Item F39BOARD OF COUNTY COMMISSIONERS
AGENDA ITEM SUMMARY
Meeting Date: November 16, 2011 Division: Fm to ee Services
Sulk Item: Yes No Department: Employee Benefits
Staff Contact Person/Phone#:Teresa A iar X4458
Approval of
AGENDA ITEM WORDING: Resolution repealing Resolution 497-2007 and approval to adopt the
� p
newly revised Risk Management Policy and Procedures Contract Administration Manual, 2011
Edition.
ITEM BACKGROUND: On April 27, 2010 SB 2060 was signed into law that increased the
Sovereign Immunity limits specified in Florida Statute 768.28 from $100,000 per person and $200,000
per occurrence to $200,000 per person and $300,000 per occurrence. The law took effect on October 1,
2011.
PREVIOUS REVELANT BOCC ACTION: At the December, 2007 meeting, Resolution 209-1996
was repealed and Resolution 497-2007 was adopted.
CONTRACT/AGREEMENT CHANGES: Change of Sovereign Immunity limits specified in
Florida Statute 768.28 from $100,000 per person and $200,000 per occurrence to $200,000 person
and per p
$300,000 per occurrence.
STAFF RECOMMENDATIONS: Approval.
TOTAL COST: NIA INDIRECT COST: BUDGETED: Yes No
COST TO COUNTY: NIA SOURCE OF FUNDS: NIA
REVENUE PRODUCING: Yes N X AMOUNT PER MONTH Year
APPROVED BY: County Atty `J�' OMB/Purchasing Risk Management VIS
g ent�
DOCUMENTATION:
DISPOSITION:
Revised 2/27/01
Included X To Follow Not Required
AGENDA ITEM #
RESOLUTION NO. —2011
A RESOLUTION OF THE BOARD OF COUNTY COMMISSIONERS OF
MONROE COUNTY, FLORIDA, REPEALING RESOLUTION 497- 2007
AND ADOPTING THE RISK MANAGEMENT POLICY AND
PROCEDURES CONTRACT ADMINISTRATION MANUAL, 2011
EDITION, WHICH RAISES THE SOVEREIGN IMMUNITY LIMITS FROM
$100f000 PER PERSON AND $200,000 PER OCCURRENCE TO
$200f000 PER PERSON AND $300,000 PER OCCURRENCE.
WHEREAS, on April 27, 2010 SB 2060 was signed into law which increased the
Sovereign Immunity Limits as specified in Florida Statute 768.28 from $100,000 person
erson
p
and $200,000 per occurrence to $200,000 per person and $300,000 per occurrence; and
WHEREAS, the law took effect on October 1, 2011; and
WHEREAS, it has become necessary to revise the Risk Management Policy and
Procedures Contract Administration Manual to reflect the new statutory limits.
BE IT RESOLVED BY THE BOARD OF COUNTY COMMISSIONERS OF MONROE COUNTY, FLORIDA
That the Risk Management Policy and Procedure Contract Administration Manual, 2011
Edition, is hereby adopted as the official source of insurance/risk management
requirements that must be included in any type of contractual agreement presented to the
Board of County Commissioners for approval and execution by the Mayor.
PASSED AND ADOPTED by the Board of County Commissioners of Monroe County,
Florida, at a regular meeting of said Board held on the day of
2011. '
Mayor Heather Carruthers
Mayer Pre Tern David Rice
Commissioner George Neugent
Commissioner Sylvia Murphy
Commissioner Kim wigington
(SEAL)
Attest: DANNY L. KOHLAGE, Clerk
By
Deputy Clerk
BOARD OF COUNTY COMMISSIONERS
OF MONROE COUNTY, FLORIDA
Vj
Mayor/Chairperson
M
O OE COUNTY YATidRrNEY
R Ed S
C N H!A L. f-.ALL
Ass AN� �n��Yd o ��oaNE1�
pe►te'j
01I Edition
MONROE COUNTY, FLORIDA
RISK MANAGEMENT
POLICY AND PROCEDURES
CONTRACT ADMINISTRATION
MANUAL
INTRODUCTION
This manual Was developed to establish the minimum Risk Management requirements for those
individuals or firms that perform Work for or on behalf of the County, use County in
property
conjunction With their activities, or receive funding or grants from the County.
To facilitate its use and to address the various exposures to loss faced by the County, the Manual
has been sectionalized and specific insurance requirements developed based on the following
classifications:
Construction Contractors and Subcontractors - organizations performing construction
activities for or on behalf of the County, on or off County Property.
Other Contractors and Subcontractors (including Trade Contractors) -Organizations
that are providing goods or services (to include service or maintenance contracts) to the
County or its residents for remuneration.
Public Welfare and Special Events - Activities that are held on or involve the use of
County property or designed to provide assistance to the general public. The activities
may be sponsored by private industry, trade/professional associations, or non-profit
organizations. This section includes activities that are funded by the County through
the Tourist Development Council.
Airport/Aircraft Activities - organizations performing Work at or for County -owned
airfields or activities involving the use of aircraft, or lease of airport property.
Leases or Sub -Leases of County Property - organizations leasing real and personal
property awned by the County. This section also includes firms that operate as
concessionaires on County property.
Certain sections of the manual will apply to all groups, while others will only apply p to a specific
group.
Administration Instruction
20I I Edition
MONROE COUNTY, FLORIDA
RISK MANAGEMENT
POLICY AND PROCEDURES
CONTRACT ADMINISTRATION
MANUAL
OBJECTIVE and GENERAL PROCEDURES
In recent years, society has seen an increase in the number of law suits filed in the court systems.
Frequently when a suit is filed, anyone having a connection with the activity which gave rise to
the claim are named as defendants, regardless of their contribution to the loss. Simple
ownership of the property where the accident took place could expose the County to a lengthy
g y
and costly legal battle, even though it was not negligent in conducting Its affairs.
To reduce the number and cost of such claims, the County attempts to hold the party responsible
p
for the claim accountable for their actions. This is accomplished in two (2) ways.
First, the County requires that all parties doing work for, or on behalf of Monroe County, or
utilizing County property provide an Indemnification and Hold Harmless agreement in favor
of Monroe County. Such an agreement obligates them to protect and pay for any costs which the
County might incur arising out of their activities, Including providing a defense attorney to the
County. Various forms of Indemnification and Hold Harmless agreements may be used,
depending on the nature of the activity Involved. The Individual sections of this manual will
specify which agreement is appropriate. All agreements are contained in the section titled
Indemnification and Hold Harmless.
Second, to ensure that sufficient resources are available to satisfy the obligation assumed under
the Indemnification and Hold Harmless agreement, the County requires most parties to maintain
minimum insurance protection. The amount of protection will vary on the type and cost of work
to be performed, and the risks involved.
There will be times when it will be necessary, or in the best interest of the County, to deviate
from the standard insurance requirements specified within this ManualRecognizing this potential
and acting on the advice of the County Attorney, the Board of County Commissioners has
delegated authorization to the County Administrator and/or Risk Management to waive and
modify various Insurance provisions. These will be discussed in further detail in the section of
this Manual entitled waiver of Insurance Requirements.
Administration Instruction
2
2011 Edition
Standard Insurance Re uirements
As a general rule, all parties will be required to carry, as a minimum:
• workers' Compensation and Employers' Liability Insurance
• General Liability Insurance
and
• vehicle Liability Insurance
The above insurances provide specific types of protection. These insurance coverages will be
supplemented with different and additional types of coverages depending on the work or services
being performed for the County.
The required limits will be contingent upon the nature and extent of the project or activity.
y
A general overview of these coverages and other issues that may assist the user of this manual is
provided in the section entitled Glossary.
Certificates of Insurance
Verification that thep y
party has obtained the necessary insurance, is usually accomplished b the
furnishing of a Certificate of Insurance. A Certificate of Insurance summarizes the coverages
that are being carried by the insured. It also specifies special provisions, such as Additional
Insured. An industry standard form has been developed which is used by numerous insurance
companies and agents.
Upon receipt of a Certificate of Insurance, it shall be reviewed to ensure that it includes all
required coverages, that the insurance company is acceptable, that it specifically names the
Monroe County Board of County Commissioners as an Additional Insured, if required, and that
the policy(ies) have not expired. The Certificate shall be filed with the contract documents and
reviewed thirty days prior to the expiration date. At that time an updated certificate is required.
A co shall also be forwarded to Risk Management.q
py
General Procedures
The insurance requirements shall be established in conjunction with the development of the
project. The "Schedule of Insurance Requirements" contained within various sections of this
Manual will be used as a basis for the establishment of the coverages that must be provided and
must be included in all RFP's. Unless insurance
is waived by Risk Management, the Insurance
Checklist" will be completed by the County's employee responsible for the J ro'ect b kin
p y marking
the required coverages with an "X" The form contains instructions for the ro oser's insurance
p p
agent to review and sign signifying that coverage is in place or will be obtained if awarded the
project or contract.
If the project is governed by a contract, the appropriate Insurance Forms will be included as part
of the document and an original Certificate of Insurance, approved by Risk Management, is
required for execution of the contract.
Requests for a waiver or modification to the insurance requirements must be made in writing,
g
and approved by Risk Management, utilizing the "Request for waiver of Insurance
Requirements" form. The reason why the waiver or modification is needed, the extent of
coverage that can be provided, and any other pertinent information, such as sole supplier, etc.
must be included on the request.
Administration instruction
Ld 11 Edition
VIONROE COUNTY, FLORIDA
INSURANCE CHECKLIST
FOR
VENDORS SUBMITTING PROPOSALS
FOR WORK
To assist in the development of your proposal, the insurance coverages marked with an "" will
be required in the event an award is made to your firm. Please review this form with your
insurance agent and have him/her sign it in the place provided. It is also required that the bidder
sign the form and submit it with each proposal.
WORKERS' COMPENSATION
AND
EMPLOYERS' LIABILITY
x Workers' Compensation Statutory Limits
Bodily In'ur b-v Accident/Bodii
Inj�ur�..I Disease policy
■IIUUUIwI �I'I II�IIpppI�1444i��u144U1i11111
limits/Bodily In'ur b Disease
each employee
�Algnll I�pllll I II 141r I
1 Employers Liability $1009000/$500,000/$100,000
WC2 Employers Liability $50090001$500,0001$500,000
WC3 Employers Liability$1900090001$1,00090001$190009000
WCUS LH US Longshoremen & Same as Employers'
Harbor Workers Act Liability
WCJA Federal Jones Act Same as Employers'
Liability
Administration Instruction
4
?01 I Edition
GENERAL LIAR ILITY
As a minimum, the required general liability coverages will include:
Premises Operations Products and Completed Operations
• B lanket Contractual Personal Injury
• Expanded Definition
of Property Damage
Required Limits:
GLI
GL2
G L3
GL4
$200,000 per Person; $300,000 per Occurrence
$200,000 Property Damage
or
$300,000 Combined Single Limit
$3,000 per Person; $500,000 per Occurrence
$200,000 Property Damage
or
$500,000 Combined Single Limit
$500,000 per Person; $1,000,000 per Occurrence
$100,000 Property Damage
or
$ 1,000,000 Combined Single Limit
$5,000,000 Combined Single Limit
Required Endorsement:
GL CU Underground, Explosion and Collapse (XCU)
GLLIQ Liquor Liability
GLS Security Services
All endorsements are required to have the same limits as the basic policy.
INSCKLST
Administration Instruction
I
VEHICLE LIABILITY
As a minimum, coverage should extend to liability for:
Owned; Non -owned; and Hired VehiclesRequired Limits:
VL1 $501,000 per Person: $100,000 per Occurrence
$25,000 Property Damage
or
$100,000 Combined Single Limit
(The use of VL1 should be limited to special projects that involve
other governmental entities or "Not for Profit" organizations. Risk
Management must approve the use of this form).
VL2 $2001,000 per Person; $300,000 per Occurrence
$2001,000 Property Damage
or
$3001,000 Combined Single Limit
VL3 $500,000 per Person; $1,000,000 per Occurrence
$100,000 Property Damage
or
$1,000,000 Combined Single Limit
VL4 $5,000,000 Combined Single Limit
MISCELLANEOUS COVERAGES
BR1
Builders'
Limits equal to the
Risk
completed project.
MVC
Motor Truck
Limits equal to the maximum
Cargo
Value of any one shipment.
PRO1
Professional
$ 300,000 per Occurrence/$ 500,00OAg .
g
PR02
Liability
$ 500,000 per Occurrence/$1,000,000 A gg.
