6-ITB-26-00003 Insurance Requirements.pdf

Page 1 of 6 Revised 2023

Please scroll down fully to confirm what requirements are needed for your request.

All coverages marked with an are required.

Contractor shall obtain at Contractor's expense the insurance specified in this document to performing under this

Contract and shall maintain it in full force and at its own expense throughout the duration of this Contract, as required by any extended reporting period or continuous claims made coverage requirements, and all warranty periods that apply. Contractor shall obtain the following insurance from insurance companies or entities that are authorized to transact the business of insurance and issue coverage in the County and that are acceptable to Hillsborough County.

Coverage shall be primary and non-contributory with any other insurance and self-insurance, with the exception of

Professional Liability and Workers' Compensation. The contractor shall pay for all deductibles, self-insured retention, and self-insurance, if any.

NO INSURANCE REQUIRED: This will apply for purchase only agreements, where the purchase is made and

Hillsborough County handles everything else.

PROOF OF INSURANCE ONLY:

YES

This will apply to special situations where Hillsborough County's role is for funding only or partnered events.

In these circumstances, no additional insured endorsement is required.

COMMERCIAL GENERAL LIABILITY:

Required

Bodily Injury and Property Damage Each Occurrence $1,000,000

Damage to Rented Premises Each Occurrence $50,000

Medical Expenses Any One Person $5,000

Personal & Advertising Injury Each Occurrence $1,000,000

Products/Completed Operations Each Occurrence $1,000,000

General Aggregate $2,000,000

Prod/Completed Operations Aggregate $2,000,000

Commercial General Liability Insurance covering bodily injury and property damage in a form and with coverage that is satisfactory to the County. This insurance shall include personal and advertising injury liability, products and completed operations, contractual liability coverage for the indemnity provided under this contract, and have no limitation of coverage to designated premises, project, or operation. Coverage shall be written on an occurrence basis in an amount of not less than: ADDITIONAL INSURED ENDORSEMENT (Separate from the statement on the COI, the

Endorsement page(s) must be included) Required Not required

Medical Expenses Any One Person $5,000

Personal & Advertising Injury Each Occurrence $1,000,000

Products/Completed Operations Each Occurrence $1,000,000

General Aggregate $1,000,000

Prod/Completed Operations Aggregate $2,000,000

All liability insurance, except for Workers' Compensation, Professional Liability, and

Cyber Liability (if applicable), required under this Contract must include an additional insured endorsement specifying

Hillsborough County, its officers, employees, and agents as Additional

Insureds, including additional insured status with respect to liability arising out of ongoing operations and completed operations, but only with respect to

Contractor's activities to be performed under this Contract. Coverage shall be primary and non-contributory with any other insurance and self- insurance. *A blanket

Additional Insured endorsement will suffice

Bodily Injury and Property Damage Each Occurrence $500,000

Damage to Rented Premises Each Occurrence $50,000

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Page 2 of 6 Revised 2023

AUTOMOBILE LIABILITY INSURANCE:

Automobile Liability Insurance covering Contractor's business use including coverage for all owned, non-owned, or hired vehicles with a combined single limit of not less than

$300,000

$1,000,000

For bodily injury and property damage. Use of personal automobile liability insurance coverage may be acceptable if evidence that the policy includes a business use endorsement is provided.

WORKERS' COMPENSATION & EMPLOYERS' LIABILITY

All employers, including Contractor, that employ subject workers, as defined per Florida County Statute, shall comply and provide workers' compensation insurance coverage for those workers, unless they meet the requirement for an exemption with less than 4 employees (3 or less employees) or no employees. Contractor shall require and ensure that each of its subcontractors complies with these requirements. Contractor shall also obtain employers' liability insurance coverage with limits not less than

$100,000

$500,000

Each accident, $100,000 for disease, and 500,000 disease policy limit. Contractor shall require and ensure that each of its subcontractors complies with these requirements.

PROFESSIONAL LIABILITY:

Professional Liability insurance covering any damages caused by an error, omission or any negligent acts related to the services to be provided under this Contract by the Contractor and Contractor's subcontractors, agents, officers, or employees in an amount not less than $1,000,000 per claim.

MEDICAL MALPRACTICE LIABILITY:

$1,000,000 Medical Malpractice Liability, no Additional insured endorsement needed.

Medical malpractice insurance protects physicians, clinics, and healthcare facilities in the event that a patient files a claim alleging negligence resulting in injury or harm.

