4-Attachment L - Minimum Insurance Requirements for Harris County.pdf
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- Solicitation number
- 25/0384
- Issued by
- Harris County, Texas
About this file
This document is an Attachment L containing minimum insurance requirements for Harris County, Texas contracts. The attachment establishes comprehensive insurance coverage obligations that contractors must maintain throughout the contract term at their sole expense. Contractors are required to provide Workers' Compensation as mandated by Texas law with Employers' Liability limits of $1,000,000 per accident, per disease per employee, and policy limit. Commercial General Liability coverage must include $1,000,000 per occurrence, $1,000,000 for personal and advertising injury, $1,000,000 for products/completed operations, and a $2,000,000 general aggregate per project, with Harris County named as an additional insured on a primary/non-contributory basis. Automobile Liability coverage must extend to all owned, hired, and non-owned vehicles at $1,000,000 combined single limit per accident, and Umbrella/Excess Liability of $1,000,000 per occurrence/aggregate is required with Harris County as an additional insured.
All insurance policies must be issued by companies licensed by the Texas Department of Insurance with a minimum A.M. Best rating of A-VII, unless coverage is unavailable or economically infeasible through standard carriers, in which case excess or surplus lines companies registered in Texas may be used. Contractors must furnish unaltered insurance certificates as evidence of coverage and provide written notice at least 30 days prior to any policy cancellation, material change, or non-renewal, with suitable replacement policies provided within 30 days thereafter. If contract work is sublet, subcontractors must provide equivalent insurance coverage, and all policies must waive subrogation rights against Harris County and its officers and employees. Failure to maintain required insurance coverage may result in contract termination, and the County reserves the right to require additional insurance coverage as deemed necessary. These requirements do not establish limits of contractor liability.
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Text version
Attachment L
MINIMUM INSURANCE REQUIREMENTS
During the term of the Contract, the Contractor at its sole expense shall provide primary commercial insurance of such type and with such terms and limits as may be reasonably associated with the Contract. As a minimum, the Contractor shall provide and maintain the following coverage and limits:
A. Workers Compensation, as required by the laws of Texas, and Employers’ Liability, as well as All
States, USL&H and other endorsements if applicable to the project, and in accordance with state law.
Employers’ Liability
• Each Accident: $1,000,000
• Disease–Each Employee: $1,000,000
• Policy Limit: $1,000,000 B. Commercial General Liability, including but not limited to the coverage indicated below. Coverage shall not contain any restrictive endorsements nor exclude or limit Products/Completed Operations, Contractual Liability, or Cross Liability. Where exposure exists, the County may require coverage for watercraft, blasting, collapse, explosions, blowout, cratering, underground damage, pollution, or other coverage.
Harris County shall be named Additional Insured on primary/non-contributory basis.
• Each Occurrence: $1,000,000
• Personal and Advertising Injury: $1,000,000
• Products/Completed Operations: $1,000,000
• General Aggregate (per project): $2,000,000 C. Automobile Liability, including coverage for all owned, hired, and non-owned vehicles used in connection with the Contract. Harris County shall be named Additional Insured on primary/non-contributory basis.
• Combined Single Limit-Each Accident: $1,000,000 D. Umbrella/Excess Liability (Harris County shall be named Additional Insured on primary/non-contributory basis)
• Each Occurrence/Aggregate: $1,000,000 E. Professional/Errors & Omissions Liability (if applicable)
• Each Occurrence/Aggregate: $1,000,000
The County reserves the right to require additional insurance if necessary. Coverage shall be issued by companies licensed (by TDI) to do business in Texas, unless said coverage is not available or economically feasible except through an excess or surplus lines company, in which case the company should be registered to do business in Texas. Companies shall have an A.M. Best rating of at least A-VII. Contractor shall furnish evidence of such insurance to the County in the form of unaltered insurance certificates. If any part of the contract is sublet, insurance shall be provided by or on behalf of any subcontractor, and shall be sufficient to cover their portion of the contract.
Contractor shall furnish evidence of such insurance to the County as well.
Policies of insurance required by the contract shall waive all rights of subrogation against the County, its officers, employees and agents. If any applicable insurance policies are cancelled, materially changed, or non-renewed, contractor shall give written notice to the County at least 30 days prior to such effective date and within 30 days thereafter, shall provide evidence of suitable replacement policies. Failure to keep in force the required insurance coverage may result in termination of the contract. Upon request, certified copies of original insurance policies shall be furnished to the County. The requirements stipulated in this attachment do not establish limits of contractor liability.
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