PR03
$1,000,000 per Occurrence/$2,000100Q Ag .
g
POL 1
Pollution
$ 5001,000 per Occurrence/$1,000,000 Ag g.
POL2
Liability
$1,000,000 per Occurrence/$2,000,000 Agg.
POL3
$5,000,000 per Occurrence/$10,000,000 Agg .
ED 1
Employee
$ 10.)000
ED2
Dishonesty
$1 D0,000
GK 1
Garage
$ 3001000 ($ 25,000 per Veh)
GK2
Keepers
$ 500,000 ($100,000 per Veh)
GK3
$1,000,000 ($250,000 per Veh)
INSCKLST
Administration Instruction
6
2011 Edition
MED 1
Medical
$ 300,0401$ 750,000 Agg.
MED2
Professional
$ 500,0001$ 1,000,000 Agg.
MED3
$1,000,0006 31000,000 Agg.
MED4
$5,040,000610,000,000 Agg.
W
Installation
Maximum value of Equipment
Floater
Installed
VLP 1
Hazardous
$ 300,000 (Requires MCS-90)
VLP2
Cargo
$ 500,000 (Requires MCS-90)
VLP3
Transporter
$1,000,000 (Requires MCS-90)
BLL
Bailee Liab.
Maximum Value of Property
HK.L 1
Hangarkeepers
$ 300,000
HK.L2
Liability
$ 500,000
HK.L3
$ 1,000,400
AIR1
Aircraft
$ 1,000,000
AIR2
Liability
$ 5,000,000
AIR3
$50,000,000
AEO1
Architects Errors
$ 250,000 per Occurrence/$ 500,000 Agg.
AE02
& Omissions
$ 500,000 per Occurrence/$1,000,000 A gg
AE03
$ 1,000,000 per Occurrence/$3,000,000 Agg.
EO 1
Engineers Errors
$ 250,000 per Occurrence/$ 500,000 Agg.
E02
& Omissions
$ 500,000 per Occurrence/$1,000,000 Agg.
$ 1,000,000 per Occurrence/$3,000,000 Agg.
INSCKLST
Administration Instruction
7
2011 Edition
INSURANCE AGENT'S STATEMENT
I have reviewed the above requirements with the bidder named below. The following deductibles
apply to the corresponding policy.
POLICY DEDUCTIBLES
Liability policies are Occurrence Claims Made
Insurance Agency Signature
BIDDERS STATEMENT
I understand the insurance that will be mandatory if awarded the contract and will comply in full
with all the requirements.
Bidder
INSCKLST
Administration Instniction
Signature
2011 Edition
MONROE COUNTY, FLORIDA
RISK MANAGEMENT
POLICY AND PROCEDURES
CONTRACT ADMINISTRATION
MANUAL
Introduction
to
Construction Contractors and Subcontractors
Section
This section of the Manual will apply to construction type projects and activities utilizing
Contractors and Subcontractors. The types and amounts of insurance will be determined
based on the type of project and the projected cost of the contract. The fact that the funds
used to pay for the project were obtained from Federal, State, or other grants is not
material.
A special matrix of construction activities has been developed and incorporated within
this section to assist in the establishment of the proper insurance coverages and limits.
As a general rule, all contracts will include:
• Indemnification and Hold Harmless Provisions
• General Insurance Requirements
• Workers' Compensation Provisions
• General Liability Provisions
and
• Vehicle Liability Provisions
Questions should be directed to Risk Management
Administration Instruction
2011 Edition
MONROE COUNTY, FLORIDA
RISK MANAGEMENT
POLICY AND PROCEDURES
CONTRACT ADMINISTRATION
10 1 1�-w"
General Insurance Requirements
for
Construction Contractors and Subcontractors
Prior to the commencement of work governed by this contract (including the pre -staging
of personnel and material), the Contractor shall obtain, at his/her own expense, insurance
as specified in the attached schedules, which are made part of this contract. The
Contractor will ensure that the insurance obtained will extend protection to all Sub -
Contractors engaged by the Contractor. As an alternative the Contractor may require all
Subcontractors to obtain insurance consistent with the attached schedules.
The Contractor will not be permitted to commence work governed by this contract
(including pre -staging of personnel and material) until satisfactory evidence of the
required insurance has been furnished to the County as specified below. Delays in the
commencement of work, resulting from the failure of the Contractor to provide
satisfactory evidence of the required insurance, shall not extend deadlines specified in this
contract and any penalties and failure to perform assessments shall be imposed as if the
work commenced on the specified date and time, except for the Contractor's failure to
provide satisfactory evidence.
The Contractor shall maintain the required insurance throughout the entire term of this
contract and any extensions specified in any attached schedules. Failure to comply with
this provision may result in the immediate suspension of all work until the required
insurance has been reinstated or replaced. Delays in the completion of work resulting
from the failure of the Contractor to maintain the required insurance shall not extend
deadlines specified in this contract and any penalties and failure to perform assessments
shall be imposed as if the work had not been suspended, except for the Contractor's
failure to maintain the required insurance.
The Contractor will be held responsible for all deductibles and self insured retentions that
may be contained in the Contractor's Insurance policies.
The Contractor shall provide, to the County, as satisfactory evidence of the required
insurance, either:
• Certificate of Insurance
or
A Certified copy of the actual insurance policy.
The County, at its sole option, has the right to request a certified copy of any or all
insurance policies required by this contract.
Administration Instruction
10
2011 Edition
All insurance policies must specify that they are not subject to cancellation, non -renewal,
material change, or reduction in coverage unless a minimum of thirty (30) days prior
notification is given to the County by the insurer.
The acceptance and/or approval of the Contractor's insurance shall not be construed as
relieving the Contractor from any liability or obligation assumed under this contract or
imposed by law.
The Monroe County Board of County Commissioners, its employees and officials will be
included as "Additional Insured" on all policies, except for Workers' Compensation.
In addition, the County will be named as an Additional Insured and Loss Payee on all
policies covering County -owned property.
Any deviations from these General Insurance Requirements must be requested in writing
on the County prepared form entitled "Request for Waiver of Insurance
Requirements" and approved by Monroe County Risk Management.
Administration Instruction
2011 Edition
MONROE COUNTY, FLORIDA
SCHEDULE OF INSURANCE REQUIREMENTS
FOR
CONSTRUCTION CONTRACTORS AND SUBCONTRACTORS
REVISED 9/05
CONTRACT
DESCRIPTION OF
Under
$10,001
$50,001
$100,()01
$500,001
Over
TYPE
WORK
$1O,ODO
To
to $100,000
TO $500,0DO
TO $1 Mllllon
$1 MIIlion
$50 ODO
AIRPORT
PROVIDE AIRPORT CONSTRUCTION
WC3
WC3
WC3
WC3
WC3
Refer to
CONSTRUCTION
SERVICES -GENERALLY USING SUB-
GL4
GL4
GL4
GL4
GL4
Risk
CONTRACTORS
VL4
VL4
VL4
VL4
VL4
Management
If work invodves the structural integity of the
BR 1
BR 1
BR 1
BR1
BR 1
building
ARCHITECTS AND
PROFESSIONAL SERVICES IN THE
WC1
WC1
WC1
WC1
WC1
ENGINEERS
DESIGN OF BUILDINGS, SEWERS,
GL1
GL1
GL1
GL2
GL3
Refer to
WATER MAINS, STREETS, ETC.
VL1
VL1
VL1
VL1
VL1
Risk
AEO1
AEO1
AEO1
AE02
AE03
Mann ement
ENGINEERS
PROFESSIONAL SERVICES IN THE
WC1
WC1
WC1
WC1
WC1
Refer to
ENGINEERING DESIGN OF BUILDINGS,
GL1
GL1
GL1
GL2
GL3
Risk
SEWERS, W ATERMAIN, STREET, ETC,
VL1
VL1
VL1
VL1
VL1
Management
EO1
EO1
EO1
EO1
E03
BRIDGE
WC1
WC1
WC1
WC2
WC3
Refer to
CONSTRUCTION
PROVIDE BRIDGE CONSTRUCTION
GL1
GL1
GL1
GL2
GL3
Risk
SERVICES OVER NAVIGABLE AND
VL1
VL1
VL1
VL1
VL1
Management
UN -NAVIGABLE WATERS
GLXCU
GLXCU
GLXCU
GLXCU
GLXCU
BUILDING
BUILDING REHABILITATION
WC1
WC1
WC1
WC2
WC3
Refer to
REHABILITATION
GENERALLY USING SUB-
GL1
GL1
GL1
GL2
GL3
Risk
CONTRACTORS i I
VL1
VL1
VL1
VL2
VL3
Management
If work involves the structural Integrity of
BR1
BR1
BR1
BR1
BR1
the Building
MARINA
PROVIDE MARINA CONSTRUCTION
Refer to
Refer to
Refer to
Refer to
Refer to
Refer to
CONTRACTORS
ALONG SHORELINE
Risk
Risk
Risk
Risk
Risk
Risk
Mgt
Mgt
Mgt
Mgt
Mgt
Management
GENERA!_
BUILDING CONTRUCTION SERVICES -
WC1
WC1
WC1
WC2
WC3
CONTRACTORS
USING SUB -CONTRACTORS, INCLUDES
GL1
GL1
GL1
GL2
GL3
Refer to
CONSTRUCTION OF PARKING LOTS
VL1
VL1
VL1
VL2
VL3
Risk
GLXCU
GLXCU
GLXCU
GLXCU
GLXCU
Management
NEW CONSTRUCTION
BR1
BR1
BR1
BR1
BR1
RENOVATIONS THAT INVOLVES THE
BR2
BR2
BR2
BR2
BR2
STRUCTURAL INTEFRITY OF THE
BUILDING
PARKS R RECREATION
CONSTRUCTION OF PARKS AND
WC1
WC1
WC1
WC2
WC3
Refer to
AREA CONSTRUCTION
PUBLIC RECREATION AREAS
GL1
GL1
GL1
GL2
GL3
Risk
VL1
VL1
VL1
VL2
VL3
Management
ROAD CONSTRUCTION
OR UNDERGROUND WORK SUCH AAS
WC1
WC1
WC1
WC2
WC3
Refer to
INVOLVING
ROAD CONSTRUCTION, WATER AND
GL1
GL1
GL1
GL2
GL3
Risk
EXCAVATIONS,
SEWER LINE INSTALLATION,
VL1
VL1
VL1
VL2
VL3
Management
CULVERTS, ETC.
TUNNELING CULVERTS, ETC.
GLXCU
GLXCU
GLXCU
GLXCU
GLXCU
INCLUDE "CCS" INDEMNIFICATION AND HOLD HARMLESS AGREEMENT IN CONTRACT
QUESTIONS SHOULD BE DIRECTED TO FRISK MANAGEMENT,
Administration Instruction
12
2011 Edition
MONROE COUNTY, FLORIDA
RISK MANAGEMENT
POLICY AND PROCEDURES
CONTRACT ADMINISTRATION
MANUAL
Introduction
to
Other Contractors and Subcontractors
Section
This section of the manual will apply to vendors and Contractors supplying goods or services to
the County which are not in connection with a construction project. The insurance requirements
for Agreements/Contracts which supply goods or services associated with construction projects
should be governed by the Construction Contractors section of this manual. The types and
amounts of insurance will be determined based on the type of service or goods provided and the
projected payment to the vendor. The fact that the funds used to pay for the goods or services
were obtained from Federal, State, or other grants is not material.
A special matrix of for this section has been developed to assist in the establishment of the
proper insurance coverages and limits.
As a general rule, all agreements will include as a minimum:
Indemnification and Hold Harmless Provisions
• General Insurance Requirements
• workers' Compensation Provisions
• General Liability Provisions
and
• vehicle Liability Provisions
Questions should be directed to Risk Management.
Administration Instruction
13
2011 Edition
RISK MANAGEMENT
POLICY .AND PROCEDURES
CONTRACT ADMINISTRATION
MANUAL
General Insurance Requirements
for
Other Contractors and Subcontractors
As a pre -requisite of the work governed, or the goods supplied under this contract (including the
pre -staging of personnel and material), the Contractor shall obtain, at his/her own expense,
insurance as specified in any attached schedules, which are made part of this contract. The
Contractor will ensure that the insurance obtained will extend protection to all Subcontractors
engaged by the Contractor. As an alternative, the Contractor may require all Subcontractors to
obtain insurance consistent with the attached schedules.
The Contractor will not be permitted to commence work governed by this contract (including
pre -staging of personnel and material) until satisfactory evidence of the required insurance has
been furnished to the County as specified below. Delays in the commencement of work,
resulting from the failure of the Contractor to provide satisfactory evidence of the required
insurance, shall not extend deadlines specified in this contract and any penalties and failure to
perform assessments shall be imposed as if the work commenced on the specified date and time,
except for the Contractor's failure to provide satisfactory evidence.