CYBER LIABILITY:

Contractor shall provide cyber liability insurance for the duration of the contract and for the period of time in which

Contractor (or its Business Associates or subcontractor(s)) maintains, possesses, stores, or has access to client data, whichever is longer, with a combined single limit of no less than $1,000,000 per claim or incident. This insurance shall include coverage for third party claims and for losses, thefts, unauthorized disclosures, access or use of Hillsborough

County or client data (which may include, but is not limited to, Personally Identifiable Information ("PII"), Payment

Card Data and Protected Health Information ("PHI")) in any format, including coverage for accidental loss, theft, unauthorized disclosure access or use of Hillsborough County data.

Page 3 of 6 Revised 2023

POLLUTION LIABILITY:

Pollution Liability Insurance covering Contractor's or appropriate subcontractor's liability for bodily injury, property damage and environmental damage resulting from sudden accidental and gradual pollution and related cleanup costs incurred by Contractor, all arising out of the Goods delivered or Services (including transportation risk) performed under this Contract is required. Combined single limit per occurrence shall not be less than $1,000,000.

BUILDERS RISK:

When a procurement involves a building under construction (or renovation/upgrade) - at 100% of completed building value

INSTALLATION FLOATER:

When equipment, materials and fixtures are to be installed - INSTALLATION FLOATER at cost of equipment only, no labor or fees

PARTICIPANT ACCIDENT MEDICAL (SPORTS TEAMS AND LEAGUES):

Directors, Officers, and Organization insurance covering the Contractor's Organization, Directors, Officers, and

Trustees actual or alleged errors, omissions, negligent, or wrongful acts, including improper governance, employment practices and financial oversight - including improper oversight and/or use of use of grant funds and donor contributions which includes County or federal funds - with a combined single limit of no less than $1,000,000 per claim.

CRIME PROTECTION COVERAGE: EMPLOYEE DISHONESTY or FIDELITY BOND

Third party Employee Dishonesty or Fidelity Bond coverages for loss of County-owned property by dishonest acts of an employee of the Contractor. Coverage limits shall not be less than $1,000,000.

EXCESS/UMBRELLA INSURANCE:

A combination of primary and excess/umbrella insurance may be used to meet the required limits of insurance.

Additional Coverages That May Apply:

DIRECTORS, OFFICERS, AND ORGANIZATION LIABILITY:

Required when facility or premises are used for practices or competitions. Combined single limit per occurrence shall not be less than $10,000.

Page 4 of 6 Revised 2023

PHYSICAL ABUSE AND MOLESTATION INSURANCE COVERAGE:

Abuse and Molestation Insurance in a form and with coverage that are satisfactory to the County covering damages arising out of actual, perceived, or threatened physical abuse, mental injury, sexual molestation, negligent: hiring, employment, supervision, training, investigation, reporting to proper authorities, and retention of any person for whom the Contractor is responsible including but not limited to Contractor and Contractor's employees and volunteers. Policy endorsement's definition of an insured shall include the Contractor, and the Contractor's employees and volunteers.

Coverage shall be written on an occurrence basis in an amount of not less than $1,000,000 per occurrence. Coverage can be provided by a separate policy or as an endorsement to the commercial general liability or professional liability policies. The limits shall be exclusive to this required coverage. Incidents related to or arising out of physical abuse, mental injury, or sexual molestation, whether committed by one or more individuals, and irrespective of the number of incidents or injuries or the time period or area over which the incidents or injuries occur, shall be treated as a separate occurrence for each victim. Coverage shall include the cost of defense and the cost of defense shall be provided outside the coverage limit.

LIQUOR LIABILITY:

$1,000,000 in coverage required.

(DRONE) / UNMANNED AIRCRAFT SYSTEMS / UNMANNED AERIAL VEHICLE LIABILITY:

Drone Liability Insurance covering bodily injury, property damage, and personal and advertising injury caused by owned and non-owned drones including the drone's payload and/or dispensable loads in a form and with coverage that are satisfactory to the County. This insurance shall include premises liability, products and completed operations, contractual liability coverage for the indemnity provided under this contract, and have no limitation of coverage to designated premises, project, operation or territory of operation. Coverage shall be written on an occurrence basis in a combined single limit amount of not less than $1,000,000 per occurrence.

