Insurance_Standard_for_General_&_Demolition_Contractors._PDF.pdf

Insurance standard for General & Demolition Contractors

General & Demolition contractors are required to have #1-3

1.) Workers Compensation.

The contractor shall purchase and maintain worker’s compensation insurance for all worker’s compensation obligations imposed by state law and with employer’s liability limits of at least $250,000 each accident and $500,000 each employee/$500,000 policy limit for disease, or a valid certificate of exemption issued by the state of Florida, or an affidavit in accordance with the provisions of Florida Workers Compensation law.

Contractor shall also purchase any other coverages required by law for the benefit of employees.

2.) General Liability (Occurrence form)

$1,000,000 per occurrence and $2,000,000 annual aggregate The General Liability policy must have X, C, U coverage included. Most standard GL policies exclude X, C, U so be sure it’s included. X is for explosions, C is for collapse, and U is for underground.

Coverage A shall include bodily injury and property damage liability for premises, operations, products and completed operations, independent contractors, contractual liability covering this agreement, contract or lease, broad form property damage coverages, and property damage resulting from explosion, collapse or underground (x,c,u) exposures.

Coverage B shall include personal injury.

Coverage C, medical payments, is required.

The contractor is required to continue to purchase products and completed operations coverage, at least to satisfy this agreement, contract or lease, for a minimum of three years beyond the County’s acceptance of renovation or construction projects.

3.) Business Auto Liability Coverage $1,000,000 per occurrence and $2,000,000 annual aggregate.

Business auto liability coverage is to include bodily injury and property damage arising out of ownership, maintenance or use of any auto, including owned, non-owned and hired automobiles and employee non-ownership use.

The Liability policies shall be endorsed to include Escambia County as an additional insured and provide for 30-day notification of cancellation.

Demolition Contractors only for #4

4.) Pollution(Environmental)Liability- $1,000,000 per occurrence and $2,000,000 annual aggregate, but should be increased to reflect the scope and potential severity of the project. For single family homes or small businesses this should be sufficient.

If contract involves potential pollution risk to the environment from working in, on or beneath the surface of the land (or water) or involves a system such as HVAC or refrigeration that contains a potential pollutant, coverage for Contractor’s Pollution Liability is required. Policy should cover the Offeror’s completed operations and be required to remain in effect up to the statute of repose after project completion. Coverage shall apply to sudden and gradual pollution conditions resulting from the escape or release of smoke, vapors, fumes, acids, alkalis, toxic chemicals, liquids or gases, natural gas, waste materials or other irritants, contaminants, or pollutants, including asbestos. If the coverage is written on a claims-made basis, the Offeror warrants that any retroactive date on the policy applicable to this project precedes the effective date of this contract.