The Contractor shall maintain the required insurance throughout the entire term of this contract
and any extensions specified in the attached schedules. Failure to comply with this provision
may result in the immediate suspension of all work until the required insurance has been
reinstated or replaced. Delays in the completion of work resulting from the failure of the
Contractor to maintain the required insurance shall not extend deadlines specified in this contract
and any penalties and failure to perform assessments shall be imposed as if the work had not
been suspended, except for the Contractor's failure to maintain the required insurance.
The Contractor will be held responsible for all deductibles and self insured retentions that
may be contained in the Contractor's Insurance policies.
The Contractor shall provide, to the County, as satisfactory evidence of the required insurance,
either:
0 Certificate of Insurance
or
A Certified copy of the actual insurance policy.
The County, at its sole option, has the right to request a certified copy of any or all insurance
policies required by this contract.
All insurance policies must specify that they are not subject to cancellation, non -renewal,
material change, or reduction in coverage unless a minimum of thirty (30) days prior notification
is given to the County by the insurer.
Administration Instruction
14
2011 Edition
The acceptance and/or approval of the Contractor's insurance shall not be construed as relieving
the Contractor from any liability or obligation assumed under this contract or imposed by law,
The Monroe County Board of County Commissioners, its employees and officials will be
included as "Additional Insured" on all policies, except for workers' Compensation.
Any deviations from these General Insurance Requirements must be requested in writing on the
County prepared form entitled "bequest for waiver of Insurance requirements" and
approved by Monroe County Disk Management.
Administration Instruction
15
2011 Edition
MONROE COUNTY, FLORIDA
SCHEDULE OF INSURANCE REQUIREMENTS
FOR
OTHER CONTRACTORS AND SUBCONTRACTORS
CONTRACT
DESCRIPTION OF
Under
$10,001
$50,001
$100,0LO
$600,001
Over
TYPE
WORK
$10000
to $50000
to $109 t?CiQ
to $5�U
to $1 MIIIIon
$1 MIIIIon
ASBESTOS
ENCAPSULATING, REMOVING OR
WC1
WC1
WC1
WC2
WC3
Refer to
REMOVAL
TESTING FOR ASBESTOS
GL1
GL1
GL1
GL2
GL3
Risk
VL1
VL1
VL1
VL2
VL2
Management
ASB
ASB
ASB
ASB
ASB
CONSULTING
PROVIDE PROFESSIONAL SERVICES, BOTH
WC1
WC1
WC1
WC2
WC3
Refer to
SERVICES
ON AND OFF SITE SUCH AS MANAGEMENT
GL1
GL1
GL1
GL2
GL3
Risk
AND FINANCIAL CONSULTANTS,
VL1
VL1
VL1
VL2
VL3
Management
INCLUDES SERVICES OF A PROFESSIONAL
PRO1
PRO1
PRO1
PRO2
PR03
NATURE WHETHER LICENSED OR NOT
DELIVERIES
DELIVERY, LOADING AND UNLOADING
WC1
WC1
WC1
WC1
WC1
Refer to
OF HEAVY EQUIPMENT OR
GL1
GL1
GL1
GL2
GL3
Risk
MACHINERY REQUIRING
VL1
VL1
VL1
VL2
VL3
Management
CRANES OR RIGGING
IF
IF
IF
IF
IF
MVC
MVC
MVC
MVC
MVC
DELIVERIES
DELIVERY, LOADING AND UNLOADING
WC1
WC1
WC1
WC2
WC2
Refer to
OF OTHER GOODS, SUCH AS OFFICE
GL1
GL1
GL1
GL2
GL2
Risk
SUPPLIES, AND LOW VALUED
VL1
VL1
VL2
VL2
VL2
Management
EQUIPMENT
MVC
MVC
MVC
MVC
MVC
DERELICT
REMOVING SUNKEN AND DERELICT
GL1
GL1
GL1
GL1
GL2
Refer to
VESSEL
VESSELS FROM WATERS IN
VL1
VL1
VL1
VL2
VL3
Risk
RECOVERY
OR AROUND THE COUNTY
WCJA
WCJA
WCJA
WCJA
WCJA
Management
WL1
WL1
WL1
WL1
WL2
POL1
POL1
POL1
POL1
POL1
ELECTRICAL
LICENSED ELECTRICAL CONTRACTORS
WC1
WC1
WC1
WC2
WC2
Refer to
CONTRACTORS
PROVIDING EITHER MAINTENANCE
GL1
GL1
GL1
GL2
GL2
Risk
OR INSTALATION SERVICES
VL1
VL1
VL1
VL1
VL2
Management
FOR THE COUNTY
ENVIRONMENTAL
CONTRACTORS ENGAGED IN THE TESTING
WC1
WC1
WC1
WC1
WC1
Refer to
CONTRACTORS
OR MONITORING OF SOIL, WATER OR AIR
GL1
GL1
GL1
GL1
GL1
Risk
VL1
VL1
VL1
VL1
VL1
Management
POL2
POL2
POL2
POL2
POL2
FOOD SERVICES
PROVIDING FOOD SERVICES TO THE
WC1
WC1
WC1
WC1
WC2
Refer to
ELDERLY AND OTHER CITIZENS
GL1
GL1
GL1
GL2
GL2
Risk
VL1
VL1
VL1
VL1
VL2
Management
FUEL
DELIVERY, LOADING AND UNLOADING
WC1
WC1
WC1
WC2
WC2
Refer to
DELIVERIES
OF TOXIC OR HAZARDOUS
GL1
GL1
GL1
GL2
GL3
Risk
SUBSTANCES SUCH AS OIL.,
VL1
VL1
VL1
VL2
VL3
Management
GASOLINE, CHLORINE, OTHER
VLP1
VLP1
VLP1
VLP2
VLP3
CHEMICALS
MVC
MVC
MVC
MVC
MVC
MCS
MCS
MCS
MCS
MCS
GARBAGE COLLECTION
RESIDENTUAL AND COMMERCIAL
WC1
WC1
WC1
WC1
WC1
Refer to
(SOLID WASTE)
GARBAGE COLLECTION
GL1
GL1
GL1
GL2
GL2
Risk
VL2
VL2
VL2
VL3
VL3
Management
POL2
POL2
POL2
POL2
POL2
HOUSEHOLD
ORGANIZATIONS RESPONSIBLE FOR
WC1
WC1
WC1
WC1
WC1
Refer to
HAZARDOUS WASTE
RECEIVING AND DISPOSING OF PAINTS, OILS,
GL1
GL1
GL1
GL2
GL2
Risk
DISPOSAL
AND SOLVENTS FROM COUNTY RESIDENTS
VL1
VL2
VL2
VL3
VL3
Management
POL2
POL2
POL2
POL2
POL2
INSTALLATION AND
INSTALLATION NOT IN A PUBLIC
WC1
WC1
WC1
WC2
WC3
Refer to
MAINTENANCE -
BUILDING SUCH AS FENCING,
GL1
GL1
GL1
GL2
GL3
Risk
OUTSIDE
LANDSCAPING TREES ETC
VL1
VL1
VL1
VL2
VL3
Mang ement
INSTRUMENT TESTING
THE TESTING AND CALIBRATION OF FIRE,
WC1
WC1
WC1
WC2
WC1
Refer to
AND CALIBRATION
MEDICAL AND BIO-MEDICAL EQUIPMENT
GL2
GL2
GL2
GL3
GL3
Risk
VL1
VL1
VL1
VL2
VL3
Management
JANITORIAL SERVICES
CLEANING COUNTY BUILDINGS
WC1
WC1
WC1
WC2
WC2
Refer to
(WITH OR) WITHOUT COUNTY
VL1
VL1
VL1
VL2
VL2
Risk
SUPERVISION
ED1
ED1
ED1
ED2
ED2
Management
GL1
GL1
GL1
GL2
GL2
LAB TESTING
GENERAL LAB TESTING
GL1
GL1
GL1
GL2
GL3
Refer to
VL1
VL1
VL1
VL2
VL3
Risk
PRO1
PRO1
PRO1
PR02
PRO3
Management
WC1
WC1
WC1
WC1
WC1
LANDSCAPING
CLEARING LOTS, MOWING,
GL1
GL1
GL1
GL1
GL2
Risk
SHRUBBERY WORK, ETC
VL1
VL1
VL1
VL2
VL3
Management
WC1
WC1
WC1
WC1
WC1
Refer to
MARINE
SERVICES INVOLVING THE MASTER OR
GL1
GL1
GL1
GL1
GL2
Refer to
CONTRACTORS
CREW OF ANY OCEAN GOING
VL1
VL1
VL1
VL2
VL3
Risk
VESSEL
WCJA
WCJA
WCJA
WCJA
WCJA
Management
WL1
WL1
WL1
WL1
WL2
Administration Instruction
16
2_0I I Edition
MONROE COUNTY, FLORIDA
SCHEDULE OF INSURANCE REQUIREMENTS
FOR
OTHER CONTRACTORS ANC SUBCONTRACTORS
CONTRACT
DESCRIPTION OF
Under
$10,001
$50,001
$100,001
$600,001
Over
TYPE
WORK
$10 p00
t❑ $50 000
t❑ $100 000
TO $500 000
TO $t Mllllon
$t Mllllon
MEDICAL
PROVIDING MEDICAL AND PSYCHIATRIC
WC1
WC1
WC1
WC2
WC3
Refer t❑
SERVICES
SERVICES TO CITIZENS, EMPLOYEES,
GLI
GLI
GLI
GL2
GL3
Risk
EMPLOYEE APPLICANTS, DRUG TESTING
VLt
VLt
VLX
VL2
VL3
Management
& PHYSIOLOGICAL TESTING OF EMPLOYEES
MEDI
MEDI
MED2
MED3
MED4
ON -SITE SERVICES
PROVIDING SPECIALIZED SERVICES
WC1
WC1
WC1
WC2
WC3
Refer to
AND TEMPORARY HELP WHERE
GLI
GLI
GLI
GL2
GL3
Risk
CONTRACTOR'S EMPLOYEES WORK ON
VLt
VLt
VLt
VL2
VL3
Management
COUNTY PROPERTY, USING COUNTY
EDI
EDI
EDI
ED2
ED2
EQUIPMENT AND UNDER COUNTY SUPER-
VISION FOR EXTENDED PERIODS (NOT
INDIVIDUAL EMPLOYMENT CONTRACTS
PARKING LOT
FIRMS ENGAGED IN OPERATING PARKING
WC1
WC1
WC1
WC2
WC3
Refer t❑
OPERATIONS
FACILITIES ON COUNTY OWNED PROPERTY
GLI
GLI
GLI
GL2
GL3
Risk
VLt
VLt
VLt
VL2
VL3
Management
GKI
GKI
GKI
GK2
GK3
PEST
FIRMS ENGAGED IN THE ELIMINATION BUGS,
WC1
WC1
WC2
WC2
WC2
Refer t❑
CONTROL
RODENTS, AND SIMILAR ANIMALS,
GLI
GLI
GL2
GL2
GL3
Risk
VLt
VLt
VL2
VL2
VL3
Management
POLL
POLL
POLL
POLL
POL2
REFUSE PICKUP
FROM COUNTY BUILDINGS, PRIVATE
WC1
WC1
WC1
WC2
WC3
Refer t❑
RESIDENCES, PUBLIC STREETS AND
GLI
GLI
GLI
GL2
GL3
Risk
PARKS AND INCLUDES SOLID WASTE,
VL2
VL2
VL2
VL2
VL3
Management
SEWAGE & OTHER HAZARDOUS MATERIALS
POL.2
POL2
POLL
POL2
POL3
REPAIRSIMAINT,
REPAIRSIMAINTENNANCE TO COUNTY -OWNED
WC1
WC1
WC1
WC2
WC3
Refer t❑
EQUIPMENT IN COUNTY BUILDINGS, SUCH
GLI
GLI
GLI
GL2
GL3
Risk
AS OFFICE MACHINES, COPIERS,
VLt
VLt
VLt
VL2
VL3
Management
FIRE EXTINGUISHERS ETC
REPAIRS, OUTSIDE
REPAIRS TO COUNTY -OWNED EQUIP-
WC1
WC1
WC1
WC2
WC3
Refer t❑
MENT AT CONTRACTOR'S SITE, SUCH
GLI
GLI
GLI
GL2
GL3
Risk
AS RADIO AND COMMUNICATION
VLt
VLt
VLt
VL2
VL3
Management
EQUIPMENT, PUMPS MOTORS
BLL
BLL
BLL
BLL
BLL
ROAD OR RIGHT OF WAY
WORK ON COUNTY ROADS AND
WC2
WC2
WC2
WC3
WC3
Refer t❑
MAINTENANCE
RIGHT OF WAYS WHICH AFFECTS PUBLIC
GL2
GL2
GL2
GL3
GL3
Risk
NOT INVOLVING
TRAFFIC (BOTH VEHICLE AND PEDESTRIAN)
VL2
VL2
VL2
VL3
VL3
Management
EXCAVATIONS
SEAWALLJMARINE
ORGANIZATIONS ENGAGED TO
WC1
WC1
WC1
WC1
WCI
Refer t❑
DOCK
MAINTAIN OR REBUILD
GLI
GLI
GLI
GLI
GL2
Risk
MAINTENANCE
COUNTY OWNED
VLt
VLt
VLt
VL2
VL2
Management
SEAWALLS OR MARINE DOCKS
WCUSLH
WCUSLH
WCUSLH
WCUSLH
WCUSLH
SECURITY
ORGANIZATIONS ENGAGED IN THE
WC1
WC1
WC1
WC2
WC3
Refer t❑
SERVICES
PROVIDING OF GUARD AND OTHER
GLI
GLI
GL2
GL2
GL3
Risk
SECURITY SERVICES
GLS
GLS
GLS
GLS
GLS
Management
VLt
VLt
VLt
VL2
VL3
SERVICE AND
SERVICE AND DELIVERIES OF NUN OWNED
WC1
WC1
WC1
WC1
WC1
Refer t❑
DELIVERIES OF ITEMS
COUNTY PROPERTY SUCH AS VENDING
GLI
GLI
GLI
GLI
GLI
Risk
NOT OWNED BY COUNTY
MACHINES ATMS AND OTHER SIMILAR ITEMS
VLt
VLt
VLt
VLt
VLt
Management
SHIP REPAIR
REPAIR OR CONSTRUCTTON
WC1
WC1
WC1
WC2
WC3
Refer to
OR
OF COUNTY OWNED
GLI
GLI
GLI
GL2
GL2
Risk
CONSTRUCTION
WATERCRAFT
VLt
VLt
VLt
VL2
VL2
Management
TRADESIMAINT.
