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.

  • Additional Insured Requirement
  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).

  • Waiver of Subrogation will be required for General Liability, Automobile Liability and Worker's Compensation. Typically all contracts for construction services will require waiver of subrogation.

Vendor Categories Coverage Requirement Lookup


 

Catering/Food Service/Restaurant

Catering for Events

  • General Liability - $1,000,000
  • Umbrella - N/A
  • Professional - N/A

Food Service for University

  • General Liability - $1,000,000
  • Umbrella - $1,000,000

Restaurants

  • General Liability - None if less < $1,000
  • Umbrella - N/A
  • Professional - N/A

Cleaning and Laundry Services

Building Cleaning Services

  • General Liability - $1,000,000
  • Umbrella - N/A
  • Professional - N/A

Carpet Cleaning

  • General Liability - $1,000,000
  • Umbrella - N/A
  • Professional - N/A

Laundry Services

  • General Liability - $1,000,000
  • Umbrella - N/A
  • Professional - N/A

Communications / Info Technology

Hired Software Developer/Customize

  • General Liability - $1,000,000
  • Umbrella - N/A
  • Prof./E&O - $1,000,000
  • Fidelity Bond/ Crime - $1,000,000 See Below
  • Data Breach - $1,000,000 See Below

Software (Licensing)

  • General Liability - $1,000,000
  • Umbrella - N/A
  • Prof./E&O - N/A
  • Fidelity Bond/ Crime - N/A

Telecom Design and Admin.

  • General Liability - $1,000,000
  • Umbrella - N/A
  • Prof./E&O - N/A
  • Fidelity Bond/ Crime - N/A

Programmer

  • General Liability - $1,000,000
  • Umbrella - N/A
  • Prof./E&O - $1,000,000
  • Fidelity Bond/ Crime - $1,000,000 See Below
  • Data Breach - $1,000,000 See Below

Web Administrator/Design

  • General Liability - $1,000,000
  • Umbrella - N/A
  • Prof./E&O - $1,000,000
  • Fidelity Bond/ Crime - $1,000,000 See Below
  • Data Breach - $1,000,000 See Below

Audio, Visual, Video Production - Install/Design/Sales/Services

  • General Liability - $1,000,000
  • Umbrella - N/A
  • Prof./E&O - N/A
  • Fidelity Bond/ Crime - N/A

If includes rental of TV Production vehicle (truck or trailer) see Automobile Liability requirements.

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:

  • General Liability--Required of all vendors. Exceptions must be approved by Risk Management.

  • Professional Liability--Required of all vendor’s where the vendor’s software will be placed on our servers. Language in the indemnification section holding vendors harmless from use which damages our data, functionality or systems should be removed from contracts and agreement. Exceptions must be approved by Risk Management.

  • 3rd Party Data Breach Coverage--If the vendors product will touch personally identifiable student, staff or faculty data, then 3rd party data breach coverage is required. This coverage indemnifies the University in the event personally identifiable data is compromised. Exceptions must be approved by Risk Management.

  • Crime/Fidelity Coverage--If the vendors product will touch financial data of students, staff or faculty, then 3rd crime/fidelity coverage is required. This coverage indemnifies the University in the event financial data is compromised. Exceptions must be approved by Risk Management.

  • Automobile Insurance would only be required if the vendor driving their own vehicle onto the campus to deliver or install product. Exceptions must be approved by Risk Management.

  • Worker’s Compensation would only be required if the vendor was involved in actual physical work on the campus. Exceptions must be approved by Risk Management.


