8-Harris Health Minimum Insurance Requirements 11.2024.pdf
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- Solicitation number
- 25/0269
- Issued by
- Harris County, Texas
About this file
This is a Minimum Insurance Requirements document for Harris Health, a Texas healthcare system, establishing mandatory insurance coverage standards for contractors performing work under various contract values. The document outlines five primary insurance categories that contractors must maintain at their own expense: Workers Compensation and Employers' Liability as required by Texas law, Commercial General Liability with no restrictive endorsements, Automobile Liability covering all owned/hired/non-owned vehicles, Umbrella/Excess Liability, and Professional/Errors & Omissions Liability when applicable. Insurance coverage must be provided by companies licensed in Texas with an A.M. Best rating of at least A-VII, and contractors must furnish unaltered insurance certificates with policies waiving subrogation rights against Harris Health.
The insurance coverage limits are tiered based on project values, ranging from projects under $25 million to those exceeding $100 million, with higher coverage requirements for larger projects. For example, Umbrella Liability limits increase from $1 million for smaller projects to $5 million for projects over $50 million. Products and completed operations insurance must be maintained for a minimum of five years after final payment, and Harris Health must be included as additional insured on General Liability, Automobile, and Umbrella policies. Contractors must provide 30 days written notice of any policy cancellations or material changes and supply replacement coverage within 30 days, with failure to maintain required coverage potentially resulting in contract termination at Harris Health's discretion.
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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 set forth below:
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.
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, Harris Health may require coverage for watercraft, blasting, collapse, explosions, blowout, cratering, underground damage, pollution, or other coverage.
C. Automobile Liability, including coverage for all owned, hired, and non-owned vehicles used in connection with the
Contract.
D. Umbrella/Excess Liability
E. Professional/Errors & Omissions Liability (if applicable)
Harris Health reserves the right to require additional insurance if necessary. Coverage shall be issued by companies licensed to do business in Texas by the Texas Department of Insurance. Companies shall have an A.M. Best rating of at least A-VII. 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 all insurance to Harris Health in the form of unaltered insurance certificates. Policies of insurance shall waive all rights of subrogation against Harris Health, its officers, employees and agents. If any applicable insurance policies are cancelled, materially changed, or non-renewed, contractor shall give written notice to Harris Health at least 30 days prior to such effective date. Contractor shall provide evidence of suitable replacement policies within thirty (30) days after such effective date. Failure to keep in force the required insurance coverage may result in termination of the contract in Harris Health’s sole discretion. Upon request, certified copies of original insurance policies shall be furnished to Harris Health.
The requirements stipulated in this attachment do not establish limits of contractor liability.
Revised 11/2024
Coverage Projects < $25M Projects >$25M
< $50M Projects >$50M
< $100M Projects > $100M*
Professional Liability General Aggregate 2,000,000$ 2,000,000$ 2,000,000$ 2,000,000$ Products/Completed Operations Aggregate 2,000,000$ 2,000,000$ 2,000,000$ 2,000,000$
Commercial General Liability (1) (2)
General Aggregate 2,000,000$ 2,000,000$ 2,000,000$ 2,000,000$ Products/Completed Operations Aggregate 2,000,000$ 2,000,000$ 2,000,000$ 2,000,000$ Each Occurrence Limit 1,000,000$ 1,000,000$ 2,000,000$ 2,000,000$ Personal/Advertising Injury 1,000,000$ 1,000,000$ 1,000,000$ 1,000,000$
Automobile Liability (2) (3)
Bodily Injury/Property Damage (Each Accident) 1,000,000$ 1,000,000$ 1,000,000$ 1,000,000$
Workers' Compensation (4)
Coverage A (Workers' Compensation) Statutory Statutory Statutory Statutory Coverage B (Employers Liability)
Per Accident 1,000,000$ 1,000,000$ 1,000,000$ 1,000,000$ Per Disease Policy Limit 1,000,000$ 1,000,000$ 1,000,000$ 1,000,000$ Per Disease per Employee 1,000,000$ 1,000,000$ 1,000,000$ 1,000,000$
Umbrella Liability (2)
Each Occurrence Limit 1,000,000$ 2,000,000$ 5,000,000$ 5,000,000$ General Aggregate Limit 1,000,000$ 2,000,000$ 5,000,000$ 5,000,000$ Products/Completed Operations Aggregate (3) 1,000,000$ 2,000,000$ 5,000,000$ 5,000,000$
*to be determined
(1) Products and completed operations insurance will be maintained for a minimum period of five (5) years after final payment on the last element of the Work to be completed.
(2) Harris Health will be included as additional insured on General Liability, Automobile and Umbrella Liability policies. Professional Consultant's insurance shall be primary.
(3) Coverage shall be for all owned, non-owned or hired motor vehicles.
(4) WC to include broad form coverage for all states endorsement.
Minimum Limits Required
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