TRADE SERVICES ON OR OFF COUNTY
WC1
WC1
WC2
WC2
WC3
Refer t❑
SERVICES
PROPERTY SUCH AS EXTERMINATORS
GLI
GLI
GL2
GL2
GL3
Risk
CARPET INSTALLATION, WINDOW
VLt
VLt
VL2
VL2
VL3
Management
CLEANING, ELEVATOR REPAIR,
ROOFING AND PAINTING
TRADESIMAINT.
TRADE SERVICES ON OR OFF
WC1
WC1
WC1
WC2
WC3
Refer to
SERVICES
PUBLIC PROPERTY SUCH AS AUTO
GLI
GLI
GLI
GL2
GL3
Risk
INVOLVING VEHICLES
GLASS REPLACEMENT, TIRE
VLt
VLt
VLt
VL2
VL3
Management
REPAIRS, ETC
GKI
GKI
GKI
GK2
GK3
TRANSPORTATION
PROVIDING TRANSPORTATION FOR
WC1
WC1
WC1
WC2
WC3
Refer to
EITHER COUNTY EMPLOYEES OR
GLI
GLI
GLI
GL2
GL3
Risk
NUN -COUNTY EMPLOYEES TO INCLUDE
VL2
VL2
VL2
VL3
VL3
Management
TRANSPORTING THE ELDERLY,
AND MENTALLY RETARDED.
VEHICLE SERVICES
SERVICES PERFORMED AT CONTRACTOR'S
WC1
WC1
WC1
WC2
WC3
Referto
SHOP ON COUNTY VEHICLES, SUCH AS
GLI
GLI
GLI
GL2
GL3
Risk
PAINTING, BODY WORK. MECHANICAL,
VLt
VLt
VLt
VL2
VL3
Management
ETC. & INCLUDES MODIFICATION TO
GKI
GKI
GKI
GK2
GK3
EMERGENCY VEHICLES
Administration Instruction
17
2011 Edition
MONROE COUNTY, FLORIDA
SCHEDULE OF INSURANCE REQUIREMENTS
FOR
OTHER CONTRACTORS AND SUBCONTRACTORS
CONTRACT
TYPE
DESCRIPTION OF
WORK
Under
$1 Op DDO
$10,001
To $60 000
$50,001
to $100 DDO
$100,001
TO $540,
$500,001
TO $1 Million
Over
$1 Million
WASTE HAUL OUT
THE TRANSPORTATION OF WASTE FROM THE
WC1
WC1
WC2
WC2
WC3
Refer to
COUNTY
GL1
GL1
GL1
GL2
GL2
Risk
VL2
VL2
VL2
VL3
VL3
Management
POL1
POL1
POL1
POL2
POL2
WASTE PROCESSING
OPERATIONS AND MAINTENANCE OF THE
WC2
WC2
WC2
WC2
WC3
WC3
PLANT OPERATIONS
COUNTY'S WASTE PROCESSING FACILITIES
GL4
GL4
GL4
GL4
GL4
GL4
VL2
VL2
VL2
VL2
VL2
VL2
ARP
ARP
ARP
ARP
ARP
ARP
INCLUDE "OCS" INDEMNIFICATION AND HOLD HARMLESS AGREEMENT IN CONTRACT
QUESTIONS SHOULD BE DIRECTED TO RISK MANAGEMENT.
Administration Instruction
18
2011 Edition
RISK MANAGLMIENT
POLICY AND PROCEDURES
CONTRACT ADMINISTRATION
MANUAL
Introduction
to
Public Welfare and Special Events
Section
This section of the manual will apply to Sponsors of Special Events which will be attended by
the general public. They normally involve the gathering of large segments of the general public
and often include ultra -hazardous activities. They may be sponsored by private industry,
associations, non profit organizations or funded by the County through the Tourist Development
Council. The types and amounts of insurance will be determined based on the nature of the
event and the activities associated with the event. Depending on the event and its sponsor,
certain insurance requirements may be waived. The specially developed matrix which is
incorporated within this section should be consulted.
Questions should be directed to Risk Management.
Administration Instruction
19
2011 Edition
MONROE COUNTY, FLORIDA
RISK MANAGEM ENT
POLICY AND PROCEDURES
CONTRACT ADMINISTRATION
MANUAL
General Insurance Requirements
for
Public welfare and Special Events
As a pre -requisite of the Special Event governed by this permit or agreement, the
Promoter shall obtain, at his/her own expense, insurance as specified in the attached
schedules.
The Promoter will not be permitted to commence work associated with the Special Event
(including pre -staging of personnel and material) until satisfactory evidence of the
required insurance has been furnished to the County as specified below. The Promoter
shall maintain the required insurance throughout the entire duration of the Special Event
and any extensions specified in any attached schedules. Failure to comply with this
provision may result in the immediate suspension of the Special Event until the required
insurance has been reinstated or replaced.
The Promoter will be held responsible for all deductibles and self insured retentions that
may be contained in the Promoter's Insurance policies.
The Promoter shall provide, to the County, as satisfactory evidence of the required
insurance, either:
Certificate of Insurance
or
A Certified copy of the actual insurance policy.
The County, at its sale option, has the right to request a certified copy of any or all
insurance policies required by this contract.
All insurance policies must specify that they are not subject to cancellation, non -renewal,
material change, or reduction in coverage unless a minimum of thirty (30) days prior
notification is given to the County by the insurer.
The acceptance and/or approval of the Promoter's insurance shall not be construed as
relieving the Promoter from any liability or obligation assumed under this contract or
imposed by law.
The Monroe County Board of County Commissioners its employees and officials will be
included as "Additional Insured" on all policies, except for Workers' Compensation.
Administration Instruction
20
2011 Edition
Any deviations from these General Insurance Requirements must he requested in writing
on the County prepared form entitled "Request for Wainer of Insurance
Requirements" and approved by Monroe County Risk. Management,
Administration Instruction
21
2011 Edition
MONROE COUNTY, FLORIDA
SCHEDULE OF INSURANCE REQUIREMENTS
FOR
PUBLIC WELFARE
AND
SPECIAL EVENTS
Description of
Examples of
Required
Activities
Events
Insurance or
Forms
Assistance to
Soup Kitchens,
PWSE
the Needy
Shelters
Circus
Commercial Ventures
WC2
with Animals and
GL3
Hi h Risk Acts
VL2
Concerts/
Rack Concerts and
GL2
Performers
Other Events Providing
VL2
Entertainment to
MUS
the General Public
Public Service and
Non Profit Organizations
providing Care of Life
Counseling
Counseling such as
PWSE
Health & Medical
Substance Abuse, Job
Training, and Senior
Citizen Programs,
Drug & Alcohol Support
& Public Immunization
Inter -Governmental
Agreements with other
Agreements
State governm ental
l NTL
Agencies
Fireworks
Displays On or Off
GL3
County Property which
Require Permits
Administration Instruction
22
2011 Edition
MONROE COUNTY, FLORIDA
SCHEDULE OF INSURANCE REQUIREMENTS
FOR
PUBLIC WELFARE
AND
SPECIAL EVENTS
Descriptlon of
Examples of
Required
Activities
Events
Insurance or
Farms
Handicapped and
Special Olympics and
PWSE
the Disabled
Goodwill
Events
Interlocal
Agreements with and
Agrem ents
between
I NTL
Governmental
Agencies
Liqour Sales
the sale of l igou r.
Required insurance is
GLLIQ
in
addition to those
specified
under the activitv
Local events
Triathalons, Beach or
PWSE
funded by the
Summer Fests, and
Tourist
Festivals
Development
Council
WC2, GL3, V1 2
Movie/TV
Productions
If aircraft or
Productions
Utilizing
watercraft are
County Property
involved refer to Risk
Management
National Major
Activities such as
WC3
Events
Power Boat Races
GL3
Funded by
V1 2
the Tourist
Development
Council
Political
Party
PWSE
Conventions
Public
N,O,W.; Aids
Interest
Awarness
PWSE
Racial/Ethnic Groups
AARP
Organized
Motor Car and
Refer to
Racing
Watercraft Re ttas
Risk Management
Organized Sporting
Football, Baseball and
Refer to
Events
All Profesionnal Sports
Risk Management
Parades
Any Event Requiring
PWSE
a County Parade
Perm it
INCLUDE "PWSE" INDEMNIFICATION AND HOLD HARMLESS AGREEMENT IN CONTRACT
QUESTIONS SHOULD BE DIRECTED TO RISK MANAGEMENT.
Administration Instruction
23
2011 Edition
MONROE COUNTY, FLORIDA
RISK MANAGEMENT
POLICY AND PROCEDURES
CONTRACT ADMINISTRATION
MANUAL
Introduction
to
Airport/Aircraft Activities
Section
This section of the manual will apply to those activities which are associated with, or conducted
at the County's Airports, or involve Aircraft Activities. The types and amounts of insurance will
be determined based on the type of activity and its projected cost. The fact that the funds used to
pay for the activity were obtained from Federal, State, or other grants is not material.
The insurance provisions for construction pro'ects at the Airports will be.governed b the section
of this manual entitled Construction Contractors and Subcontractors.
A special matrix of activities has been developed and incorporated within this section to assist in
the establishment of the proper insurance coverages and limits.
As a general rule, all contracts will include:
• Indemnification and Hold Harmless Provisions
• General Insurance Requirements
• workers' Compensation Provisions
• General Liability Provisions
• Vehicle Liability Provisions
and
• Airport or Aircraft Liability Provisions
Questions should be directed to Risk Management.
Administration Instruction
24
20I I Edition
MONROE COUNTY, FLORIDA
RISK MANAGEMENT
POLICY AND PROCEDURES
CONTRACT ADMINISTRATION
MANUAL
General Insurance Requirements
for
Airport/Aircraft Activities
Prior to the commencement of work governed by this contract (including the pre -staging of
g g
personnel and material), the Vendor shall obtain, at his/her own expense, insurance as specified
in the attached schedules, which are made part of this contract. The Vendor will ensure that the
insurance obtained will extend protection to all Contractors engaged by the Vendor.
The Vendor will not be permitted to commence work governed by this contract (including p re-
staging of personnel and material) until satisfactory evidence of the required insurance has been
furnished to the County as specified below.
