Addendum to Certificate of Insurance Requirements

All Liberty vendor's are required to meet specific insurance liability requirements in order to do business with the university. By clicking the vendor categories (click to see Vendor Categories) you will be able to see the minimum liability requirements.

All vendors must also meet the following Additional Insured, Automobile Liability (depends on scope of work as stated), Workers Compensation and Waiver of Subrogation requirements.

  1. Vendor Commercial General Liability insurance policies, as well as automobile liability policies when automobile liability is required, are to name Liberty University its Trustees, Officers, Employees and Agents as Additional Insured as it pertains to the work done/service provided and/or product delivered to Liberty University. Policy terms should provide for thirty (30) days advance written notice to the University of any material modification, change, or cancelation of any of the insurance coverage.
  2. Along with the Certificate of Insurance, the Vendor must supply
    1. A copy of the actual endorsement to its policy adding the University as additional insured or,
    2. A copy of the Blanket Additional Insured endorsement to the policy which is typical when the vendor/contracts has automatic additional insured coverage when there is a contract that requires it.
    3. Waiver of subrogation benefiting Liberty University is also required (see below).
  1. Automobile Liability insurance with an additional insured endorsement benefiting Liberty University is required for contractors/vendors where they transport Liberty University property, transport Liberty University employees or use of a vehicle is integral to the performance of the contract.  The minimum required limit is $1,000,000 combined single limit and the certificate must indicate that the vehicle is insured for business.  If the vehicle driven on Campus requires a CDL license, the requirement increases to $2,000,000, and if the vehicle is being used to carry more than 14 passengers, the requirement increases to $5,000,000 and an MSC-90B filing endorsement is required.

  2. See Transportation Services section for additional requirements when hired transportation is involved.

  3. Waiver of subrogation benefiting Liberty University is also required (see below).

  1. (minimum requirements for all vendors) - Statutory Limits [X]    
  2. Employer’s Liability (minimum requirements for all vendors) - Each Accident - 500,000; Each Employee - 500,000; Each Disease - 500,000
  3. Waiver of subrigation benefiting Liberty University is also required (see below).

Vendor Categories Coverage Requirement Lookup

Catering/Food Service/Restaurants Professional Services
Cleaning and Laundry Services Transportation Services
Communications/Info Technology Use of Facilities
Construction/Building Services  
Miscellaneous Services  
Pest Control  


Catering/Food Service/Restaurant
  General Liability Umbrella Professional
Catering for Events $1,000,000 N/A N/A
Food Service for University $1,000,000 $1,000,000  
Restaurants None if less < $1,000 N/A N/A



Cleaning and Laundry Services
  General Liability Umbrella Professional
Building Cleaning Services $1,000,000 N/A N/A
Carpet Cleaning $1,000,000 N/A N/A
Laundry Services $1,000,000 N/A N/A



Communications / Info Technology
  General Liability Umbrella Prof./E&O Fidelity Bond/ Crime Data Breach
Hired Software Developer/Customize $1,000,000 N/A $1,000,000

$1,000,000 See Below

$1,000,000 See Below

Software (Licensing) $1,000,000 N/A N/A N/A  
Telecom Design and Admin. $1,000,000 N/A N/A N/A  
Programmer $1,000,000 N/A $1,000,000

$1,000,000 See Below

$1,000,000 See Below

Web Administrator/Design $1,000,000 N/A $1,000,000

$1,000,000 See Below

$1,000,000 See Below

Audio, Visual, Video Production - Install/Design/Sales/Services $1,000,000 N/A N/A N/A  

Please share these links to Liberty Risk Management Pages with IT vendors needing more information on General Liability, Fidelity Bond/Crime, Professional Liability, or Data Breach coverage requirements.

