Vendor Insurance and Certificate of Insurance Requirements

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As part of the contracting process, Liberty vendors will need to meet specific insurance requirements related to the anticipated scope of work performed for the University. Please note that vendors will also need to provide a current Certificate(s) of Insurance (COI), evidencing the applicable policies, limits, and endorsements.

Operations Liability Requirements
- Commercial General Liability, Professional Liability, and Umbrella Policies
  - The type of coverage and associated limits will vary based on the type of service provided and/or the scope of work performed.
    - The vendor categories below (click to see Vendor Categories), provide the minimum liability requirements by service type. (Please note that these are minimum requirements, and the scope of work/project size may require higher limits.)

- - Please also note the required endorsement section below for additional coverage terms.

- Commercial Automobile Liability Requirements

- - In addition to the General Liability policies (click to see Vendor Categories), contractors/vendors transporting University property, employees, or use of a vehicle is integral to the performance of the contract on property owned by Liberty University will need proof of Commercial Automobile Liability insurance based on the services performed.
    - 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 required policy limit is $2,000,000
    - If the vehicle will transport more than 14 passengers, the required minimum policy limit is $5,000,000 and an MSC-90B filing endorsement is required.
  - Please also note the required endorsement section below for additional contract coverage terms.

- Workers Compensation and Employer’s Liability Requirements
  - Minimum requirements for all vendors – Statutory Limits
  - Employer’s Liability (minimum requirements for all vendors)
    - Each Accident – $500,000
    - Each Employee – $500,000
    - Each Disease – $500,000

- - Please also note the required endorsement section below for additional contract coverage terms.

Required Policy Endorsements – Contractors/vendors shall provide evidence of the following endorsements for all applicable policies, Additional Insured, Waiver of Subrogation, Primary and Non-Contributory, and Direct Broker Notice for non-renewal or cancellation of policies.

- Additional Insured:
  - Vendor Commercial General Liability insurance policies, as well as Automobile Liability policies as applicable, should name Liberty University, Inc. its Trustees, Officers, Students, Agents and Employees as Additional Insured as it pertains to the work done/service provided and/or product delivered to Liberty University.

- - Along with the Certificate of Insurance (COI), the Vendor shall supply:

- - - A copy of the actual endorsement or,
    - A copy of the Blanket Additional Insured Endorsement

- Waiver of Subrogation:
  - Vendor General Liability, Automobile Liability and Workers Compensation & Employer’s Liability policies shall include a Waiver of Subrogation in favor of Liberty University, Inc. its Trustees, Officers, Students, Agents and Employees.

- Primary and Non-Contributory:
  - Vendor General Liability, Automobile Liability and Workers Compensation & Employer’s Liability policies shall include an endorsement that all applicable polices will serve on a Primary and Non-Contributory basis for the scope of work to be provided and associated liability.

- Direct Carrier Notice of Cancellation or Non-renewal:
  - Vendor/contractor General Liability, Automobile Liability and Workers Compensation & Employer’s Liability policies shall include an endorsement to the effect that Cancellation, Non-renewal, or Material Change in the policies, adversely affecting our interest in such insurance, shall not be effective until 30 days after written notice has been mailed by the Direct Carrier and received by the Owner.

Vendor Categories Coverage Requirement Lookup

Catering/Food Service/Restaurant

Cleaning and Laundry Services

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 above.

If such rental includes engineers or technicians see Workers Compensation requirements above.

Please share these links to Liberty Risk Management Pages with IT vendors needing more information on 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 vendors 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.
Third Party Data Breach Coverage–If the vendor’s product will touch personally identifiable student, staff or faculty data, then 3^rd 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 vendor’s product will touch financial data of students, staff or faculty, then 3^rd 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 drives 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

Activities/Events/Entertainment

Miscellaneous Services

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

Vendor Insurance and Certificate of Insurance Requirements

Vendor Categories Coverage Requirement Lookup

Catering for Events

Food Service for University

Restaurants

Cleaning and Laundry Services

Building Cleaning Services

Carpet Cleaning

Laundry Services

Hired Software Developer/Customize

Software (Licensing)

Telecom Design and Admin.

Programmer

Web Administrator/Design

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

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

Please share these links to Liberty Risk Management Pages with IT vendors needing more information on 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 Projects – Low Risk

Requirements:

Construction Projects – Medium Risk

Requirements:

Construction Projects High Risk

Requirements:

Actors

Balloon Rides (Tethered Only – Combined Single Aviation Limit)

Event Promoter / Meeting Planner

Musicians, Musical Group/Bands

Photographer/Videographer

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

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

Debris Removal

Hazardous Materials Removal

Environmental Remediation

Exterminators

Medical Waste Disposal

Employee Benefits Consulting, Design, Implementation

Third Party Claims Administration

Employment Agency

Security Agency

Insurance Brokerage Firms

Management / Business Consultants

Hired Architects (Building Structural other than Residential)

Hired Architects (Building Interior design)

Hired Environmental Consultant Phase I ESA

Hired Environmental Consultant Phase II ESA

Hired Environmental Consultant Phase III ESA

Hired Engineers – Soil Testing, Concrete, Water, Other

Landscape Designers

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

Sports Training/Coach (Contractor/Non-staff)

Charter Aircraft NCAA Teams

Charter Aircraft All Other

Charter Bus Company

Valet Service

Limousine Rental Service

Shuttle Service

Moving and Storage

Rock and Gravel Hauler

Alumni Association Events

Athletic Events using University Facilities

Musicians/Bands/Performers for own benefit *

Event Promoter / Meeting Planner (Third party)

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

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