Construction/Building Services

Construction Projects - Low Risk
Fencing, Furniture Repair/Installation, Glass, Insulation, Landscaping - No Electrical or Excavation, Minor Concrete Type Repair, Non-structural Remolding, Painting - Interior Signs - No Welding

  • General Liability - $500,000
  • Umbrella - N/A
  • Professional - N/A

Construction Projects - Medium Risk
Alarm Systems - fire/security, Concrete in Major Traffic Areas, Equipment Rental w/operators (no cranes), Exterior Contractors (Facades/Roofs/Sidewalks/Concrete Work), Interior Electrical Work, Floor Installation, General Contractor and/or Construction Manager, HVAC (other than Boilers), Painting - Exterior, Pavement Sealing or Repairs, Plumbers, Roofing Repairs, Street Repairs

  • General Liability - $1,000,000
  • Umbrella - Umbrella
  • Professional - N/A
    (General Contractor and/or Construction Manager - Consult with Risk Management)

Construction Projects High Risk
Bleachers & Seating, Boilers / Chillers / Steam Generation, Cranes (Any  Project - Must Specify Riggers Liability), Demolition, Elevators, General Contractor and/or Construction Managers, Heavy Construction Equipment Operators, Hi-Tech Equipment Installation, Hi-Risk Interior or Exterior Remolding, Hi-Voltage Electrical, Major Building Renovation & Major New, Construction, Welding / Torch Cutting, Power Lines and Poles, Underground Work, Scaffolding Companies

  • General Liability - $1,000,000
  • Umbrella - $5,000,000
  • Professional - N/A
    (General Contractor and/or Construction Manager - Consult with Risk Management)

  •  

Activities/Events/Entertainment

Actors

  • General Liability - $500,000
  • Umbrella - N/A
  • Professional - N/A

Ballon Rides (Tethered Only - Combined Single Aviation Limit)

  • General Liability - $1,000,000
  • Umbrella - $1,000,000

Event Promoter / Meeting Planner

  • General Liability - $1,000,000
  • Umbrella - N/A
  • Professional - N/A

Musicians, Musical Group/Bands

  • General Liability - $1,000,000
  • Umbrella - N/A
  • Professional - N/A

Photographer/Videographer

  • General Liability - $500,000
  • Umbrella - N/A
  • Professional - N/A

Special Event (Cat #1 Amusements, Games, Booths, Etc)

  • General Liability - $1,000,000
  • Automobile - $1,000,000
  • Umbrella - $1,000,000
  • Professional - N/A

Special Event (Cat #2 Carnival Rides, Climbing Walls, Mechanical Bull Etc)

  • General Liability - $1,000,000
  • Automobile - $1,000,000
  • Umbrella - $3,000,000

 


Miscellaneous Services

Debris Removal

  • General Liability - $1,000,000
  • Umbrella - $1,000,000
  • Auto Liability - $5,000,000
  • Environmental Legal Liability - $5,000,000

Hazardous Materials Removal

  • General Liability - $1,000,000
  • Umbrella - $1,000,000
  • Auto Liability - $5,000,000 w/MSC90
  • Environmental Legal Liability - $5,000,000

Environmental Remediation

  • General Liability - $1,000,000
  • Umbrella - $1,000,000
  • Auto Liability - Statutory
  • Environmental Legal Liability - $5,000,000

Exterminators

  • General Liability - $1,000,000
  • Umbrella - $1,000,000
  • Auto Liability - Statutory
  • Environmental Legal Liability - $2,000,000

Medical Waste Disposal

  • General Liability - $1,000,000
  • Umbrella - $1,000,000
  • Auto Liability - Statutory
  • Environmental Legal Liability - $5,000,000

Professional Services

Employee Benefits Consulting, Design, Implementation

  • General Liability - N/A
  • Umbrella - $1,000,000
  • Professional - $2,000,000
  • Crime - $1,000,000

Third Party Claims Administration

  • General Liability - $1,000,000
  • Umbrella - $1,000,000
  • Professional - $1,000,000
  • Crime - $2,000,000

Employment Agency

  • General Liability - $1,000,000
  • Umbrella - $1,000,000
  • Professional - $1,000,000
  • Crime - N/A

Security Agency

  • General Liability - $1,000,000
  • Umbrella - $1,000,000
  • Professional - $1,000,000
  • Crime - N/A

