4-Attachment L - Minimum Insurance Requirements for Harris County.pdf
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- Solicitation number
- 26/0096
- Issued by
- Harris County, Texas
About this file
This is a Minimum Insurance Requirements attachment for Harris County, Texas, establishing mandatory coverage specifications for contractors engaged in a Disaster Recovery Planning project funded through CDBG-MIT, with a contract term beginning approximately August 1, 2026. The document outlines comprehensive insurance requirements that contractors must maintain at their own expense throughout the contract duration. Coverage specifications include Workers Compensation and Employers' Liability with per-accident limits of $1,000,000 and policy limits of $1,000,000; Commercial General Liability with per-occurrence limits of $1,000,000, personal and advertising injury coverage of $1,000,000, products/completed operations coverage of $1,000,000, and a general aggregate per project of $2,000,000; Automobile Liability for all owned, hired, and non-owned vehicles with combined single limits of $1,000,000 per accident; Umbrella/Excess Liability with per-occurrence and aggregate limits of $1,000,000; and Professional/Errors & Omissions Liability of $1,000,000 per occurrence and aggregate if applicable to the project scope.
All insurance providers must be licensed by the Texas Department of Insurance to conduct business in Texas, possess an A.M. Best rating of at least A-VII, and Harris County must be named as an additional insured on a primary and non-contributory basis for general liability, automobile liability, and umbrella coverage. Contractors are required to furnish unaltered insurance certificates as evidence of coverage and must provide equivalent insurance documentation for any subcontractors. All policies must waive rights of subrogation against Harris County, its officers, employees, and agents. Contractors must provide written notice to the County at least 30 days prior to any policy cancellation, material changes, or non-renewal, with replacement coverage documentation provided within 30 days thereafter. Failure to maintain required insurance coverage may result in contract termination. The County reserves the right to require additional insurance coverage if deemed necessary for the project.
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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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