7-2026-29 COI Template and Insurance Requirements.pdf

Town of Fairfield Sullivan Independence Hall 725 Old Post Road Fairfield, CT 06824

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Project Name: 2026-29 Lower Wharf Improvement Project - 1085 Harbor Road

The Town of Fairfield, Fairfield Board of Educations, its officers, officials, employees, and agents, Boards and Commissions are included as additional insured for all insurance policies except Workers Compensation, on a primary and non-contributory basis. The State of Connecticut is included as an additional insured on the Commercial General Liability and Umbrella/Excess Liability policies. All policies include a waiver of subrogation in favor of the certificate holder. Workers' Compensation coverage includes USL&H (United States Longshore and Harbor Workers' Compensation Act) endorsement as required by law for applicable operations. The Comprehensive Marine Liability insurance policy includes Protection and Indemnity and General Liability coverages. Thirty (30) days prior written notice of cancellation will be given to the Town (Ten (10) days for non-payment of premium).

Insurance Agent Name and Address

Vendor/Contractor Name/Address/Contact

Vendor/Contractor Insurance Companies Enter NAIC #

Month/Date/Year

Policy Number

Policy Number

Policy Number

Policy Number

Effective

Date

Date

Date

Date

Date

Date

Date

Date

Signature

Effective

Effective Effective

Effective Effective

Effective Effective

Contractors SAMPLE x x x x X X x x x

Insurance Agent Contact

1,000,000

2,000,000

1,000,000

5,000,000

500,000

500,000 500,000

100,000 5,000 1,000,000

2,000,000

CA 9948 Endorsement

Policy Number

Policy Number

Effective Effective Date Date

Comprehensive Marine Liability Insurance

Marine Pollution Liability Insurance

$1M (per occurrence)

$1M (per occurrence) includes Protection and Indemity and General Liability

A. General Requirements

The additional insured protection afforded to The Town of Fairfield, Fairfield Board of Educations, its officers, officials, employees, and agents, Boards and Commissions must be on a primary and non-contributory basis except for Workers Compensation. All policies must include a waiver of subrogation in favor of The Town of Fairfield, Fairfield Board of Educations, its officers, officials, employees, and agents, Boards and Commissions. In addition, the State of Connecticut must be protected as an additional insured on the Commercial General Liability and Umbrella or Excess Liability policies.

All of the carriers that provide the below required insurance must be rated “A-:VII” or better by A.M.

Best and must provide direct written notice of cancellation or non-renewal to The Town of Fairfield, Fairfield Board of Educations, its officers, officials, employees, and agents, Boards and Commissions at least 30 days before such cancellation or non-renewal is effective, except for cancellations due to non-payment of premium, in which case 10 days written notice is acceptable.

B. Insurance Requirements for the Selected Contractor

The selected Contractor will be required to obtain and provide proof of the types and amounts of insurance listed below: (i) as a condition precedent to the award of the contract for the Project; and (ii) continuing throughout the entire Term. The insurance policies listed below must also conform to the applicable terms of the Contract.

Commercial General Liability Insurance, written on ISO Form CG 00 01 or its equivalent and with no modification to the contractual liability coverage provided therein, shall be provided on an occurrence basis and limits shall not be less than:

o $1,000,000 per occurrence o $2,000,000 general aggregate o $2,000,000 products / completed operations aggregate

The Town of Fairfield, Fairfield Board of Educations, its officers, officials, employees, and agents, Boards and Commissions, and the State of Connecticut must be protected as additional insureds on ISO Form CG 2010 (11/85) or its equivalent on policies held by the selected Contractor and any of its subcontractors. Should the Contractor’s work include construction activities of any kind then the Contractor must maintain Products / Completed Operations coverage for no less than three years after the construction work is completed, and continue to include Additional Insured protection for The Town of Fairfield, Fairfield Board of Educations, its officers, officials, employees, and agents, Boards and Commissions for the prescribed timeframe. Securing the required limits via a combination of primary and umbrella/excess liability policies is allowed. The General Aggregate limit must apply on a per project basis on the primary General Liability policy should a combination of primary and Umbrella/Excess liability policies be utilized to secure the required total limits of coverage.