Insurance Brokerage Firms

  • General Liability - $1,000,000
  • Umbrella - $1,000,000
  • Professional - $5,000,000
  • Crime - N/A

Management / Business Consultants

  • General Liability - $1,000,000
  • Umbrella - N/A
  • Professional - $5,000,000
  • Crime - N/A

Hired Architects (Building Structural other than Residential)

  • General Liability - $1,000,000
  • Umbrella - $1,000,000
  • Professional - $5,000,000
  • Crime - N/A

Hired Architects (Building Interior design)

  • General Liability - $1,000,000
  • Umbrella - $1,000,000
  • Professional - $1,000,000
  • Crime - N/A

Hired Environmental Consultant Phase I ESA

  • General Liability - $1,000,000
  • Umbrella - N/A
  • Professional - $1,000,000
  • Crime - N/A

Hired Environmental Consultant Phase II ESA

  • General Liability - $1,000,000
  • Umbrella - N/A
  • Professional - $1,000,000
  • Crime - N/A

Hired Environmental Consultant Phase III ESA

  • General Liability - $1,000,000
  • Umbrella - N/A
  • Professional - $5,000,000
  • Crime - N/A

Hired Engineers - Soil Testing, Concrete, Water, Other

  • General Liability - $1,000,000
  • Umbrella - N/A
  • Professional - $1,000,000
  • Crime - N/A

Landscape Designers

  • General Liability - $1,000,000
  • Umbrella - N/A
  • Professional - $1,000,000
  • Crime - N/A

Advertising Agent, Marketing or Promotional Firm, Lobbyist, Public Relations/Communications Firm

  • General Liability - $1,000,000
  • Umbrella - N/A
  • Professional - If By Contract
  • Crime - N/A

Sports Training/Coach (Contractor/Non-staff)

  • General Liability - $1,000,000
  • Professional - $1,000,000

Transportation Services

Charter Aircraft NCAA Teams

  • Auto or Applicable Liability Limit - $1,000,000,000 CSL AVL (see Note 1)

Charter Aircraft All Other

  • Auto or Applicable Liability Limit - $50,000,000 CSL AVL (see Note 1)

Charter Bus Company

  • General Liability - $1,000,000
  • Umbrella - $5,000,000
  • Auto or Applicable Liability Limit - $5,000,000 w/BMC91X Required

Valet Service

  • General Liability - $1,000,000
  • Auto or Applicable Liability Limit - $1,000,000 (Garage Liability)

Limousine Rental Service

  • General Liability - $1,000,000
  • Auto or Applicable Liability Limit - $1,500,000

Shuttle Service

  • General Liability - $1,000,000
  • Umbrella - $4,000,000
  • Auto or Applicable Liability Limit - $5,000,000

Moving and Storage

  • General Liability - $1,000,000
  • Umbrella - $1,000,000
  • Auto or Applicable Liability Limit - $5,000,000 w MCS90 Required

Rock and Gravel Hauler

  • General Liability - $1,000,000
  • Umbrella - $1,000,000
  • Auto or Applicable Liability Limit - $1,000,000

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


Use of University Facilities

Alumni Association Events

  • General Liability - $1,000,000
  • Umbrella - $1,000,000
  • Any Exceptions approved by Risk Management

Athletic Events using University Facilities

  • General Liability - $1,000,000
  • Umbrella - $3,000,000

Muscians/Bands/Performers for own benefit *

  • General Liability - $1,000,000
  • Umbrella - $3,000,000

Event Promoter / Meeting Planner (Third party)

  • General Liability - $1,000,000
  • Umbrella - $3,000,000
  • Any Exceptions approved by Risk Management

Groups Renting University Facilities involving activities/conferences (Third Party)

  • General Liability - $1,000,000
  • Umbrella - $1,000,000

Summer Camps on Campus including Third Party and Coaches Camps (Day or Overnight)

  • General Liability - $1,000,000 (no MHS Exclusion **)
  • Umbrella - $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

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