Certificate of Insurance & Proof of Coverage

Vendors, Contractors, and Consultants

All contractors, consultants, and vendors performing work for Liberty University must:

• Defend and hold Liberty University harmless from any loss, injury, or damage occurring during the performance of work
• Indemnify Liberty University for any loss it suffers as a result of the negligence of the contractor, consultant, affiliate, or service provider including the employees, agents, and sub-contractors thereof
• Show evidence of adequate insurance coverage by furnishing a Certificate(s) of Insurance (COI) with accompanying policy endorsements and forms indicating compliance with all requirements.

Typical insurance requirements may include:

• Commercial General Liability (occurrence basis only)
• Automobile Liability
• Umbrella/Excess Liability
• Professional Liability
• Workers’ Compensation

All COIs must:

• Name Liberty University, its Trustees, Officers, Employees, and Agents as Additional Insured for the work or services provided
• Provide 30 days’ written notice of policy cancellation or material changes

Because a COI only confirms coverage at the time it is issued and does not provide policy rights, vendors must also provide supporting documentation such as:

• Policy declaration page and schedule of endorsements
• Additional Insured endorsement naming Liberty University
• Blanket or Automatic Additional Insured endorsement required by contract

Vendors selling equipment or performing installation work must provide Products and Completed Operations coverage with Liberty University listed as an additional insured. Some policies exclude this coverage after work is completed, so vendors may need to purchase additional coverage to meet university requirements.

When required, property insurance must be All Risk coverage on a full replacement cost basis for property used in connection with the work, including:

• Equipment
• Tools
• Materials
• Supplies

On occasion, University facilities are rented out to other organizations or groups not affiliated with the university. To avoid unnecessary assumption of liability and protect the interests of the university, it is imperative that prior to agreeing to rent out University facilities, the individual or group renting the facilities has an insurance policy in place and provides a Certificate of Insurance (COI).

For specific insurance limits and requirements, contact the Office of Risk Management at (434) 592-3582. If insurance is not currently held, event coverage may be purchased through the Tenants’ and Users’ Liability Insurance Policy (TULIP) program.

Liberty University may provide COIs for:

• Student off-campus placements (clinical, practicum, internships)
• University-approved social activities
• Off-campus teaching or research activities

Requests must be submitted at least three business days before the event and include:

• Certificate holder name and contact information
• Activity dates and description
• Required insurance limits
• Copy of related contracts or agreements
• Department Chair or Dean approval when applicable

Requests should be sent to Risk Management. Verbal requests cannot be accepted.

Unless otherwise required, certificates are typically issued with $1 million liability limits.

University departments must ensure insurance requirements are met before the effective date of any contract or agreement.

The Office of Risk Management may adjust insurance limits based on risk evaluation and provides guidance on insurance requirements and COI requests.

Certificates should be sent to:

Liberty University
Office of Risk Management
1971 University Blvd.
Lynchburg, VA 24515