4-Request for Goods Senior Center Vehicles 2026-09-ITB-017 - Insurance Requirements.pdf

INSURANCE REQUIREMENTS

FOR ALL CONTRACTORS

Workers Compensation Insurance, including employer’s liability:

1. Covers all persons whom Contractor employs (or uses as contract labor if the Contractor is uninsured) in carrying out any Work.

3. Such insurance shall show Connecticut as a covered state, be in strict compliance with the requirements of the most current and applicable workers' compensation insurance laws in effect from time to time in the state(s) where the Services are performed, and shall include the following:

(a) Coverage A (Workers' Compensation) - Statutory

(b) Coverage B (Employer's Liability)

At a minimum, the following limits and coverages:

(i) $500,000 for each accident, for bodily injury by accident

(ii) $500,000 for each employee, for bodily injury by disease

(iii) $500,000 for each disease policy limit

(c) One or more endorsements that provide Voluntary Compensation coverage

Commercial General Liability Insurance (1993 Form or equivalent)

1. Minimum $1,000,000 per occurrence and$5,000,000 general aggregate for bodily injury and property damage that may arise out of or result from Contractor's operations and completed operations under the Agreement, whether such operations be by Contractor or by anyone directly or indirectly employed by the Contractor, or by anyone for whose acts the Contractor may be liable.

2. Minimum $5,000,000 aggregate and $5,000,000 aggregate for completed operations /Products.

3. Include personal injury, bodily injury, property damage, product/completed operations, contractual liability

4. Delete all explosion, collapse and underground exclusions, if applicable

5. Minimum $300,000 rented premises if applicable.

6. Minimum $10,000 Medical Expenses

Motor Vehicle Liability Insurance:

1. $1,000,000 per occurrence for bodily injury and property damage

2. Includes owned, hired, leased and/or non-owned.

Professional Liability Insurance (if applicable)

1. $1,000,000 per claim and/or aggregate

Umbrella/Excess Liability

1. $5,000,000 aggregate

2. Umbrella/Excess Liability coverage shall be at least as broad as the underlying coverages and follow form of said coverages.

Note! All General Contractors are responsible for assuring that all of its sub-contractors have similar coverage and limits. The Town will rely upon the General Contractor to obtain these assurances as it cannot do so.

General Requirements:

1. Insurer must have an A. M. Best rating of at least A-/VII and be licensed to do business in

Connecticut

2. All policies must have a 15 day advance written notice requirement with any such notice to be sent to Felicia LaPlante, Ellington Acting Finance Officer, P.O. Box 187, Ellington, CT 06029

3. Certificates of Insurance must be presented at or before signing of any contract

4. The Town of Ellington and such other town agency as may be appropriate shall be named as an additional insured on each policy

5. All coverages required hereunder are minimums and the Town of Ellington shall have the benefit of any coverages carried in excess of stated minimums and required coverages.

6. All coverages required hereunder shall be primary and non-contributory, including with respect to any deductible.

7. All policies of insurance must contain waivers of subrogation in favor of the Town of

Ellington. All waivers of subrogation shall be provided by endorsement or otherwise and waive to the fullest extent permitted by law, all rights of subrogation against the Town of Ellington, its architect, any of their subcontractors, sub-subcontractors, agents, officers, and employees, together with their consultants, separate contractors, and any of their subcontractors, and sub-subcontractors for damages caused by fire or other causes of loss to the extent covered by insurance provided by Contractor, except such rights as it may have to proceeds of such insurance held by the Town of Ellington as a fiduciary.

8. A waiver of subrogation shall be effective as to a person or entity even though that person or entity would otherwise have a duty of indemnification, contractual or otherwise, did not pay the insurance premium directly or indirectly, and whether or not the person or entity had an insurable interest in the property damaged. None of the above waivers extends to the rights that any party making such waiver may have to the proceeds of insurance held by Owner or Contractor as trustee or fiduciary, or otherwise payable under any policy so issued.

9. Aggregate limits of liability shall be on a per project basis.

10. Insurance requirements are independent of, and in addition to, Contractor's liability under the Agreement. Nothing herein or in the contract shall be deemed to limit Contractor's liability to the limits of the insurance coverages required hereunder.

11. Contractor shall be solely responsible for payment of all deductible or retention amounts pertaining to any insurance required hereby.

If any policy is written on a "Claims Made" basis, the policy must be continually renewed for a minimum of two (2) years from the completion date of the contract. If the policy is replaced and/or the retroactive date is changed, then the expiring policy must be endorsed to extend the reporting period for claims for the policy in effect during the contract for two (2) years from the completion date. 13. Procurement and maintenance of the required insurance and bonding is a condition precedent to Contractor’s right but not its obligation to perform its work and any delays caused by the failure of Contractor to procure and/or maintain the required insurance and bonding shall be deemed non-excusable.