The Vendor shall maintain the required insurance throughout the entire terra of this contract and
any extensions specified in any attached schedules. Failure to comply with this provision may
result in the immediate suspension of all activities conducted by the Vendor and its Contractors
until the required insurance has been reinstated or replaced.
The Contractor will be held responsible for all deductibles and self insured retentions that
may be contained in the Contractor's Insurance policies.
The Vendor shall provide, to the County, as satisfactory evidence of the required insurance,
either:
• Certificate of Insurance
or
• A Certified copy of the actual insurance policy
The County, at its sole option, has the right to request a certified copy of any or all insurance
policies required by this contract.
All insurance policies must specify that they are not subject to cancellation, non -renewal,
material change, or reduction in coverage unless a minimum of thirty (30) days prior notification
is given to the County by the insurer.
The acceptance and/or approval of the Vendor's insurance shall not be construed as relieving the
Vendor from any liability or obligation assumed under this contract or imposed by law.
The Monroe County Board of County Commissioners, its employees and officials will be
included as "Additional Insured" on all policies, except for workers` Compensation.
Any deviations from these General Insurance Requirements must be requested in writing on the
County prepared foram entitled "Request for Waiver of Insurance Requirements" and
approved by Monroe County Risk Management.
Administration Instruction
25
'10I I Edition
MONROE COUNTY, FLORIDA
SCHEDULE OF INSURANCE REQUIREMENTS
FOR
AIRPORT ACTIVITIES
CONTRACT
DESCRIPTION OF
Under _
$10 001
$50 001
$100 001
$500 001
Over
TYPE
WORK
$10 000
to $50$000
to $100 �
to $5
to $1 Million
$1 Million
EVENTS UTILIZING
WC3
WC3
WC3
WC3
WC3
Refer to
AIR SHOWS
COUNTY AIRFIELDS
GL3
GL3
GL3
GL3
GL3
Risk
OR AIRPORTS
VL2
VL2
VL2
VL2
VL3
Management
AIR1
AIR1
AIR1
AIR1
AIR2
COMMERCIAL AIRLINES WITH
WC3
WC3
WC3
WC3
WC3
VLWC3
AIRLINES
SCHEDULED SERVICE TO COUNTY
GL3
GL3
GL3
GL3
GL3
GL3
OWNED AIRFIELDS
VL3
VL3
VL3
VL3
VL3
VL3
AIR3
AIR3
AIR3
AIR3
AIR3
AIR3
AVIATION
NON PROFIT ORGANIZATIONS WHO
AIR1
AIR1
AIR1
AIR1
AIR1
AIR1
CLUBS
JOINTLY OWN AND OPERATE
GL1
GL1
GL1
GL1
GL1
GL1
AIRCRAFT FOR PLEASURE
ASBESTOS
ENCAPSULATING, REMOVING OR
WC1
WC1
WC1
WC2
WC3
REMOVAL
TESTING FOR ASBESTOS
GL1
GL1
GL1
GL2
GL3
Refer to
VL1
VL1
VL1
VL2
VL2
Risk
ASB
ASB
ASB
ASB
ASB
Mana ement
CAR RENTAL
ORGANIZATIONS ENGAGED IN THE
WC3
WC3
WC3
WC3
WC3
WC3
FIRMS
RENTING OR LEASING OF VEHICLES TO
GL3
GL3
GL3
GL3
GL3
GL3
THE GENERAL PUBLIC
VL3
VL3
VL3
VL3
VL3
VL3
DELIVERY, LOADING AND UNLOADING
WC1
WC1
WC1
WC2
WC2
Refer to
DELIVERIES
OF HEAVY EQUIPMENT OR
GL1
GL1
GL1
GL2
GL3
Risk
MACHINERY REQUIRING
VL1
VL1
VL2
VL2
VL3
Management
CRANES OR RIGGING
IF
IF
IF
IF
IF
DELIVERY, LOADING AND UNLOADING
WC1
WC1
WC1
WC2
WC2
Refer to
DELIVERIES
OF OTHER GOODS, SUCH AS OFFICE
GL1
GL1
GL1
GL2
GL2
Risk
SUPPLIES, AND LOW VALUED
VL1
VL1
VL2
VL2
VL2
Management
EQUIPMENT
FIXED BASE
ORGANIZATIONS ENGAGED IN THE
WC3
WC3
WC3
W04
W04
WC4
OPERATORS
REPAIR, SERVICING, MAINTENANCE,
GL4
GL4
GL4
GL4
GL4
GL4
FUELING AND
VL4
VL4
VL4
VL3
VL3
VL3
TIE -DOWN OF AIRCRAFT
HKL4
HKL4
HKL4
HKL4
HKL4
HKL4
IF FBO MAINTAINS FUEL TANKS
UST
UST
UST
UST
UST
UST
FOOD SERVICES
RESTAURANT AND
WC1
WC1
WC1
WC2
WC2
Refer to
LIQOUR LOUNGES
GL1
GL1
GL1
GL2
GL2
RisK
VL1
VL1
VL1
VL1
VL1
Management
GLLIQ
GLLIQ
GLLIQ
GLLIQ
GLLIQ
DELIVERY, LOADING AND UNLOADING
DELIVERIES
OF TOXIC OR HAZARDOUS
WC1
WC1
WC1
WC1
WC1
SUBSTANCES SUCH AS OIL,
GL1
GL1
GL1
GL2
GL3
Refer to
GASOLINE, CHLORINE, & OTHER
VL1
VL1
VL1
VL2
VL3
Risk
CHEMICALS
VLP1
VLP1
VLP1
VLP2
VLP3
Management
MVC
MVC
MVC
MVC
MVC
DELIVERIES
DELIVERY, LOARDING OR UNLOADING
OF OTHER GOODS, SUCH AS OFFICE
WC2
WC2
WC2
WC2
WC2
WC2
SUPPLIES, AND LOW VALUED
GL2
GL2
GL2
GL2
GL2
GL2
EQUIPMENT
VL1
VL1
VL1
VL1
VL1
VL1
GIFT SHOPS
ORGANIZATIONS ENGAGED IN THE
WC2
WC2
WC2
WC2
WC2
WC2
SALE OF MERCHANDISE TO THE
GL2
GL2
GL2
GL2
GL2
GL2
GENERA. PUBLIC. DOES NOT INCLUDE
VL2
VL2
VL2
VL2
VL2
VL2
RESTURANTS AND LOUNGES.
GENERAL GROUND
ORGANIZATIONS ENGAGED IN THE
WC1
WC1
WC1
WC1
WC1
Refer to
MAINTENANCE
GENERAL MAINTENANCE OF AIRPORT
GL1
GL1
GL2
GL2
GL3
Risk
GROUNDS TO INCLUDE CUTTING OF
VL1
VL1
VL2
VL2
VL3
Management
GRASS PAINTING OF BUILDINGS ETC.
Administration Instruction
26
2011 Edition
MONROE COUNTY, FLORIDA
SCHEDULE OF INSURANCE REQUIREMENTS
FOR
AIRPORT ACTIVITIES
CONTRACT
DESCRIPTION OF
Under
$10,001
$50,001
$100,001
$500,001
Over
TYPE
WORK
$1❑ w
to $500
to $100 000
to $500 qDQ
to $1 Mllllon
$1 Million
HANGER
CORPORATIONS OR INDIVIDUALS WHO
GL1
GL1
GL1
GL1
GL1
GL1
LEASE
LEASE LAND FOR HANGER SPACE
DIRECTLY FROM THE COUNTY
JANITORIAL
(WITH OR) WITHOUT COUNTY
WC1
WC1
WC1
WC1
WC1
Refer to
SERVICES
SUPERVISION
VL1
VL1
VL1
VI-2
VI-2
Risk
ED1
ED1
ED1
ED2
ED2
Management
GL1
GL1
GL1
GI-2
GI-2
LANDSCAPING
CLEARING LOTS, MOWING,
WC1
WC1
WC1
WC1
WC1
Refer to
SHRUBBERY WORK, ETC
GL1
GL1
GL1
GL1
GI-2
Risk
VL1
VL1
VL1
VI-2
VL3
Management
PARKING LOT
FIRMS ENGAGED IN OPERATING
WC1
WC1
WC1
WC2
WC3
Refer to
OPERATIONS
PARKING FACILITIES ON COUNTY
GL1
GL1
GL1
GI-2
GL3
Risk
PROPERTY
GK1
GK1
GK1
GK2
GK3
Management
REFUSE PICKUP
FROM COUNTY AIRPORTS AND
GL1
GL1
GL1
GI-2
GL3
Refer to
AIRFIELDS
VL1
VL1
VL1
VI-2
VL3
Risk
POL1
POL1
POL
POL2
POL3
Management
RUNWAY SERVICE
ORGANIZATIONS ENGAGED IN THE
AND MAINTENANCE
SERVICING OF RUNWAYS AND
ASSOCIATED EQUIPMENT TO INCLUDE
LIGHTS AND RADAR
WC1
WC1
WC1
WC1
WC1
WC1
CONTRACTS VALUED LESS THAN
GI-2
GI-2
GI-2
GI-2
GI-2
GI-2
$100, 000
VI-2
VI-2
V L2
VI-2
V L2
V L2
WC3
WC3
WC3
WC3
WC3
WC3
GL3
GL3
GL3
GL3
GL3
GL3
CONTRACTS VALUED MORE THAN
VL3
VL3
VL3
VL3
VL3
VL3
$100,000
SECURITY
ORGANIZATIONS ENGAGED IN THE
WC1
WC1
WC1
WC2
WC3
Refer to
SERVICES
PROVIDING OF GUARD AND OTHER
GL1
GL1
GI-2
GL3
GL3
Risk
SECURITY SERVICES
VL1
VL1
VI-2
VL3
VL3
Management
TRADE SERVICES ON OR OFF COUNTY
GLS
GLS
GLS
GLS
GLS
Refer to
TAX]/LIMO
PROVIDING TAX] AND/OR LIMO
WC1
WC1
WC1
WC1
WC1
WC1
SERVICE
SERVICE TO MEMBERS OF THE
GL1
GL1
GL1
GL1
GL1
GL1
GENERAL PUBLIC TO AND FROM
VL1
VL1
VL1
VL1
VL1
VL1
AIRPORT FACILITIES
TRADES/MAINT.
PROPERTY SUCH AS EXTERMINATORS
GL1 1
GL1
GI-2
GI-2
GL3
Refer tp
SERVICES
CARPET INSTALLATION, WINDOW
VL1
VL1
VI-2
VI-2
VL3
Risk
CLEANING, ELEVATOR REPAIR,
WC1
WC1
WC1
WC1
WC1
Management
ROOFING AND PAINTING
No
INCLUDE "AIR" INDEMNIFICATION AND HOLD HARMLESS AGREEMENT IN CONTRACT
QUESTIONS SHOULD BE DIRECTED TO FRISK MANAGEMENT.
Administration Instruction
27
2011 Edition
MONROE COUNTY, FLORIDA
RISK MANAGEMENT
POLICY AND PROCEDURES
CONTRACT ADMINISTRATION
MANUAL
Introduction
to
Lease of County -Owned
Property
This section of the manual will apply to Organizations/Individuals who lease, or operate
concessions in or on County -owned property. Included in this section are those
Organizations/Individuals who lease or rent County -owned vehicles.
As a general rule, all agreements will include as a minimum:
• Indemnification and Hold Harmless Provisions
• General Insurance Requirements
• All Risk Property Provisions
and
• General Liability Provisions
If a County -owned vehicle is leased or rented, Vehicle Liability Insurance will be required to
include physical damage coverage.
All agreements must incorporate the "PROP" Indemnification and Hold Harmless agreement.
Questions should be directed to Risk Management at (305) 292-4542.
Administration Instruction
28
201 1 Edition
MONROE COUNTY, FLORIDA
RISC. MANAGEMENT
POLICY AND PROCEDURES
CONTRACT ADMINISTRATION
MANUAL
General Insurance Requirements
for
Organizations/Individuals
Leasing County -Owned
Property
Prior to the Organization or Individual taking possession of the property owned by the County, or
commencing its concessionaire operations, the Organization/Individual shall obtain, at his/her
own expense, insurance as specified in the attached schedules, which are made part of this
lease/rental agreement.
The Organization/Individual will not be permitted to occupy or use the property until satisfactory
evidence of the required insurance has been furnished to the County as specified below.
The Organization/Individual shall maintain the required insurance throughout the entire term of
this lease/rental agreement and any extensions specified in the attached schedules. Failure to
comply with this provision may result in the immediate termination of the lease/rental agreement
and the return of all property owned by the County.
