INSURANCE_REQUIREMENTS.pdf

INSURANCE AND BOND REQUIREMENTS

The Proposer will not commence work under the resulting Agreement until all insurance coverage indicated by an “X” herein have been obtained. The Proposer shall obtain and submit to the Purchasing Division within ten (10) calendar days from the date of notice of intent to award, at its expense, the following minimum amounts of insurance (inclusive of any amounts provided by an umbrella or excess policy): Work under this Agreement cannot commence until all insurance coverages indicated herein have been obtained on a standard ACORD form (inclusive of any amounts provided by an umbrella or excess policy):

Automobile Liability Insurance Required Limits Coverage must be afforded under a per occurrence policy form including coverage for all owned, hired and non-owned vehicles for bodily injury and property damage of not less than:

● $1,000,000 Combined Single Limit; OR

● $ 500,000 Bodily Injury and $500,000 Property Damage

● $10,000 Personal Injury Protection (No Fault)

● $500,000 Hired, Non-Owned Liability

● $10,000 Medical Payments

This policy shall contain severability of interests’ provisions.

Commercial General Liability Insurance Required Limits (per Occurrence form only; claims-made form is not acceptable) Coverage shall be afforded under a per occurrence policy form, policy shall be endorsed and name ‘Flagler County, a political subdivision of the State of Florida’ as an Additional Insured, and include limits not less than:

● $1,000,000 Single Limit Per Occurrence

● $2,000,000 Aggregate

● $1,000,000 Products/Completed Operations Aggregate

● $1,000,000 Personal and Advertising Injury Liability

● $50,000 Fire Damage Liability

● $10,000 Medical Expense, and

● $1,000,000, Third Party Property Damage

● $N/A Project Specific Aggregate (Required on projects valued at over $10,000,000)

This policy shall contain severability of interests’ provisions.

Employer’s Liability Insurance Coverage limits of not less than:

● $100,000 Each Accident

● $500,000 Disease Each Employee

● $500,000 Disease Policy Limit

Worker’s Compensation Insurance ☐ US Longshoremen & Harbor Workers Act ☐ Jones Act Coverage Coverage limits of not less than:

● Statutory workers’ compensation coverage shall apply for all employees in compliance with the laws and statutes of the State of Florida and the federal government.

● If any operations are to be undertaken on or about navigable waters, coverage must be included for the US Longshoremen & Harbor Workers Act and Jones Act.

Should ‘leased employees’ be retained for any part of the project or service, the employee leasing agency shall provide evidence of Workers’ Compensation coverage and Employer’s Liability coverage for all personnel on the worksite and in compliance with the above Workers’ Compensation requirements. NOTE: Workers’ Compensation coverage is a firm requirement.

Elective exemptions are considered on a case-by-case basis and are approved in a very limited number of instances.

Physical Abuse, Sexual Misconduct, and Sexual Molestation

● Provider shall provide evidence of coverage in an amount not less than $500,000 per occurrence.

Professional Liability and/or Errors and Omissions (E&O) Liability Insurances

Coverage shall be afforded under either an occurrence policy form or a claims-made policy form.

If the coverage form is on a claims-made basis, then coverage must be maintained for a minimum of three years from termination of date of the contract. Limits must not be less than:

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

● $ 2,000,000 General Aggregate

Cyber Liability Insurance Coverage shall comply with Florida Statute 501.171, shall be afforded under a per occurrence policy form, policy shall be endorsed and name ‘Flagler County, a political subdivision of the State of Florida’ as an Additional Insured, and include limits not less than:

● $1,000,000 Security Breach Liability

● $1,000,000 Security Breach Expense Each Occurrence

● $2,000,000 Security Breach Expense Aggregate

● $1,000,000 Replacement or Restoration of Electronic Data

● $0 Extortion Threats

● $0 Business Income and Extra Expense

● $0 Public Relations Expense

NOTE: Policy must not carry a self-insured retention/deductible greater than $25,000.

INSURANCE AND BOND REQUIREMENTS