7-Harris County Minimum Insurance Requirements.pdf
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- Solicitation number
- 26/0028
- Issued by
- Harris County, Texas
About this file
This is a minimum insurance requirements document for Harris County, Texas, establishing mandatory insurance coverage thresholds for contractors engaged with the county. The document outlines comprehensive insurance obligations that contractors must maintain throughout their contract terms, including workers' compensation with employers' liability limits of $1,000,000 per accident and disease; commercial general liability with limits of $1,000,000 per occurrence and $2,000,000 general aggregate per project; automobile liability with a combined single limit of $1,000,000 per accident covering owned, hired, and non-owned vehicles; and umbrella/excess liability coverage of $1,000,000 per occurrence and aggregate. Professional errors and omissions liability of $1,000,000 per occurrence and aggregate applies where applicable to the work being performed.
All insurance carriers must be licensed by the Texas Department of Insurance to conduct business in Texas, unless coverage is unavailable or economically infeasible through standard carriers, in which case excess or surplus lines companies registered in Texas are acceptable. All carriers must maintain an A.M. Best rating of at least A-VII. Harris County must be named as an additional insured on a primary and non-contributory basis for general liability, automobile liability, and umbrella/excess liability policies. Contractors are required to provide unaltered insurance certificates as evidence of coverage and must furnish certificates for any subcontractors as well. All policies must waive rights of subrogation against the county, its officers, employees, and agents. Contractors must provide written notice to the county at least 30 days prior to any policy cancellation, material change, or non-renewal, and must provide evidence of replacement coverage within 30 days thereafter. Failure to maintain required insurance coverage may result in contract termination.
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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 .