The Organ iation Individual will be held responsible for all deductibles and self insured
retentions that may be Contained in the Organization/Individual's Insurance policies.
The Organization/Individual shall provide, to the County, as satisfactory evidence of the required
insurance, either:
• Certificate of Insurance
or
• ,A Certified copy of the actual insurance policy.
The County, at its sole option, has the right to request a certified copy of any or all insurance
policies required by this Contract.
,All insurance policies must specify that they are not subject to Cancellation, non -renewal,
material change, or reduction in Coverage unless a minimum of thirty (30) days prior notification
is given to the County by the insurer.
The acceptance and/or approval of the Organization/Individual's insurance shall not be construed
as relieving the Organization/Individual from any liability or obligation assumed under this
contract or imposed by law.
The Monroe County Board of County Commissioners, will be included as ",Additional Insured"
on all policies. They will also be named as "Loss Payee" with respect to Fire Legal Exposure.
Administration instruction
29
2011 Edition
Any deviations from these General Insurance Requirements must be requested in writing on the
County prepared form entitled "Request for waiver of Insurance Requirements" and
approved by Monroe County Risk Management.
Administration Instruction
30
2011 Edition
ALL RISK PROPERTY
INSURANCE REQUIREMENTS
FOR
LEASES/RENTALS OF
COUNTY -OWNED PROPERTY
BETWEEN
MONROE COUNTY, FLORIDA
AND
Prior to the Organization/Individual taking possession of the property governed by this
lease/rental agreement, the Organization/Individual shall obtain All Risk Property Insurance (to
include the perils of Flood and Wind) With limits no less than the Replacement Cost Value of the
property leased or rented. Coverage shall be maintained throughout the life of the Lease/Rental
Agreement and include, as a minimum, liability coverage for:
Fire Li&ning Vandalism
S rinkler Leakage Sinkhole Collapse Falling objects
Windstorm Smoke Explosion
Civil Commotion Aircraft and Vehicle Damage Flood
The Monroe County Board of County Commissioners shall be named as Additional Insured and
Loss Payee on all policies issued to satisfy the above requirements.
Administration Instruction
31
2011 Edition
GENERAL LIABILITY
INSURANCE REQUIREMENTS
FOR
LEASE/RENTAL OF PROPERTY
OWNED BY THE COUNTY
BETWEEN
MONROE COUNTY, FLORIDA
AND
Prior to the OrganizationAndividual taking possession of the property governed by this
lease/rental agreement, the Organ izationJIndividual shall obtain General Liability Insurance.
Coverage shall be maintained throughout the life of the contract and include, as a minimum:
• Premises Operations
• Products and Completed Operations
• Blanket Contractual Liability
• Personal Injury Liability
• Expanded Definition of Property Damage
• Fire Legal Liability (with limits equal to the fair market value of the leased property.)
The minimum limits acceptable shall be:
$300,000 Combined Single Limit (CSL)
If split limits are prodded, the minimum limits acceptable shall be:
$100,000 per Person
$300,000 per Occurrence
$ 50,000 Property Damage
An Occurrence Form policy is preferred. If coverage is prodded on a Claims Made policy, its
provisions should include coverage for claims filed on or after the effective date of this contract.
In addition, the period for which claims may be reported should extend for a minimum of twelve
(12) months following the termination of the Lease/Rental Agreement.
The Monroe County Board of County Commissioners shall be named as Additional Insured on
all policies issued to satisfy the above requirements.
Administration Instruction
32
2011 Edition
VEHICLE LIABILITY
INSURANCE REQUIREMENTS
FOR
LEASES/RENTALS OF
COUNTY -OWNED PROPERTY
BETWEEN
MONROE COUNTY, FLORIDA.
AND
Prior to the Organization Individual taking possession of the property governed by this
lease/rental agreement, the Organization/Individual shall purchase Vehicle Liability
Insurance. Coverage shall be maintained throughout the life of the Lease/Rental
Agreement and include, as a minimum, liability coverage for:
Owned, Non -Owned, and Hired Vehicles
Physical Damage Protection (if the leased property is a County -owned
vehicle)
The minimum limits acceptable shall be:
$300,000 Combined Single Limit (CSL)
ACV for Physical Damage
If split limits are provided, the minimum limits acceptable shall be:
$ 100,000 per Person
$ 300,000 per Occurrence
$ 50,000 Property Damage
ACV for Physical Damage
The Monroe County Board of County Commissioners shall be named as Additional
Insured on all policies issued to satisfy the above requirements. In addition, if the
lease/rental agreement involves County -owned vehicles, the Monroe County Board of
County Commissioners shall be named as "Loss Payee" with respect to the physical
damage protection.
Administration Instruction
33
2011 Edition
ARCHITECTS ERRORS AND OMISSIONS
LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT
BETWEEN
MONROE COUNTY, FLORIDA
AND
Recognizing that the work governed by this contract involves the furnishing of architectural
services, the Contractor shall purchase and maintain, throughout the life of the contract,
Architects Errors and omissions Liability Insurance which will respond to damages resulting
from any claim arising out of the performance of professional services or any error or omission
of the Contractor arising out of work governed by this contract. This insurance shall be
maintained in force for a period of two years after the date of Substantial Completion of the
Project.
The minimum limits of liability shall be:
$250,000 per Occurrence/$500,000 Aggregate
AEO1
Administration Instruction
"[doff
34
2011 Edition
ARCHITECTS ERRORS AND OMISSIONS
LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT
BETWEEN
MONROE COUNTY, FLORIDA
AND
Recognizing that the work governed by this contract involves the furnishing of architectural
services, the Contractor shall purchase and maintain, throughout the life of the contract,
Architects Errors and Omissions Liability Insurance which will respond to damages resulting
from any claim arising out of the performance of professional services or any error or omission
of the Contractor arising out of work governed by this contract. This insurance shall be
maintained in force for a period of two years after the date of Substantial Completion of the
Project.
The minimum limits of liability shall be:
$500,000 per Occurrence/$1,000,000 aggregate
AEO2
Administration Instr-uctioll
35
2011 Edition
ARCHITECTS ERRORS AND OMISSIONS
LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT
BETWEEN
MONROE COUNTY, FLORIDA
AND
Recognizing that the work governed by this contract involves the furnishing of architectural
services, the Contractor shall purchase and maintain, throughout the life of the contract,
Architects Errors and omissions Liability Insurance which will respond to damages resulting
from any claim arising out of the performance of professional services or any error or omission
of the Contractor arising out of work governed by this contract. This insurance shall be
maintained in force for a period of two years after the date of Substantial Completion of the
Project.
The minimum limits of liability shall be:
$1,000,000 per Occurrence/$3,000,000 Aggregate
A E03
Administration Instruction
36
?0 11 Edition
ARCHITECTS ERRORS AND OMISSIONS
LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT
BETWEEN
MONROE COUNTY, FLORIDA
AND
Recognizing that the work governed by this contract involves the furnishing of architectural
services, the Contractor shall purchase and maintain, throughout the life of the contract,
Architects Errors and omissions Liability Insurance which will respond to damages resulting
from any claim arising out of the performance of professional services or any error or omission
of the Contractor arising out of work governed by this contract. This insurance shall be
maintained in force for a period of two years after the date of Substantial Completion of the
Project.
The minimum limits of liability shall be:
$3,000,000 per Occurrence/$5,000,000 Aggregate
AE04
Administration instruction
37
2011 Edition
AIRCRAFT LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT
BETWEEN
MONROE COUNTY, FLORIDA
AND
Recognizing that the Vendor is engaged in providing commercial air transportation and delivery
service to and from air facilities owned, operated, or maintained by the County, the Vendor shall
purchase and maintain, throughout the life of the contract, Aircraft and Airport Liability
Insurance which will respond to bodily injury and property damages resulting from any claim
arising out of the air transportation services governed by this contract.
The covered operations section of the policy must specifically state that the Vendor is engaged in
business of a commercial airline.
The Monroe County Board of County Commissioners must be named as Additional Insured.
The minimum limits of liability shall be $1 million per occurrence, for both types of coverages.
AIM
Administration Instruction
38
2011 Edition
AIRCRAFT LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT
BETWEEN
VIONROE COUNTY, FLORIDA
AND
Recognizing that the work governed by this contract involves the providing of aerial services,
normally classified as ultra -hazardous activities, the Contractor shall purchase and maintain,
throughout the life of the contract, Aircraft Liability Insurance specifically stating that the policy
will respond to crop dusting, banner towing, air shows, aerial inspection, or aerial photography,
or any other activity specified in the contract.
The Monroe County Board of County Commissioners shall be named as Additional Insured.
The minimum limits of liability shall be $5 million per occurrence.
AIR2
Administration Instruction
39
2011 Edition
AIRCRAFT LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT
BETWEEN
MONROE COUNTY, FLORIDA
AND
Recognizing that the work governed by this contract involves the providing of aerial services,
normally classified as ultra -hazardous activities, the Contractor shall purchase and maintain,
throughout the life of the contract, Aircraft Liability Insurance specifically stating that the policy
will respond to crop dusting, banner towing, air shows, aerial inspection, or aerial photography,
or any other activity specified in the contract.
The Monroe County Board of County Commissioners shall be named as Additional Insured.
The minimum limits of liability shall be $50 million per occurrence.
AIRS
Administration instruction
40
2011 Edition
ALL RISK PROPERTY
INSURANCE REQUIREMENTS
FOR
LEASES/RENTALS OF
COUNTY -OWNED PROPERTY
BETWEEN
MONROE COUNTY, FLORIDA
AND
Prior to the commencement of work governed by this contract, the Contactor shall obtain All
Disk Property Insurance (to include the perils of Flood and 'Wind) with limits no less than the
Replacement Cost value of the property leased or rented. Coverage shall be maintained
throughout the life of the contract and include, as a minimum, liability coverage for:
Fire Lightning vandalism
Sprinkler Leakage Sinkhole Collapse Falling objects
Windstorm Smoke Explosion
Civil Commotion Aircraft and vehicle Damage Flood
The Monroe County Board of County Commissioners shall be named as Additional Insured and
Loss Payee on all policies issued to satisfy the above requirements.
ARP
Administration Instruction
41
2011 Edition
ASBESTOS ABATEMENT LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT
BETWEEN
MONROE COUNTY, FLORIDA
AND
Recognizing that the work governed by this contract involves the installation, removal,
transporting, or disposal of asbestos material, the Contractor shall purchase and maintain
Asbestos Abatement Liability Insurance with limits no less than those specified for the General
Liability Insurance. The policy will contain a "Retroactive Date" of no later than the
commencement of work and will have an extended reporting period of four (4) years.
ASB
Administration Instruction
42
2011 Edition
BAILEE'S LEGAL LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT
BETWEEN
MONROE COUNTY, FLORIDA
AND
Recognizing that the work governed by this contract involves County property being in the care,
custody, and control of the Contractor, and that most liability policies exclude overage for such
items, the Contractor will he required to maintain Bailee's Liability Insurance in amounts no less
than the replacement value of the property in the possession of the Contractor.
Maximum value of the County's property which is in the possession of the Contractor:
P
Must he completed by the Department
BLL
Administration Instruction
43
?0 I I Edition
BUILDER'S RISK
INSURANCE REQUIREMENTS
FOR
CONTRACT
BETWEEN
MONROE COUNTY, FLORIDA
AND
The Contractor shall be required to purchase and maintain, throughout the life of the contract,
and until the project is accepted by the County, Builder's Disk Insurance on an All Disk of Loss
form. Coverage shall include:
Theft
Aircraft
Windstorm
vehicles
Hail
Smoke
Explosion
Fire
Riot
Collapse
Civil Commotion
Flood
The policy limits shall be no less than the amount of the finished project and coverage shall be
provided on a completed value basis.
Property located on the construction premises, which is intended to become a permanent part of
the building, shall be included as property covered.
The policy shall be endorsed permitting the County to occupy the building prior to completion
without effecting the coverage.
The Monroe County Board of County Commissioners shall be named as Additional Insured and
Loss Payee.
BR1
Administration Instruction
2011 Edition
BUILDER'S RISK
INSURANCE REQUIREMENTS
FOR
CONTRACT
BETWEEN
MONROE COUNTY, FLORIDA
AND
The Contractor shall be required to purchase and maintain, throughout the life of the contract,
and until the project is accepted by the County, Builder's Risk Insurance on an All Risk of Loss
form. Coverage shall include:
Theft
Aircraft
Hail
Smoke
Explosion
Fire
Riot
Collapse
Civil Commotion
Flood
Vehicles
The policy limits shall be no less than the amount of the finished project and coverage shall be
provided on a completed value basis.
