25-08-QT_-_Appendix_A_-_Insurance_Requirement.pdf

Finance Department

Procurement Division

1225 Main Street

Sebastian, FL 32958

(772) 388-8231

City of Sebastian Insurance Requirements – 12/2024 Page 1 of 2

INSURANCE REQUIREMENTS

1.1 INSURANCE

1.1.1. The City of Sebastian is to be specifically included as an additional insured on all insurance certificates (except Worker's Compensation). Waiver of Subrogation is required for

Commercial General Liability and Automobile Liability. A renewal certificate shall be issued thirty (30) days before said expiration date. The certificate shall provide a thirty (30) day notification clause in the event of cancellation or modification to the policy.

1.1.2. Before starting and until acceptance of the work by the City, Awarded Contractor shall, as a minimum mandatory condition precedent to this work, procure and maintain insurance of the types and to the limits specified below, at their own expense and without cost to the

City, until final acceptance by the City of all products or services covered by the purchase order or contract.

1.1.3. The certificate holder shall read:

City Of Sebastian

1225 Main Street

Sebastian, FL 32958

1.1.4. Minimum coverage with limits and provisions are as follows:

1.1.4.1. Commercial General Liability: Contractor shall provide Commercial General

Liability insurance. This shall include premises/operations, personal & advertising injury, products, completed operations, contractual liability, specifically confirming and ensuring the indemnification and hold harmless clause of the contract. This insurance policy shall be considered primary to and not contributing to any insurance the City maintains. It shall name the City as an additional insured with a waiver of subrogation noted on the Certificate of

Liability. The policy of insurance shall be written on an “occurrence” form.

The contractor shall obtain insurance which shall at least meet the following minimum limits:

• Per Occurrence: $1,000,000

• General Aggregate: $2,000,000

1.1.4.2. Business Automobile: Contractor shall provide Business Coverage

Automobile Insurance, which shall protect the contractor from claims for damage for personal injury, bodily injury including accidental death, as well as claims for property damages which may arise from operations under this contract whether such operations are by himself or by anyone

Finance Department

Procurement Division

1225 Main Street

Sebastian, FL 32958

(772) 388-8231

City of Sebastian Insurance Requirements – 12/2024 Page 2 of 2 directly or indirectly employed by him. Coverage shall include owned, non-owned, hired and rented vehicles.

The contractor shall obtain insurance which shall at least meet the following

• Bodily Injury and Property Damage:

o Combined Single Limit (each Accident): $1,000,000.00

1.1.4.3. Workers' Compensation: Contractor shall provide and maintain workers’ compensation insurance for all employees in the full amount required by statute and full compliance with the applicable laws of the State of Florida

(Florida Statutes Chapter 440). Exemption certificates to this requirement are not acceptable.

The Contractor shall obtain insurance which shall at least meet the following

• State Worker’s Compensation: Statutory

• Employer’s Liability: $1,000,000.00 Each Accident

$1,000,000.00 Disease, Policy Limit

$1,000,000.00 Disease, Each Employee

1.1.4.4. Umbrella/ Excess Liability: Successful Bidder shall provide umbrella/excess coverage with limits of no less than $1,000,000.00 excess of Commercial

General Liability, Automobile Liability and Employers Liability. *This coverage is optional if the Contractor has $2,000,000 General Aggregate under the Commercial General Liability Policy. **

1.1.5. An endorsement to the Commercial General Liability or Automobile Liability policy, covering Contractor’s or subcontractor’s liability for bodily injury, property damage and environmental damage resulting from sudden accidental and gradual pollution and related clean-up cost incurred by the Contractor that arise from the Goods delivered or Services

(including transportation risk) performed by Contractor under this Contract is also acceptable.

1.1.6. The Contractor shall declare any self-insured retention or deductible amount over $5,000 for any policy. The City reserves the right to reject any self-insured retention or deductible over $5,000.

1.1.7. All insurance carriers shall be rated (A) or better by the most recently published A.M. Best

Rating Guide. Unless otherwise specified, it shall be the responsibility of the contractor to ensure that all subcontractors comply with the insurance requirements set forth in this

Agreement. The City may request a copy of the insurance policy according to the nature of the project. City reserves the right to accept or reject the insurance carrier.