5-Harris County Minimum Insurance Requirements.pdf
PDF 217 KB Posted
- Solicitation number
- 26/0108
- Issued by
- Harris County, Texas
About this file
This is a minimum insurance requirements document issued by Harris County, Texas for contractors engaged in county contracts. The document establishes mandatory insurance coverage levels that contractors must maintain throughout the contract term at their own expense. The contract pertains to a Financial Reporting System for Harris County Auditor's Office, with an anticipated start date of October 1, 2026 and an initial one-year term.
Contractors are required to obtain and maintain Workers Compensation insurance as mandated by Texas law with Employers' Liability coverage at $1,000,000 per accident and per disease with a $1,000,000 policy limit; Commercial General Liability with $1,000,000 per occurrence and personal/advertising injury limits, $1,000,000 products/completed operations coverage, and $2,000,000 general aggregate per project; Automobile Liability with $1,000,000 combined single limit per accident for all owned, hired, and non-owned vehicles; Umbrella/Excess Liability with $1,000,000 per occurrence and aggregate; and Professional/Errors & Omissions Liability at $1,000,000 if applicable. Harris County must be named as an additional insured on a primary/non-contributory basis for all applicable coverages. All insurance must be issued by companies licensed by the Texas Department of Insurance with an A.M. Best rating of at least A-VII. Contractors must provide certificates of insurance and maintain 30-day advance notice requirements for any policy cancellations, material changes, or non-renewals. Failure to maintain required coverage may result in contract termination, and subcontractors must provide equivalent coverage as well.
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Text version
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.
Revised 8/2017
File details come from the government source that posted it. Updated .