Property located on the construction premises, which is intended to become a permanent part of
the building, shall be included as property covered.
The policy shall be endorsed permitting the County to occupy the building prior to completion
without effecting the coverage.
The Monroe County Board of County Commissioners shall be named as Additional Insured and
Loss Payee.
B R2
Administration Instruction
45
201 I Edition
EMPLOYEE DISHONESTY
INSURANCE REQUIREMENTS
FOR
CONTRACT
BETWEEN
MONROE COUNTY, FLORIDA
AND
The Contractor shall purchase and maintain, throughout the term of the contract, Employee
Dishonesty Insurance which will pay for losses to County property or money caused by the
fraudulent or dishonest acts of the Contractor's employees or its agents, whether acting alone or
in collusion of others.
The minimum limits shall be:
$10,000 per occurrence
EIS I
Administration Instruction
46
2011 Edition
EMPLOYEE DISHONESTY
INSURANCE REQUIREMENTS
FOR
CONTRACT
BETWEEN
MONROE COUNTY, FLORIDA
AND
The Contractor shall purchase and maintain, throughout the term of the contract, Employee Dishonesty
Insurance which will pay for losses to County property or money caused by the fraudulent or dishonest
acts of the Contractor's employees or its agents, whether acting alone or in collusion of others.
The minimum limits shall be:
$100,000 per Occurrence
ED2
Administration Instruction
47
2011 Edition
GARAGE LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT
BETWEEN
ONROE COUNTY, FLORIDA
AND
Recognizing that the work governed by this contract involves the servicing and/or repair of
County -owned vehicles, the Contractor will be required to purchase and maintain a Garage
Policy to include Garage Liability Insurance extending to vehicles, owned or leased by the
County, left with the Contractor for servicing, repair, storage, or safekeeping. Coverage should
include, as a minimum:
■ Premises and Operations Liability
• Vehicle Liability
■ Contractual Liability
■ Products and Completed Operations Liability
■ Garage Beepers' Legal Liability, to include:
Comprehensive and Collision
The Garage Keepers' Legal Liability shall extend to all County-owned/leased vehicles in the care,
custody, and control of the Contractor.
The Contractor's insurance shall be primary to any coverage maintained by the County.
The minimum limits acceptable shall be:
$300,000 Combined Single limit (CSL) for liability
$ 25,000 Garage Keepers' Legal Liability
The Monroe County Board of County Commissioners shall be named as Additional Insured on
all policies issued to satisfy the above requirements.
GKI
Administration Instruction
48
101 t Edition
GARAGE LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT
BETWEEN
MONROE COUNTY, FLORIDA
AND
Recognizing that the work governed by this contract involves the servicing and/or repair of
County -owned vehicles, the Contractor will be required to purchase and maintain a Garage
Policy to include Garage Liability Insurance extending to vehicles, owned or leased by the
County, left with the Contractor for servicing, repair, storage, or safekeeping. Coverage should
include, as a minimum:
• Premises and operations
• Vehicle Liability
• Contractual Liability
• Products and Completed operations Liability
• Garage Keepers' Legal Liability, to include:
Comprehensive and Collision
The Garage Keepers' Legal Liability shall extend to all County-owned/leased vehicles in the care,
custody, or control of the Contractor.
The Contractor's insurance shall be primary to any coverage maintained by the County.
The minimum limits acceptable shall be:
$ 11,000,000 Combined Single Limit (CSL) for liability
$ 2501,000 Garage keepers' Legal Liability
The Monroe County Board of County Commissioners shall be named as Additional Insured on
all policies issued to satisfy the above requirements.
G K2
Administration Instruction
49
2011 Edition
GENERAL LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT
BETWEEN
MONROE COUNTY., FLORIDA
AND
Prior to the commencement of word governed by this contract, the Contractor shall obtain
General Liability Insurance. Coverage shall be maintained throughout the life of the contract and
include, as a minimum:
• Premises Operations
• Products and Completed Operations
• Blanket Contractual Liability
• Personal Injury Liability
• Expanded Definition of Property Damage
The minimum limits acceptable shall be:
$300,000 Combined Single Limit (CSL)
If split limits are provided, the minimum limits acceptable shall be:
$100,000 per Person
$3001,000 per Occurrence
$ 501,000 Property Damage
An Occurrence Form policy is preferred. If coverage is provided on a Claims Made policy, its
provisions should include coverage for claims filed on or after the effective date of this contract.
In addition, the period for which claims may be reported should extend for a minimum of twelve
(12) months following the acceptance of work by the County.
The Monroe County Board of County Commissioners shall be named as Additional Insured on
all policies issued to satisfy the above requirements.
GLI
Administration Instruction
50
20 11 Edition
ENGINEERS ERRORS AND OMISSIONS
LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT
BETWEEN
MONROE COUNTY, FLORID
AND
Recognizing that the work governed by this contract involves the furnishing of engineering
services, the Contractor shall purchase and maintain, throughout the life of the contract,
Engineers Errors and Omissions Liability Insurance which will respond to damages resulting
from any claim arising out of the performance of professional services or any error or omission
of the Contractor arising out of work governed by this contract. This insurance shall be
maintained in force for a period of two years after the date of Substantial Completion of the
Project.
The minimum limits of liability shall be:
$250,000 per Occurrence/$500,000 Aggregate
EOl
Administration Instruction
51
tat I Edition
ENGINEERS ERRORS AND OMISSIONS
LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT
BETWEEN
MONROE COUNTY, FLORIDA
AND
Recognizing that the work governed by this contract involves the furnishing of engineering
services, the Contractor shall purchase and maintain, throughout the life of the contract,
Engineers Errors and Omissions Liability Insurance which will respond to damages resulting
from any claim arising out of the performance of professional services or any error or omission
of the Contractor arising out of work governed by this contract. This insurance shall be
maintained in force for a period of two years after the date of Substantial Completion of the
Project.
The minimum limits of liability shall be;
$500,000 per Occurrence/$1,000,000 Aggregate
E02
Administration Instruction
52
2011 Edition
ENGINEERS ERRORS AND OMISSIONS
LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT
BETWEEN
MONROE COUNTY, FLORIDA
AND
Recognizing that the work governed by this contract involves the furnishing of engineering
services, the Contractor shall purchase and maintain, throughout the life of the contract,
Engineers Errors and omissions Liability Insurance which will respond to damages resulting
from any claim arising out of the performance of professional services or any error or omission
of the Contractor arising out of work governed by this contract. This insurance shall be
maintained in force for a period of two years after the date of Substantial Completion of the
Project.
The minimum limits of liability shall be:
$11,0001,000 per Occurrence/$3,000,000 Aggregate
Administration Instruction
53
2011 Edition
ENGINEERS ERRORS AND ONIISSIONS
LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT
BETWEEN
MONROE COUNTY, FLORIDA
AND
Recognizing that the work governed by this contract involves the furnishing of engineering
services, the Contractor shall purchase and maintain, throughout the life of the contract,
Engineers Errors and Omissions Liability Insurance which will respond to damages resulting
from any claim arising out of the performance of professional services or any error or omission
of the Contractor arising out of work governed by this contract. This insurance shall be
maintained in force for a period of two years after the date of Substantial Completion of the
Project.
The minimum limits of liability shall be:
$5,000,000 per Occurrence/$10,000,000 Aggregate
E04
Administration Instruction
54
2011 Edition
GENERAL LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT
BETWEEN
MONROE COUNTY, FLORIDA
AND
Prior to the commencement of work governed by this contract, the Contractor shall obtain
General Liability Insurance. Coverage shall be maintained throughout the life of the contract and
include, as a minimum;
• Premises operations
• Products and Completed operations
• Blanket Contractual Liability
• Personal Injury Liability
• Expanded Definition of Property Damage
The minimum limits acceptable shall be:
$300,,000 Combined Single Limit (CSL)
If split limits are provided, the minimum limits acceptable shall be:
$100,000 per Person
$300,,000 per Occurrence
$ 50,000 Property Damage
An occurrence Form policy is preferred. If coverage is provided on a Claims Made policy, its
provisions should include coverage for claims filed on or after the effective date of this contract.
In addition, the period for which claims may be reported should extend for a minimum of twelve
(12) months following the acceptance of work by the County.
The Monroe County Board of County Commissioners shall be named as Additional Insured on
all policies issued to satisfy the above requirements.
GL1
Administration Instruction
55
2011 Edition
INSURANCE REQUIREMENTS
FOR
CONTRACT
BETWEEN
MONROE COUNTY, FLORIDA
AND
Prior to the commencement of work governed by this contract, the Contractor shall obtain
General Liability Insurance. Coverage shall be maintained throughout the life of the contract and
include, as a minimum:
• Premises Operations
• Products and Completed Operations
• Blanket Contractual Liability
• Personal Injury Liability
• Expanded Definition of Property Damage
The minimum limits acceptable shall be:
$500,000 Combined Single Limit (CSL)
If split limits are provided, the minimum limits acceptable shall be:
$250,000 per Person
$500,000 per Occurrence
$ 50,000 Property Damage
An Occurrence Form policy is preferred. If coverage is provided on a Claims Made policy, its
provisions should include coverage for claims filed on or after the effective date of this contract.
In addition, the period for which claims may be reported should extend for a minimum of twelve
(12) months following the acceptance of work by the County.
The Monroe County Board of County Commissioners shall be named as Additional Insured on
all policies issued to satisfy the above requirements.
GL2
Administration Instruction
56
2011 Edition
GENERAL LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT
BETWEEN
MONROE COUNTY, FLORIDA
AND
Prior to the commencement of work governed by this contract, the Contractor shall obtain
General Liability Insurance. Coverage shall be maintained throughout the life of the contract and
include, as a minimum:
• Premises operations
• Products and Completed operations
Blanket Contractual Liability
Personal Injury Liability
Expanded Definition of Property Damage
The minimum limits acceptable shall be:
$1,000,000 Combined Single Limit (CSL)
If split limits are provided, the minimum limits acceptable shall be:
$ 500,000 per Person
$ 1,000,000 per occurrence
$ 100,000 Property Damage
An occurrence Form policy is preferred. If coverage is provided on a Claims Made policy, its
provisions should include coverage for claims filed on or after the effective date of this contract.
In addition, the period for which claims may be reported should extend for a minimum of twelve
(12) months following the acceptance of work by the County.
The Monroe County Board of County Commissioners shall be named as Additional Insured on
all policies issued to satisfy the above requirements.
GL3
Administration Instruction
57
2011 Edition
GENERAL LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT
BETWEEN
MONROE COUNTY, FLORIDA.
AND
Prior to the commencement of work governed by this contract, the Contractor shall obtain
General Liability Insurance. Coverage shall be maintained throughout the life of the contract and
include, as a minimum:
• Premises Operations
• Products and Completed Operations
• Blanket Contractual Liability
• Personal Injury Liability
• Expanded Definition of Property Damage
The minimum limits acceptable shall be:
$5,000,000 Combined Single Limit (CSL)
An Occurrence Form policy is preferred. If coverage is provided on a Claims Made policy, its
provisions should include coverage for claims filed on or after the effective date of this contract.
In addition, the period for which claims may be reported should extend for a minimum of twelve
(12) months following the acceptance of work by the County.
The Monroe County Board of County Commissioners shall be named as Additional Insured on
all policies issued to satisfy the above requirements.
GL4
Administration Instruction
58
2011 Edition
GENERAL LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT
BETWEEN
MONROE COUNTY, FLORIDA
AND
Prior to the commencement of work governed by this contract, the Contractor shall obtain
General Liability Insurance. Coverage shall be maintained throughout the life of the contract and
include, as a minimum:
• Premises Operations
• Products and Completed Operations
• Blanket Contractual Liability
• Personal Injury Liability
• Expanded Definition of Property Damage
The minimum limits acceptable shall be:
$10,000,000 Combined Single Limit (CSL)
An Occurrence Form policy is preferred. If coverage is provided on a Claims Made policy, its
provisions should include coverage for claims filed on or after the effective date of this contract.
In addition, the period for which claims may be reported should extend for a minimum of twelve
(12) months following the acceptance of work by the County.
The Monroe County Board of County Commissioners shall be named as Additional Insured on
all policies issued to satisfy the above requirements.
GL5
Administration Instruction
59
2011 Edition
LIQUOR LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT
BETWEEN
MONROE COUNTY, FLORID
AND
Recognizing that the work governed by this contract involves the sales and/or distribution of alcoholic
beverages, the Contractor's General Liability Insurance policy shall include Liquor Liability with limits
equal to those of the basic coverage.
