21-Wissahickon Valley Public Library construction insurance requirementsv.1B (1).docx

INSURANCE REQUIREMENTS

The insurance requirements below are intended to ensure that the Contractor’s insurance responds first if injury, property damage, or other loss arises out of the Contractor’s work on this project. These requirements are designed so that the Contractor’s insurance defends and protects the Owner where the Contractor or its subcontractors are responsible.

The Contractor should review these requirements carefully with its insurance broker before bidding or entering into the contract.

For purposes of these insurance requirements, the "Owner" means Wissahickon Valley Public Library.

The insurance provisions in this document establish the minimum insurance requirements for the successful bidder (the "Contractor") and its subcontractors. In the event of any conflict between these requirements and insurance language elsewhere in the bid or contract documents, the provisions of this Section shall control.

All policies required under these requirements shall be placed with insurers rated A- or better, Class V or greater, by A.M. Best and authorized to do business in the Commonwealth of Pennsylvania.

The Contractor shall be responsible for all deductibles or self insured retentions applicable to its insurance.

The insurance requirements stated below do not limit the Contractor’s liability under the contract.

INSURANCE SUMMARY

Workers Compensation – Statutory Pennsylvania coverage Employers Liability – $500,000 each accident Commercial General Liability – $1,000,000 each occurrence Products Completed Operations – $2,000,000 aggregate Automobile Liability – $1,000,000 per accident Umbrella / Excess Liability – $1,000,000

DELEGATION TO SUBCONTRACTORS

The Contractor shall maintain all insurance required by this Section and shall require each subcontractor of any tier to maintain the same types of insurance with limits not less than those required of the Contractor.

The Contractor shall include these insurance requirements in all subcontracts, verify subcontractor compliance, and provide certificates of insurance and required endorsements for subcontractors to the Owner upon request.

The Contractor’s liability insurance shall apply to the acts or omissions of subcontractors working on behalf of the Contractor.

WORKERS’ COMPENSATION AND EMPLOYERS’ LIABILITY

Workers’ Compensation Insurance must comply with the laws of the Commonwealth of Pennsylvania and must apply to the Pennsylvania Workers’ Compensation Act.

Minimum Limits $500,000 each accident $500,000 each employee for disease $500,000 policy limit for disease

COMMERCIAL GENERAL LIABILITY

The Contractor’s Commercial General Liability insurance is intended to respond first if injury or property damage arises out of the Contractor’s operations or the operations of its subcontractors.

Minimum Limits $1,000,000 each occurrence $1,000,000 personal and advertising injury $2,000,000 general aggregate $2,000,000 products completed operations aggregate

Policy Requirements Coverage must be written on ISO CG 00 01 or equivalent.

Policy must include products and completed operations coverage.

Policy must include blanket contractual liability coverage.

Policy must not exclude explosion, collapse, or underground hazards.

Policy must not exclude subsidence related to the Work.

Defense costs must be provided outside the limits of liability.

Coverage territory must include work performed within the United States.

Products-completed operations coverage must remain in force during construction and for at least four (4) years after completion of the Work.

Electronic Data Liability Coverage Endorsement (CG 04 37)

The Contractor’s Commercial General Liability policy shall include ISO endorsement CG 04 37, or equivalent wording that provides the same coverage for electronic data.

This endorsement ensures that damage to electronic data systems caused by construction operations is treated as property damage under the liability policy.

The Contractor shall require its electrical subcontractor to maintain Commercial General Liability coverage including ISO endorsement CG 04 37, or equivalent wording that provides the same coverage for electronic data.

ADDITIONAL INSURED REQUIREMENTS

Additional insured status is required so that the Contractor’s liability policy defends and protects the Owner if a claim arises from the Contractor’s operations or completed work.

Coverage shall be provided using:

ISO CG 20 10 07 04 for ongoing operations or equivalent ISO CG 20 37 for completed operations or equivalent ISO CG 20 01 providing primary and noncontributory status or equivalent

Additional insured coverage shall apply to the extent permitted by law and only as required by written contract.

Additional Insured – Subcontractors (No Direct Contract with Owner) The Contractor shall require, in its written agreements with all subcontractors of any tier, that each subcontractor provide additional insured status in favor of the Owner and the General Contractor for the subcontractor’s ongoing operations using ISO Additional Insured – Owners, Lessees or Contractors – Automatic Status for Other Parties When Required in Written Construction Agreement With You endorsement CG 20 38 04 13, or equivalent, and shall provide such coverage on a primary and non-contributory basis.

The CG 20 38 (or equivalent) endorsement shall extend additional insured status to “upstream” parties, in this case the Owner, even where the subcontractor does not have a direct written contract with the Owner, so long as the subcontractor is required by written subcontract with its Contractor to add such parties as additional insureds.

Additional insured coverage provided by subcontractors shall apply to liability arising out of the acts or omissions of the subcontractor and those acting on its behalf in the performance of the Work, and shall be primary and non‑contributory to any insurance maintained by the Owner and the General Contractor, to the extent permitted by law and as required by written contract.

Owner’s additional insured coverage for completed operations shall remain in effect for the same period required for products-completed operations coverage, but not less than four (4) years after completion of the Work.

WAIVER OF SUBROGATION

The Contractor’s Commercial General Liability policy shall include a waiver of subrogation in favor of the Owner using ISO CG 24 04 or an equivalent endorsement.

Subcontractors shall provide the same waiver of subrogation in favor of the Owner.

BUSINESS AUTOMOBILE LIABILITY

Minimum Limits $1,000,000 combined single limit per accident

Policy Requirements Coverage shall apply to owned, hired, and non owned vehicles used in connection with the Work.

Coverage shall remain in force for the duration of the contract and while correcting work or performing additional work after completion.

UMBRELLA OR EXCESS LIABILITY

Minimum Limits $1,000,000 each occurrence $1,000,000 aggregate Policy Requirements The Umbrella or Excess policy must apply excess of the Commercial General Liability, Business Automobile Liability, and Employers’ Liability policies and must follow form or be at least as broad as the underlying policies.

To the extent coverage follows form over the Commercial General Liability policy, the Umbrella or Excess policy shall provide additional insured coverage and waiver of subrogation in favor of the Owner consistent with the underlying coverage.

REQUIRED ENDORSEMENTS CHECKLIST

The following endorsements or equivalent wording must be attached to the Contractor’s policies and provided with the certificate of insurance.

Commercial General Liability Additional Insured – Ongoing Operations (ISO CG 20 10 07 04 or equivalent) Additional Insured – Completed Operations (ISO CG 20 37 or equivalent) Primary and Noncontributory (ISO CG 20 01 or equivalent) Waiver of Subrogation (ISO CG 24 04 or equivalent) Per Project Aggregate (ISO CG 25 03 or equivalent) Electronic Data Liability (ISO CG 04 37 or equivalent) Specific to Subs ISO Additional Insured – Owners, Lessees or Contractors – Automatic Status for Other Parties When Required in Written Construction Agreement With You endorsement CG 20 38 04 13

Umbrella / Excess Liability Follow form over the required underlying policies and provide additional insured and waiver of subrogation consistent with the underlying coverage.