5-Attachment L - Minimum Insurance Requirements for Harris County.pdf
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- Solicitation number
- 26/0153
- Issued by
- Harris County, Texas
About this file
This document is Attachment L detailing minimum insurance requirements for contracts with Harris County, Texas. The attachment establishes comprehensive insurance coverage and liability limits that contractors must maintain throughout the contract term at their own expense. The required coverages include Workers Compensation with Employers' Liability limits of $1,000,000 each for accidents and disease, Commercial General Liability with per-occurrence limits of $1,000,000 and a general aggregate of $2,000,000 per project, Automobile Liability with combined single limits of $1,000,000 per accident for all owned, hired, and non-owned vehicles, Umbrella/Excess Liability of $1,000,000 per occurrence/aggregate, and Professional/Errors & Omissions Liability of $1,000,000 per occurrence/aggregate when applicable. Harris County must be named as an additional insured on a primary/non-contributory basis for general liability, automobile liability, and umbrella coverage.
All insurance policies must be issued by companies licensed by the Texas Department of Insurance with an A.M. Best rating of at least A-VII, unless excess or surplus lines coverage is necessary and unavailable through standard carriers. Contractors must provide unaltered insurance certificates as evidence of coverage and furnish certified copies of original policies upon request. If any portion of the contract is sublet, subcontractors must provide equivalent insurance coverage with evidence submitted to the County. All policies must waive rights of subrogation against Harris County and its representatives. Contractors must provide written notice at least 30 days prior to any policy cancellation, material changes, or non-renewal and submit evidence of replacement coverage within 30 days. Failure to maintain required insurance coverage may result in contract termination, and these insurance requirements do not establish limits of contractor liability.
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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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