Minimum Insurance Requirements for Vendors and Non–Construction Contracts

Obligations of Vendors

Vendors (whether corporation, sole proprietorship or partnership) shall procure and maintain during the term of the contract insurance of the types of coverages and minimum limits as identified here and shall provide the Indiana University (IU) with Certificate(s) of Insurance evidencing these coverages prior to the beginning of the contract.

• • It is the responsibility of the Vendors to become familiar with IU’s insurance requirements and to ensure that they can meet these requirements prior to signing of any contract(s). Please provide this exhibit to your insurance agent so the correct certificate can be issued without delay.
  • No Vendor shall provide contracted services, and shall not be paid for any contracted services, until proper certificate(s) of insurance have been submitted to and approved by the IU. All required insurance policies shall be written by a company(s) authorized to do business in Indiana. IU shall not be liable to any person for the failure of the Vendor to carry specified insurance.
  • If any part of any coverage includes a deductible, self insurance, a captive insurance company or a fronting arrangement, the amount so covered must be disclosed on the certificate or in a separate letter from the Vendor. IU reserves the right to approve of this coverage.

CERTIFICATE HOLDER:
The Trustees of Indiana University
c/o Office of Insurance, Loss Control & Claims
2805 E. 10th St.
Bloomington, In. 47408

Insurance Requirements

• • 1. General Liability
       • Each occurrence: $1 million
       •    Providers of alcoholic beverages: The minimum limit is $3 million per occurrence, at least $1 million primary coverage and any combination of primary and umbrella coverages.
       • Products: $1 million per occurrence
       • Damage to premises: $500,000
       • General aggregate: $2 million (except alcohol providers: $3 million)
    2. Aircraft Operations

       If coverage is required for aircraft operations (including drones) 1) the general liability policy will specifically state there is coverage for aircraft operations or 2) an aircraft policy with minimum limits of $2,000,000 per occurrence, subject to all other provisions herein, will be required.

    3. Automobile Liability
       • The box(es) that is/are checked must include a check in the box for Any Auto or All Owned, Hired and Non-Owned Autos
       • Combined Single Limit coverage: $1 million.
       • If separate Bodily Injury and Property Damage limits are purchased, each must be $1 million.
    4. Excess/Umbrella
       • Excess coverage per se is not required. However, any of the dollar amount requirements can be met by a combination of primary and excess coverage.
       • Excess/umbrella coverage must be per occurrence coverage.

IU reserves the right to require increased limits of coverage if, in the opinion of IU, any provision of the contract includes products or activity that is hazardous in nature or poses a higher than usual risk.

• • 1. Worker’s Compensation

       If the Consultant works on any of the Owner’s properties (excluding occasional visits to campus) they shall procure and maintain a Workers’ Compensation policy to cover its obligation under the applicable laws of any state or federal government to its employees employed on the jobsite or elsewhere on this project, including its liability as an employer under common law (commonly known as Employer’s Liability Coverage “B”) with limits of not less than that listed below. If required, before commencing work, IU must be able to verify the company’s worker’s compensation coverage at https://www.ewccv.com/cvs/. If the Consultant is required by the Owner to carry workers compensation insurance but is not required by law to carry workers compensation insurance then a Certificate of Exception must be obtained from the State. See Indiana DOR. Form WCE-1 can be obtained at https://forms.in.gov/download.aspx?id=7134 (look in browser for download).

       Worker’s Compensation:	Statutory
       Employer’s Liability:	$1,000,000 each accident or disease $1,000,000 policy limit $1,000,000 each employee

Insurance Policy Endorsements

All insurance policies must provide the following endorsements to the policy and must be noted on the certificate(s):

• • 1. Additional Insured Endorsement (CG2010 10 01 and CG2037) or equivalent form required on General Liability, Automobile Liability and Excess/Umbrella Liability policies naming the IU and/or Other Parties as defined in the contract. IU shall be identified as: “The Trustees of Indiana University, its officers, agents and employees.” If additional insured status is automatically granted by the insurance form “where required by written contract” then it is sufficient to note that on the certificate with a reference to the form number. This must include information about the Excess/Umbrella coverage, e.g., “Excess coverage is following form.”
    2. Waiver of Subrogation on General Liability, Automobile Liability, and Employer’s Liability/Worker’s Compensation Policies in favor of IU.
    3. All insurance policies shall be primary and non-contributing with respect to any insurance carried by IU, and shall contain a severability of interests clause in respect to liability, protecting each insured as though a separate policy had been issued to each.
    4. All policies shall contain a covenant requiring (30) days written notice by the insurer to the Indiana University Office of Insurance, Loss Control & Claims before cancellation, reduction or other modifications of coverage for any reason, whenever possible.

Certificate Details

Description of Operations

If there is a purchase order to which this coverage applies, the DOO must include the Indiana University purchase order number

Insurance Companies

All insurance carriers selected by contractor must be rated “A-” or above in the most recent edition of the “A.M. Best’s Key Rating Guide.“

Hold Harmless Agreement

Vendor shall indemnify and save harmless IU from any and all losses, costs, damages, liability and expenses, including reasonable attorney fees, arising out of or in conjunction with claims or suits for damage to any property and/or injury to persons, including Vendor’s employees, including death, alleged or claimed to have been caused by or through the performance of the contract or operations incidental to the contract by the Vendor, its agents or employees, whether through negligence or willful act; and Vendor shall, at the request of IU, undertake to investigate and defend any and all such claims or suits against IU.

Questions may be addressed to Kutina England or Tom Murphy via email at inlocc@iu.edu or via phone at (812-855-9758).