There are four levels of liability that we require evidence of insurance from our IT vendors depending on the product or work being performed:


Construction/Building Services
  General Liability Umbrella Professional
Construction Projects - Low Risk      
Fencing $500,000 N/A N/A
Furniture Repair/Installation $500,000 N/A N/A
Glass $500,000 N/A N/A
Insulation $500,000 N/A N/A
Landscaping - No Electrical or Excavation $500,000 N/A N/A
Minor Concrete Type Repair $500,000 N/A N/A
Non-structural Remolding $500,000 N/A N/A
Painting - Interior Signs - No Welding $500,000 N/A N/A
Construction Projects - Medium Risk      
Alarm Systems - fire/security $1,000,000 $1,000,000 N/A
Concrete in Major Traffic Areas $1,000,000 $1,000,000 N/A
Equipment Rental w/operators (no cranes) $1,000,000 $1,000,000 N/A
Exterior Contractors (Facades/Roofs/Sidewalks/Concrete Work) $1,000,000 $1,000,000 N/A
Interior Electrical Work $1,000,000 $1,000,000 N/A
Floor Installation $1,000,000 $1,000,000 N/A
General Contractor and/or Construction Manager $1,000,000 $1,000,000 Consult with Risk Mgmt
HVAC (other than Boilers) $1,000,000 $1,000,000 N/A
Painting - Exterior $1,000,000 $1,000,000 N/A
Pavement Sealing or Repairs $1,000,000 $1,000,000 N/A
Plumbers $1,000,000 $1,000,000 N/A
Roofing Repairs $1,000,000 $1,000,000 N/A
Street Repairs $1,000,000 $1,000,000 N/A
Construction Projects High Risk      
Bleachers & Seating $1,000,000 $5,000,000 N/A
Boilers / Chillers / Steam Generation $1,000,000 $5,000,000 N/A
Cranes (Any  Project - Must Specify Riggers Liability) $1,000,000 $5,000,000 N/A
Demolition $1,000,000 $5,000,000 N/A
Elevators $1,000,000 $5,000,000 N/A
General Contractor and/or Construction Managers $1,000,000 $5,000,000 Consult with Risk Mgmt
Heavy Construction Equipment Operators $1,000,000 $5,000,000 N/A
Hi-Tech Equipment Installation $1,000,000 $5,000,000 N/A
Hi-Risk Interior or Exterior Remolding $1,000,000 $5,000,000 N/A
Hi-Voltage Electrical $1,000,000 $5,000,000 N/A
Major Building Renovation & Major New Construction $1,000,000 $5,000,000 N/A
Welding / Torch Cutting $1,000,000 $5,000,000 N/A
Power Lines and Poles $1,000,000 $5,000,000 N/A
Underground Work $1,000,000 $5,000,000 N/A
Scaffolding Companies $1,000,000 $5,000,000 N/A



    General Liability Automobile Umbrella Professional
Actors   $500,000   N/A N/A
Ballon Rides (Tethered Only -- Combined Single Aviation Limit)   $1,000,000   $1,000,000  
Event Promoter / Meeting Planner   $1,000,000   N/A N/A
Musicians   $1,000,000   N/A N/A
Musical Group/Bands   $1,000,000   N/A N/A
Photographer/Videographer   $500,000   N/A N/A
Special Event (Cat #1 Amusements, Games, Booths, Etc)   $1,000,000 $1,000,000 $1,000,000 N/A
Special Event (Cat #2 Carnival Rides, Climbing Walls, Mechanical Bull Etc)   $1,000,000 $1,000,000 $3,000,000  


Miscellaneous Services
  General Liability Umbrella Professional
Business Equipment/Products $1,000,000 N/A N/A
Computer Equipment/Products $1,000,000 N/A N/A
Distributors - Various Products/Supplies $1,000,000 N/A N/A
Fireworks Display Vendor $1,000,000 $10,000,000  
Florists $500,000 N/A N/A
Glass and Glass Repair $1,000,000 N/A N/A
Laboratory Equipment/Products $1,000,000 N/A $1,000,000
Logging/Lumbering $1,000,000 N/A N/A
Mail Services $1,000,000 N/A N/A
Medical/Technical Products $1,000,000 N/A $1,000,000
Misc. Equipment - Sales and Service $1,000,000 N/A N/A
Portable Toilet Service $1,000,000 N/A N/A
Signs / Sign Makers $1,000,000 N/A N/A



