4-Insurance Requirements for Suppliers Contractors Subcontractors.pdf

This is an Insurance Requirements document issued by Dover Township in York County, Pennsylvania, for the Virginia Avenue Sewer Replacement project and related contract opportunities. The document establishes mandatory insurance coverage requirements for all suppliers, contractors, and subcontractors participating in the project. Contractors must obtain Commercial General Liability insurance with a general aggregate limit of $1,000,000 and per-occurrence limits of $1,000,000, along with Automobile Liability coverage with a combined single limit of $1,000,000 and Worker's Compensation coverage with statutory limits including $100,000 per accident and $500,000 disease aggregate. Additional coverage requirements include Explosion, Collapse, and Underground (XCU) insurance at $1,000,000 and Fire Damage coverage at $50,000 per occurrence. All policies must include a 30-day notice of cancellation provision, and deductibles cannot exceed 5% of the stated aggregate or combined single limits. Certificates of insurance must be provided to Dover Township, identifying the municipality as the certificate holder.

The insurance requirements are non-negotiable conditions of contract participation and apply uniformly across all supplier, contractor, and subcontractor tiers. Deductible management is critical, as excessive deductibles could render coverage insufficient under the contract terms. The emphasis on notice of cancellation provisions ensures that Dover Township maintains continuous visibility into coverage status throughout project execution. These requirements align with standard municipal infrastructure project practices and reflect the Township's risk management strategy for the sewer replacement initiative, which involves extensive underground utility work and public works activities subject to Pennsylvania Prevailing Wage Act compliance.