Insurance_Requirements_.pdf
PDF 215 KB Posted
- Attached to
- Grant Funded Construction of Rummell Road Trail
- Solicitation number
- 2025-131
- Issued by
- Polk County, Florida
About this file
This document outlines the insurance requirements for contractors and vendors doing business with the City of St. Cloud, Florida. The requirements specify detailed liability insurance standards that must be met by any entity performing work for the city, including submission of a Certificate of Liability Insurance at least 30 days prior to project start date. The documentation mandates various insurance coverage types and minimum coverage limits, including General Liability ($1,000,000 each occurrence), Auto Liability ($1,000,000 Combined Single Limit), Worker's Compensation, and additional optional coverages like Environmental/Pollution Liability and Professional Liability.
The insurance requirements are comprehensive, stipulating that insurers must have an A.M. Best Financial Strength Rating of A- or better and Financial Strength Category of VII or better. Contractors must list the City of St. Cloud as an Additional Insured and include specific project details on their certificates. The city reserves the right to require increased coverage limits, and contractors must submit their insurance documentation to the Procurement Services Department via fax or email. The requirements apply to various scenarios, such as work performed on city property, vehicle usage, facility repairs, and project-specific operations, with coverage limits ranging from $500,000 to $2,000,000 depending on the type of liability.
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Text version
City of St. Cloud Insurance Requirements
FAX OR E-MAIL THIS IMMEDIATELY TO YOUR INSURANCE AGENT
Please have your insurance agent fax or e-mail an acceptable Certificate of Liability Insurance (in Word or PDF format) no later than 30 DAYS PRIOR TO THE PROJECT START DATE to:
City of St. Cloud Attention: Procurement Services Department 1300 9th Street, Building A, 2nd Floor St. Cloud, Florida 34769 E-mail: purchasing@stcloud.org Fax: (407) 957-7369
The certificate of liability insurance must reflect the following:
Insurers Must have an A.M. Best Financial Strength Rating of A- or better and Financial Strength Category of VII or better. Proof of the insurer’s rating and category size must accompany the certificate of liability insurance.
General Liability* Required for all contractors and vendors.
$1,000,000 Each Occurrence
$50,000 Fire Damage (Any one fire)
$0 Medical Expenses (Any one person)
$1,000,000 Personal and Advertisement Injury
$2,000,000 General Aggregate
$1,000,000 Products – Comp/Op Aggregate
Auto Liability* Required if vendor vehicle will be on City property.
$1,000,000 Combined Single Limit (required when vehicle is used to perform contracted work)
$500,000 Combined Single Limit (required for all other contractors/vendors for vehicle driven to/from worksite)
Garage and Garage Keepers Liability* Required if a city vehicle is being repaired at your facility.
$1,000,000 Each Occurrence
Excess Liability* Required when specified by contract.
$2,000,000
Worker’s Compensation* Required if two or more employees are employed. WC Statutory limits must be marked.
Other (as applicable)*
Liquor Liability (Hold harmless agreement and authorization by the City Council): $1,000,000 minimum
Builder’s Risk Insurance: Completed project amount
Environmental/Pollution Liability Insurance: $1,000,000 minimum
Professional Liability: $1,000,000 minimum
Other: Project specific
Description of Operations The City of St. Cloud must be listed as an Additional Insured. The project name and dates (both begin and end dates) must be included.
Certificate Holder Should be listed as follows:
City of St. Cloud Attention: Procurement Services Department 1300 9th Street, Building A, 2nd Floor St. Cloud, Florida 34769
*The City of St. Cloud reserves the right to require increased limits of coverage. Refer to the bid specifications for details.
Attachment 'F' s
File details come from the government source that posted it. Updated .