Pest Control / Waste / Abatement
  General Liability Umbrella Auto Liability Evironmental Legal Liability
Debris Removal $1,000,000 $1,000,000 $5,000,000 $5,000,000
Hazardous Materials Removal $1,000,000 $1,000,000 $5,000,000 w/MSC90 $5,000,000
Environmental Remediation $1,000,000 $1,000,000 Statutory $5,000,000
Exterminators $1,000,000 $1,000,000 Statutory $2,000,000
Medical Waste Disposal $1,000,000 $1,000,000 Statutory $5,000,000


Professional Services
  General Liability Umbrella Professional Crime
Employee Benefits Consulting, Design, Implementation N/A $1,000,000 $2,000,000 $1,000,000
Third Party Claims Administration $1,000,000 $1,000,000 $1,000,000 $2,000,000
Employment Agency $1,000,000 $1,000,000 $1,000,000 N/A
Security Agency $1,000,000 $1,000,000 $1,000,000 N/A
Insurance Brokerage Firms $1,000,000 $1,000,000 $5,000,000 N/A
Management / Business Consultants $1,000,000 N/A $1,000,000 N/A
Hired Architects (Building Structural other than Residential) $1,000,000 $1,000,000 $5,000,000 N/A
Hired Architects (Building Interior design) $1,000,000 $1,000,000 $1,000,000 N/A
Hired Environmental Consultant Phase I ESA $1,000,000 N/A $1,000,000 N/A
Hired Environmental Consultant Phase II ESA $1,000,000 N/A $1,000,000 N/A
Hired Environmental Consultant Phase III ESA $1,000,000 N/A $5,000,000 N/A
Hired Engineers - Soil Testing, Concrete, Water, Other $1,000,000 N/A $1,000,000 N/A
Landscape Designers $1,000,000 N/A $1,000,000 N/A
Advertising Agent $1,000,000 N/A If By Contract N/A
Marketing or Promotional Firm $1,000,000 N/A If By Contract N/A
Lobbyist $1,000,000 N/A If By Contract N/A
Public Relations/Communications Firm $1,000,000 N/A If By Contract N/A
Sports Training/Coach (Contractor/Non-staff) $1,000,000   $1,000,000  


Transportation Services

  General Liability Umbrella Auto or Applicable Liability Limit
Charter Aircraft NCAA Teams     $1,000,000,000 CSL AVL (see Note 1)
Charter Aircraft All Other     $50,000,000 CSL AVL (see Note 1)
Charter Bus Company $1,000,000 $5,000,000 $5,000,000 w/BMC91X Required
Valet Service $1,000,000   $1,000,000 (Garage Liability)
Limousine Rental Service $1,000,000   $1,500,000
Shuttle Service $1,000,000 $4,000,000 $5,000,000
Moving and Storage $1,000,000 $1,000,000 $5,000,000 w MCS90 Required
Rock and Gravel Hauler $1,000,000 $1,000,000 $1,000,000

Note 1: CSL AVL denotes Combined Single Limits Aviation Liability.

Use of University Facilities
  General Liability Umbrella  
Alumni Association Events $1,000,000 $1,000,000 Any Exceptions approved by Risk Management
Athletic Events using University Facilities $1,000,000 $3,000,000  
Muscians/Bands/Performers for own benefit * $1,000,000 $3,000,000  
Event Promoter / Meeting Planner (Third party) $1,000,000 $3,000,000 Any Exceptions approved by Risk Management
Groups Renting University Facilities involving activities/conferences (Third Party) $1,000,000 $1,000,000  
Summer Camps on Campus including Third Party and Coaches Camps (Day or Overnight) $1,000,000 (no MHS Exclusion **) $3,000,000 Any Exceptions approved by Risk Management
* This would be a non-Liberty produced event      
** MHS--Molestation, Harrassment or Sexual Abuse; The policy cannot have an exclusion to MHS