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IT Consultant’s General Liability Insurance Requirement

Why Do I Need Business Liability / Commercial General Liability Insurance?

  • Every business benefits from adequate Commercial General Liability (CGL) coverage
  • CGL insurance protects you if a customer is injured at your place of business
  • It would also cover damage or injuries caused by your employees at a client’s site
  • Commercial General Liability protects businesses against these types of claims
  • Even if your company is negligent or liable for damage, injury or loss to another’s property, reputation or health, your business can keep its assets if it is adequately insured
  • Liberty University requires all vendors to provide evidence of General Liability insurance and to add Liberty as an additional insured on its insurance policy in the event of claims such as those mentioned above
  • Most insurance companies do not charge extra for adding a client as an additional insured; it is typically automatic when there is a written agreement with the client
  • Liberty’s MSA, which you will be required to sign, serves as written documentation your insurance company may request

Certificates of Insurance

  • When you request an opportunity to do business with Liberty, during the contracting process you will be asked to provide a certificate of insurance, issued by your insurance agent, showing your business has the required coverage
  • We will also ask to see a copy of the endorsement to the policy evidencing either the automatic additional insured coverage or a specific endorsement adding Liberty University as an additional insured

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