ADDENDUM 52.228-5: Insurance Requirements for Work on Government Installation

This document is an addendum to FAR clause 52.228-5 specifying mandatory insurance requirements for contractors performing work on a government installation. The addendum establishes minimum insurance coverage amounts across six categories. Workers' Compensation and Occupational Disease Insurance must meet the requirements of the state in which contract performance occurs. Employer's Liability Insurance is required at $100,000.00. Comprehensive General Liability Insurance for Bodily Injury must provide $500,000.00 per occurrence coverage. Comprehensive Automobile Liability coverage requires $200,000.00 per person, $500,000.00 per occurrence for bodily injury, and $20,000.00 per occurrence for property damage. Medical Liability Insurance must provide $1,000,000.00 per occurrence and $3,000,000.00 in the aggregate.

The General Liability Insurance requirement specifies that coverage must be written on a comprehensive form policy with $500,000.00 per occurrence for bodily injury and $50,000.00 per occurrence for property damage. Deductibles are capped at $10,000.00 per person or $25,000.00 per occurrence for bodily injury claims, and $10,000.00 for property damage claims. These insurance requirements apply to all contractors performing services on government installations under this contract.