Automobile Liability Insurance with a combined single limit of not less than $1,000,000. Coverage must apply to the Contractor’s owned, hired, and non-owned vehicles and protect The Town of Fairfield, Fairfield Board of Educations, its officers, officials, employees, and agents, Boards and Commissions as additional insureds on a primary and non-contributory basis. Contractor shall obtain and maintain ISO Form CA9948 on the Automobile Liability policy (Pollution Liability Broadened Coverage for Business Automobile). The Automobile Liability policy must include a waiver of subrogation in favor of The Town of Fairfield, Fairfield Board of Educations, its officers, officials, employees, and agents, Boards and Commissions.

Workers’ Compensation, Employer’s Liability, and Disability Benefits shall not be less than statutory limits, including United States Longshore and Harbor Workers Act coverage as applicable to the operations of the Contractor. The Workers’ Compensation policy must include a waiver of subrogation in favor of The Town of Fairfield, Fairfield Board of Educations, its officers, officials, employees, and agents, Boards and Commissions.

Comprehensive Marine Liability must be maintained at a limit of not less than $1,000,000 per occurrence and include the following coverages:

Protection and Indemnity General Liability

The Town of Fairfield, Fairfield Board of Educations, its officers, officials, employees, and agents, Boards and Commissions must be protected as additional insureds on a primary and non-contributory basis. The Comprehensive Marine Liability policy must include a waiver of subrogation in favor of The Town of Fairfield, Fairfield Board of Educations, its officers, officials, employees, and agents, Boards and Commissions.

Marine Pollution Liability shall be provided and must be maintained at a limit of not less than $1,000,000 each occurrence and $1,000,000 in the aggregate. The Town of Fairfield, Fairfield Board of Educations, its officers, officials, employees, and agents, Boards and Commissions must be protected as additional insureds on a primary and non-contributory basis. The Pollution Liability policy must include a waiver of subrogation in favor of The Town of Fairfield, Fairfield Board of Educations, its officers, officials, employees, and agents, Boards and Commissions.

Umbrella or Excess Liability shall be provided and must be maintained at a limit of not less than $5,000,000 per occurrence. Umbrella or Excess Liability must be on an occurrence basis. The Town of Fairfield, Fairfield Board of Educations, its officers, officials, employees, and agents, Boards and Commissions, and the State of Connecticut must be protected as additional insureds on a primary and non-contributory basis. The Umbrella or Excess Liability policy must include a waiver of subrogation in favor of The Town of Fairfield, Fairfield Board of Educations, its officers, officials, employees, and agents, Boards and Commissions.

C. Insurance Requirements for all Subcontractors

Any subcontractor(s) utilized by the selected Contractor will be required to obtain the types and amounts of insurance listed below: (i) as a condition of commencing any Work; and (ii) continuing throughout the duration of such subcontractor’s Work. The insurance policies listed below must also conform to the applicable terms of the Contract.

Commercial General Liability Insurance, written on ISO Form CG 00 01 or its equivalent and with no modification to the contractual liability coverage provided therein, shall be provided on an occurrence basis and limits shall not be less than:

o $1,000,000 per occurrence o $2,000,000 general aggregate o $2,000,000 products / completed operations aggregate

The Town of Fairfield, Fairfield Board of Educations, its officers, officials, employees, and agents, Boards and Commissions, and the State of Connecticut must be protected as additional insureds on ISO Form CG 2010 (11/85) or its equivalent on policies held by all subcontractors. Should the subcontractor’s work include construction activities of any kind then the subcontractor must maintain Products / Completed Operations coverage for no less than three years after the construction work is completed and continue to include Additional Insured protection for The Town of Fairfield, Fairfield Board of Educations, its officers, officials, employees, and agents, Boards and Commissions for the prescribed timeframe. Securing the required limits via a combination of primary and umbrella/excess liability policies is allowed. The General Aggregate limit must apply on a per project basis on the primary General Liability policy should a combination of primary and Umbrella/Excess liability policies be utilized to secure the required total limits of coverage.

Workers’ Compensation, Employer’s Liability, and Disability Benefits shall not be less than statutory limits, including United States Longshore and Harbor Workers Act coverage as applicable to the operations of the subcontractor. The Workers’ Compensation policy must include a waiver of subrogation in favor of The Town of Fairfield, Fairfield Board of Educations, its officers, officials, employees, and agents, Boards and Commissions.

Subcontractors will also be required to obtain all other insurances listed in Section (2) unless otherwise approved in writing by The Town of Fairfield prior to commencement of any Subcontractor’s work.