such other coverages are required it will be stated in the Contract document between CCD and Contractor; if a subcontractor is performing work that requires additional insurance coverages CCD shall work with the Lead Contractor to ensure the proper insurance requirements are detailed in all applicable written agreements between the parties.

5.3 Additional Insured

For all coverages required (excluding Workers’ Compensation and Professional Liability), Contractor’s insurer(s) shall include the City and County of Denver, its elected and appointed officials, successors, agents, employees and volunteers as Additional Insureds by policy endorsement. Other parties may be required to be included as Additional Insured. See your contract with CCD and/or prime contractor for final Additional Insured requirements.

5.4 Waiver of Subrogation

For all coverages required, Contractor’s insurer(s) shall waive subrogation rights against the City and County of Denver, its elected and appointed officials, successors, agents, employees and volunteers by policy endorsement.

5.5 Notice of Material Change, Cancellation or Nonrenewal

Each certificate and related policy shall contain a valid provision requiring notification to the Certificate Holder in the event any of the required policies be canceled or non-renewed or reduction in coverage before the expiration date thereof.

Said notice shall be sent thirty (30) days prior to such cancellation or non-renewal or reduction in coverage unless due to non-payment of premiums for which notice shall be sent ten (10) days prior.

If such written notice is unavailable from the insurer, and in any event, Contractor and/or it is insurance broker/agent shall provide written notice of cancellation, non-renewal and any reduction in coverage to the Certificate Holder within seven (7) business days of receiving such notice from its insurer(s) and include documentation of the formal notice received from its insurer(s) as verification. Contractor shall replace cancelled or nonrenewed policies with no lapse in coverage and provide an updated Certificate of Insurance to the ROCIP Administrator.

5.6 Additional Provisions

Refer to the specific Contract for full list of insurance requirements and additional provisions.

6. CONTRACTOR RESPONSIBILITIES

Each Contractor has a variety of responsibilities as a participant under a ROCIP. Some of the major obligations are listed below, which is not meant to be an all-inclusive or exhaustive list.

Lead Contractors also assume the responsibility for ensuring all obligations of their subcontractors of any tier are met and met in a timely manner.

6.1 Enrollment

Enrollment into the CCD ROCIP is required for all Eligible Contractors unless provided a written exemption. Enrollment is not automatic. Eligible Contractors MUST complete the online enrollment process and provide all required documentation prior to starting Work. Access to Project Sites will not be permitted until enrollment is complete.

A FAILURE TO COMPLETE THE ROCIP ENROLLMENT

PROCESS PRIOR TO THE START OF WORK MAY EXCLUDE THE

CONTRACTOR FAILING TO DO SO FROM ROCIP INSURANCE

COVERAGE. IF EXCLUDED, CCD WILL NOT BE RESPONSIBLE

FOR OR REIMBURSE ANY ADDITIONAL AMOUNTS FOR

INSURANCE COSTS.

Once enrollment is completed and approved by the ROCIP Administrator, the Contractor will receive a confirmation email with the following information:

Certificate of Insurance as evidence of participation in the CCD ROCIP Confirmation of coverage (Policy will follow once the ROCIP insurer has issued the policy) Claims Guide

6.2 Contract Documents

Lead Contractors are responsible for ensuring that CCD insurance requirements are included in all subcontract tier written agreements. This includes the specific requirements provided as an exhibit in the written agreement between CCD and the Lead Contractor and the CCD ROCIP Insurance Manual.

6.3 Notification of Awarded Subcontracts

Upon a Contract being awarded to any Subcontractor, the Contract awarding party must notify the ROCIP Administrator, CCD Risk Management and CCD Safety.

6.4 Notification of Insurance Cancellation or Nonrenewal

Per the requirement in the Contract/Subcontract and in this manual, Contractor must give CCD and the ROCIP Administrator prior notice of any cancellation or non-renewal of required insurance coverage and any subsequent reinstatement of coverage.

MOST CONTRACTORS ARE

ABLE TO COMPLETE

ENROLLMENT IN LESS THAN

48 HOURS

6.5 Payroll and Labor Hours Reporting, Records and Audits

6.5.1 Submitting Payroll and Labor Hours Reports

Each Contractor must submit monthly Payroll and Labor Hours Reports via the ROCIP Administrator’s online portal identifying labor hours and payroll for all work performed for the Project. The reports MUST certify all Work performed at or emanating directly from a Project Site and include onsite supervisory and clerical personnel. This information will be used to provide the Insurers with information required to determine premiums and for the Unit Statistical filing for EMR calculations.

Instructions on submitting reports via the online portal are included in Section 8.5.

6.5.2 Records and Audits

CCD and the ROCIP Administrator will at all times have the right to access, inspect and audit all Contractor’ records and data, electronic or otherwise, relating to costs for coverages provided by the CCD ROCIP, payrolls, labor hours, Workers’ Compensation classifications, and other factors determinative of the cost of the ROCIP. Contractors will promptly respond to any inquiries of CCD or the ROCIP Administrator arising out of any such inspection or audit.

Contractors for whom insurance is provided by the CCD ROCIP are required to maintain the above described records. These records are needed to:

provide the information needed to calculate the insurance premium to be paid by CCD for the Work performed at the Project Sites by the Contractors.

assist the Insurer in filing information to the Workers’ Compensation Rating Bureau for inclusion into the calculation of the applicable party’s Experience Modification Rate.

The CCD ROCIP Insurer has the right to reclassify Contractor reported payroll.

6.6 Safety Procedures

All Contractors shall comply with all provisions of the CCD ROCIP Safety Manual as part of participation in any ROCIP project. This program is in addition to Contractor’s existing safety program, not in lieu of that program. Minimum standards for such programs are outlined in the CCD ROCIP Safety Manual.