AIRCRAFT LIABILITY

Aircraft Liability Insurance with a combined single limit for bodily injury and property damage liability including passengers (if carrying passengers other than crew members) of not less than

$2,000,000

$3,000,000

$4,000,000

AIR CARGO LIABILITY INSURANCE

Air cargo insurance covering loss of cargo in transit during the performance of this contract. Combined single limit per occurrence shall not be less than $ 1,000,000 per occurrence.

AIRCRAFT AERIAL APPLICATION LIABILITY

Page 5 of 6 Revised 2023

Aircraft Aerial Application Liability Insurance covering claims arising from spraying operations. Coverage shall not be less than $1,000,000. This insurance requirement can also be met with an endorsement to the Aircraft Liability coverage.

U.S. LONGSHORE AND HARBOR WORKERS COMPENSATION

$100,000

$500,000

U.S. L&H covers employees in traditional maritime occupations such as longshore workers, ship-repairers, shipbuilders or shipbreakers, and harbor construction workers. The injuries must occur on the navigable waters of the United States or in the adjoining areas, including piers, docks, terminals, wharves, and those areas used in loading and unloading vessels. Non-maritime employees may also be covered if they perform their work on navigable water and their injuries occur there.

Directors, Officers, and Organization Liability

Insurance covering the Contractor's Organization, Directors, Officers, and Trustees actual or alleged errors, omissions, negligent, or wrongful acts, including improper governance, employment practices and financial oversight - including improper oversight and/or use of use of grant funds and donor contributions which includes County or federal funds -with a combined single limit of no less than $1,000,000 per claim.

MOTOR CARRIER CARGO LIABILITY

Motor Truck Cargo Liability Insurance covering loss to cargo in transit during the performance of this contract. This coverage may be written in combination with the Commercial General Liability Insurance (with separate limits).

Combined single limit per occurrence shall not be less than $1,000,000.

GARAGE KEEPERS LEGAL LIABILITY

Garage Keepers' Legal Liability Coverage for autos left for service, repair, storage or safekeeping, with a combined single limit of not less than $25,000 per location.

MARINE PROTECTION LIABILITY

Marine Protection and Indemnity Coverage. Combined single limit per occurrence shall not be less than $1,000,000.

RAILROAD PROTECTIVE LIABILITY

Railroad protective liability coverage protects railroads from potential financial risk and hazards.

Page 6 of 6 Revised 2023

When a procurement involves the use/operation of aircraft.

MIN. LIMIT: $1,000,000 each occurrence

WATERCRAFT LIABILITY

WAIVER OF SUBROGATION:

Contractor shall waive rights of subrogation which Contractor or any insurer of Contractor may acquire against the

Hillsborough County or Hillsborough County by virtue of the payment of any loss. Contractor will obtain any endorsement that may be necessary to affect this waiver of subrogation, but this provision applies regardless of whether or not the Hillsborough County has received a waiver of subrogation endorsement from the Contractor or the

Contractor's insurer(s).

CERTIFICATE(S) AND PROOF OF INSURANCE:

Contractor shall provide to Hillsborough County Certificate(s) of Insurance for all required insurance before performing any Services required under this Contract. The Certificate(s) shall list Hillsborough County, its officers, employees, and agents as a Certificate holder and as an endorsed Additional Insured. The Certificate(s) shall also include all required endorsements or copies of the applicable policy language effecting coverage required by this

Contract. If excess/umbrella insurance is used to meet the minimum insurance requirement, the Certificate of Insurance must include a list of all policies that fall under the excess/umbrella insurance. As proof of insurance Hillsborough

County has the right to request copies of insurance policies and endorsements relating to the insurance requirements in this Contract.

NOTICE OF CHANGE OR CANCELLATION:

The Contractor or its insurer must provide at least 30 days' written notice to Hillsborough County before cancellation of, material change to, potential exhaustion of aggregate limits of, or non-renewal of the required insurance coverage(s).

INSURANCE REQUIREMENT REVIEW:

Contractor agrees to periodic review of insurance requirements by Hillsborough County under this Contract and to provide updated requirements as mutually agreed upon by Contractor and Hillsborough County.

COUNTY ACCEPTANCE:

All insurance providers are subject to Hillsborough County acceptance. If requested by Hillsborough County, Contractor shall provide complete copies of insurance policies, endorsements, self-insurance documents and related insurance documents to Hillsborough County's representatives responsible for verification of the insurance coverages required under this contract/agreement.

AVIATION LIABILITY

Brenda Cogdell

SoumareE Typewritten text Additional Notes (If Applicable):

CogdellB Typewritten text

BC