6.7 Workers’ Compensation Posting Notices

The Lead Contractor’s Safety Representative shall be responsible for ensuring all required Workers’ Compensation posters and notices are prominent displayed at each work site, which include the following:

FAILURE TO SUBMIT PAYROLL

REPORTS MAY RESULT IN

PAYMENT WITHHOLDING UNTIL

REQUIRED INFORMATION IS

RECEIVED.

SEPARATE REPORTS REQUIRED

FOR EACH INDIVIDUAL CONTRACTOR

PER PROJECT

Workers’ Compensation Worker Notice and Designated Medical Provider List Poster Workers’ Compensation Information and Designated Medical Provider List Form Workers’ Compensation Notice of Injury Poster

See Section 10 for posters and notices.

6.8 Claims Reporting and Management

Contractors shall follow the claims procedures as established by the ROCIP Administrator and agree to assist and cooperate in every manner possible in connection with the adjustment of claims and demands. Section 7 provides specific details on claims reporting and management.

Contractors will be provided loss information for their respective claims.

While CCD has ultimate authority in any claim settlement matter, Contractors are encouraged to participate in the claim’s management process. Specific to Worker’s Compensation claims, Contractors will have the full right to participate in the management and mitigation of their own workers’ compensation claims and any financial information regarding each individual contractor’s workers’ compensation claims will be provided.

6.9 Completion of Work and Closeout

When a Contractor has completed Work at a Project Site and will no longer have on-site workers specific to that Project, the Contractor must notify the ROCIP Administrator by completing the closeout items in the Contractor Online Portal. See Section 8.6 for instructions.

Final payment will not be released by CCD until all required information has been submitted via the online portal.

7. CLAIM REPORTING AND MANAGEMENT

Claims Management is handled by the ROCIP Administrator, Arthur J. Gallagher Risk Management Services, Inc. (Gallagher).

Please refer to the detailed Claims Guide that is provided to each Contractor upon successful enrollment in the CCD ROCIP and will also be accessible to you via the Contractor Online Portal under the Documents Section for each Contract/Project enrolled in.

CONTRACTOR

ONLINE PORTAL

8. USING THE CONTRACTOR ONLINE PORTAL

The ROCIP Administrator provides an online system to enable Contractor’s to electronically enroll, report payroll and labor hours, as well as access supporting documentation regarding their participation in the program. Instructions for the major Contractor uses of the online portal as provide in this section.

The online portal can be accessed at: https://ajg.vuewrapup.com/contractorportal

8.1 How to Register Your Company and Log-in

REGISTRATION INFORMATION SHOULD BE COMPLETED BY THE CONTRACTOR’S EMPLOYEE THAT

WILL BE HANDLING ADMINISTRATION OF THEIR PARTICIPATION IN THE PROGRAM.

1. Open a web browser and type in the below URL address of the Contractor Online Portal to access the first-time user login window.

(https://ajg.vuewrapup.com/contractorportal)

2. Click on the Register Me box on the lower left-hand side of the login window.

3. Fill in the form with your First Name, Last Name and Email ID (email address).

Create a User ID you can easily remember, such as your first initial and last name

(preferred), your company name or your email address. Your User ID must be unique.

Create your Password. Passwords MUST contain letters, numbers and symbols.

All fields are required.

FIRST TIME

USERS ONLY:

Click on Register Me box to begin.

https://ajg.vuewrapup.com/contractorportal

4. When you see the words “User ID and Password are created” on the bottom of the screen, you have successfully registered and are ready to enter the portal by clicking on the “Please click here…”.

5. You will also receive an email confirming your User ID and Password for your records.

6. Use your confirmed User ID and Password to login 24/7. If you receive an error message, contact the ROCIP Administrator.

REGISTRATION IS ONLY REQUIRED ONCE FOR EACH PARTICIPATING COMPANY.

YOU’LL BE ABLE TO ENROLL MULTIPLE PROJECTS UNDER THE SINGLE REGISTRATION.

8.2 How to Enroll in a Project

1. Open a web browser and type in the below URL address access the login window.

https://ajg.vuewrapup.com/contractorportal

Note: This login window will automatically load if you have just completed the one-time initial registration and have clicked on the “Please click here…” prompt.

CONTRACTOR

2. To complete enrollment in a Project, look to see if there are any Projects already loaded for you in the Active Contracts section.

If there are no Contracts/Projects listed or the one you need to enroll in DOES NOT appear:

Click on the New Enrollment link.

If the Contract/Project you need to enroll in DOES appear:

Click the box next to the Contract/Project you need to enroll in or to complete enrollment that you started previously

Click the Enrollment button and use the Project Code on the cover of the ROCIP Insurance Manual issued to you for a given project.

3. When you click on the New Enrollment link, a popup screen will open as shown below.

Provide the Project Code as listed on your ROCIP Insurance Manual cover or provided by the ROCIP Administrator.

If you do not have your Project Code, contact the ROCIP Administrator for assistance.

4. Complete each section of Enrollment information as best you can. All sections are required.

If you do not know the information for a required field enter an “X” or if a specified format is required, such as a date, enter your best estimate.

The Enrollment Screen includes the following sections, each of which can be expanded or collapsed for ease of review:

a. Provide Company Information

b. Provide Contract Information

c. Provide Contact Information

d. Provide Address Information

e. Provide Estimated Payroll for work performed on the Contract

f. Provide Insurance Information

g. Provide Additional Information

h. Approval and Signature

For a new enrollment, all fields shown should be completed.

If your company has previously enrolled in a contract via the portal, you will have an option to select prior entered information in some fields to help speed up the process.

If you…