A separate Liquor Liability policy is acceptable if the coverage is no more restrictive than the
Contractor's General Liability policy.
The Monroe County Board of County Commissioners will be included as Additional Insured if a
separate Liquor Liability policy is provided.
GLLIQ
Administration Instruction
60
201 t Edition
GENERAL LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT
BETWEEN
MONROE COUNTY, FLORID
AND
Recognizing that the work governed by this contract involves providing of guards and other
security services on or off County property, the Contractor's General Liability Insurance policy
must extend to, and be no less restrictive, than an acceptable Law Enforcement Liability policy
specifically providing coverage for intentional acts, which coverage must include any violation of
the constitutional right of any person for damages and attorney's fees under any one or more of
the following civil rights statutes: 42 USCA 1981, 42 USCA 1982, 42 USCA 1983, 42 USCA
1985,42 USCA 1986 and 42 USCA 1988.
The Monroe County Board of County Commissioners shall be named as Additional Insured on
all policies issued to satisfy the above requirements.
GLS
Administration Instruction
61
2011 Edition
GENERAL LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT
BETWEEN
MONROE COUNTY, FLORIDA
AND
Recognizing that the work governed by this contract involves either underground exposures,
explosive activities, or the possibility of collapse of a structure, the Contractor's General Liability
Policy shall include coverage for the XCU (explosion, collapse, and underground) exposures
with limits of liability equal to those of the General Liability Insurance policy.
GLXCU
Administration Instruction
62
2011 Edition
AIRPORT LIABILITY
AND
HANGARKEEPERS LEGAL LIABILITY
INSURANCE REQUIREMENT
FOR
CONTRACT
BETWEEN
MONROE COUNTY, FLORIDA
AND
Recognizing that the work governed by this contract involves the repair, servicing, maintenance,
fueling, or storage of aircraft, the Contractor will be required to purchase and maintain,
throughout the life of the contract, Airport Liability and Hangarkeepers Legal Liability Insurance
naming the Monroe County Board of County Commissioners as Additional Insured.
The minimum limits of liability shall be $300,000.
HKLI
Administration Instruction
63
2011 Edition
AIRPORT LIABILITY
AND
HANGARKEEPERS LEGAL LIABILITY
INSURANCE REQUIREMENT
FOR
CONTRACT
BETWEEN
MONROE COUNTY, FLORIDA
AND
Recognizing that the work governed by this contract involves the repair, servicing, maintenance,
fueling, or storage of aircraft, the Contractor will be required to purchase and maintain,
throughout the life of the contract, Airport Liability and Hangarkeepers Legal Liability Insurance
naming the Monroe County Board of County Commissioners as Additional Insured.
The minimum limits of liability shall be $500,000.
HKL2
Administration Instruction
64
?0 11 Edition
AIRPORT LIABILITY
AND
HANGARKEEPERS LEGAL LIABILITY
INSURANCE REQUIREMENT
FOR
CONTRACT
BETWEEN
MONROE COUNTY, FLORIDA
ADD
Recognizing that the work governed by this contract involves the repair, servicing, maintenance,
fueling, or storage of aircraft, the Contractor will be required to purchase and maintain,
throughout the life of the contract, Airport Liability and Hangarkeepers Legal Liability Insurance
naming the Monroe County Board of County Commissioners as Additional Insured.
The minimum limits of liability shall be $1 million.
HKL3
Administration hnstruction
65
2011 Fditl()n
AIRPORT LIABILITY
AND
HANGARKEEPERS LEGAL LIABILITY
INSURANCE REQUIREMENT
FOR
CONTRACT
BETWEEN
MONROE COUNTY, FLORIDA
AND
Recognizing that the work governed by this contract involves the repair, servicing, maintenance,
fueling, or storage of aircraft, the Contractor will be required to purchase and maintain,
throughout the life of the contract, Airport Liability and Hangarkeepers Legal Liability Insurance
naming the Monroe County Board of County Commissioners as Additional Insured.
The minimum limits of liability shall be $5 million.
HKL4
Administration Instruction
66
2_01 [,Edition
INSTALLATION FLOATER
INSURANCE REQUIREMENTS
FOR
CONTRACT
BETWEEN
MONROE COUNTY, FLORIDA
AND
The Contractor shall be required to purchase and maintain throughout the life of the contract, and
until the project is accepted by the County, Installation Insurance providing coverage for
machinery and equipment, governed by this contract, while being transported, installed and
tested.
As a minimum, coverage shall include:
Fire Lightning Windstorm Hail
Explosion Collapse Strikes Riots
Civil Commotion vandalism Malicious Mischief vehicles
Aircraft Flood
The policy limits shall be no less than the amount of the machinery or equipment being installed.
The Monroe County Board of County Commissioners shall be named as Additional Insured and
Loss Payee as their interest may appear.
IF
Administration Instruction
67
?011 Edition
MEDICAL PROFESSIONAL LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT
BETWEEN
MONROE COUNTY, FLORIDA
AND
Recognizing that the work governed by this contract involves the providing of professional
medical treatment, the Contractor shall purchase and maintain, throughout the life of the contract,
Professional Liability Insurance which will respond to the rendering of, or failure to render
medical professional services under this contract.
The minimum limits of liability shall be:
$300,000 per Occurrence/$750,000 Aggregate
If coverage is provided on a claims made basis, an extended claims reporting period of four (4)
years will be required.
MED1
Administration Instruction
68
?oi 1 Edition
MEDICAL PROFESSIONAL LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT
BETWEEN
MONROE COUNTY, FLORIDA
AND
Recognizing that the Work governed by this contract involves the providing of professional
medical treatment, the Contractor shall purchase and maintain, throughout the life of the contract,
Professional Liability Insurance Which Will respond to the rendering of, or failure to render
medical professional services under this contract.
The minimum limits of liability shall be:
$500,000 per Occurrence/$1,000,000 Aggregate
If coverage is provided on a claims made basis, an extended claims reporting period of four (4)
years Will be required.
MEDZ
Administration instruction
69
2011 Edition
MEDICAL PROFESSIONAL LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT
BETWEEN
MONROE COUNTY, FLORIDA
AND
Recognizing that the work governed by this contract involves the providing of professional
medical treatment, the Contractor shall purchase and maintain, throughout the life of the contract,
Professional Liability Insurance which will respond to the rendering of, or failure to render
medical professional services under this contract.
The minimum limits of liability shall be:
$1,000,000 per Occurrencel$3,000,000 Aggregate
If coverage is provided on a claims made basis, an extended claims reporting period of four (4)
years will be required.
MED3
Administration Instruction
70
201 [ Edition
MEDICAL PROFESSIONAL LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT
BETWEEN
MONROE COUNTY, FLORIDA
AND
Recognizing that the work governed by this contract involves the providing of professional
medical treatment, the Contractor shall purchase and maintain, throughout the life of the contract,
Professional Liability Insurance which will respond to the rendering of, or failure to render
medical professional services under this contract.
The minimum limits of liability shall be:
$59000,,000 per occurrence/$10,000,00o Aggregate
If coverage is provided on a claims made basis, an extended claims reporting period of four (4)
years will be required.
MED4
Administration Instruction
71
2011 Edition
INSURANCE REQUIREMENTS
FOR
CONTRACT
BETWEEN
MONROE COUNTY, FLORIDA
AND
Recognizing that the work governed by this contract involves County property being transported
by the Contractor, and that most liability policies exclude coverage for such items, the Contractor
will be required to maintain Motor Vehicle Cargo Insurance in amounts no less than the
replacement value of the property in the possession of the Contractor.
Maximum Value of the County's property which is in the possession of the Contractor:
Must be completed by the Department
NOTE
If a "Free on Board" (FOB) bill of lading is utilized on incoming property, and if the County does
not assume title until the property is delivered, the Contractor does not have to show evidence of
Motor Vehicle Cargo Insurance.
MVC
Administration Instruction
72
2011 Edition
POLLUTION LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT
BETWEEN
MONROE COUNTY, FLORIDA
AND
Recognizing that the work governed by this contract involves the storage, treatment, processing,
or transporting of hazardous materials (as defined by the Federal Environmental Protection
Agency), the Contractor shall purchase and maintain, throughout the life of the contract,
Pollution Liability Insurance which will respond to bodily injury, property damage, and
environmental damage caused by a pollution incident.
The minimum limits of liability shall be:
$5009000 per Occurrencel$1,000,000 Aggregate
If coverage is provided on a claims made basis, an extended claims reporting period of four (4)
years will be required.
PDL1
Administration Instruction
73
2011 Edition
POLLUTION LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT
BETWEEN
MONROE COUNTY, FLORIDA
AND
Recognizing that the work governed by this contract involves the storage, treatment, processing,
or transporting of hazardous materials (as defined by the Federal Environmental Protection
Agency), the Contractor shall purchase and maintain, throughout the life of the contract,
Pollution Liability Insurance which will respond to bodily injury, property damage, and
environmental damage caused by a pollution incident.
The minimum limits of liability shall be:
$11,0001,000 per Occurrence/$2,000,000 Aggregate
If coverage is provided on a claims made basis, an extended claims reporting period of four (4)
years will be required.
POL2
Administration Instruction
74
2011 Edition
POLLUTION LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT
BETWEEN
MONROE COUNTY, FLORIDA
AND
Recognizing that the work governed by this contract involves the storage, treatment, processing,
or transporting of hazardous materials (as defined by the Federal Environmental Protection
Agency), the Contractor shall purchase and maintain, throughout the life of the contract,
Pollution Liability Insurance which will respond to bodily injury, property damage, and
environmental damage caused by a pollution incident.
The minimum limits of liability shall be:
$51,0001,000 per Occurrence/$10,000,000 Aggregate
If coverage is provided on a claims made basis, an extended claims reporting period of four (4)
years will be required.
PO L3
Administration Instruction
75
?0 P P Edition
POLLUTION LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT
BETWEEN
MONROE COUNTY, FLORIDA
AND
Recognizing that the work governed by this contract involves the storage, treatment, processing,
or transporting of potentially polluting material, the Contractor shall purchase and maintain,
throughout the life of the contract, Pollution Liability Insurance which will respond to bodily
injury, property damage, and environmental damage caused by a discharge of wastes which are
governed by this contract. The policy must specifically identify this contract and specify that
coverage will extend to all losses, claiming pollution or environmental impairment, arising out of
the services governed by this contract.
The minimum limits of liability shall be:
$1 Million per Occurrence
If coverage is provided on a claims made basis, an extended claims reporting period of one (1)
year will be required.
The Monroe County Board of County Commissioners shall be named as an Additional Insured.
Po L4
Administration Instruction
76
2011 Edition
POLLUTION LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT
BETWEEN
MONROE COUNTY, FLORIDA
AND
Recognizing that the work governed by this agreement involves potentially polluting material,
the Licensee shall purchase and maintain, throughout the life of the contract, Pollution Liability
Insurance which will respond to bodily injury, property damage, and environmental damage
caused by a discharge of wastes from a Sewer Force Main, owned by the Licensee, installed on a
County right-of-way. The policy must specifically identify this agreement and specify that
coverage will extend to all losses, claiming pollution or environmental impairment, arising out of
the rights granted to the Licensee by this agreement.
The minimum limits of liability shall be:
$1 Million per Occurrence
If coverage is provided on a claims made basis, an extended claims reporting period of one (1)
year will be required.
The Monroe County Board of County Commissioners shall be named as an Additional Insured.
PoLS
Administration instruction
77
2011 Edition
PROFESSIONAL LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT
BETWEEN
MONROE COUNTY, FLORIDA
AND
Recognizing that the work governed by this contract involves the furnishing of advice or services
of a professional nature, the Contractor shall purchase and maintain, throughout the life of the
contract, Professional Liability Insurance which will respond to damages resulting from any
Claim arising out of the performance of professional services or any error or omission of the
Contractor arising out of work governed by this Contract.
The minimum limits of liability shall be:
$300,000 per Occurrence/$500,000 Aggregate
PROI
Administration Instruction
n
78
2011 Edition
PROFESSIONAL LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT
BETWEEN
MONROE COUNTY, FLORIDA
AND
Recognizing that the work governed by this contract involves the furnishing of advice or services
of a professional nature, the Contractor shall purchase and maintain, throughout the life of the
contract, Professional Liability Insurance which will respond to damages resulting from any
claim arising out of the performance of professional services or any error or omission of the
Contractor arising out of work governed by this contract.
The minimum limits of liability shall be:
$500,000 per Occurrence/$1,000,000 Aggregate
PRO2
Administration Instniction
79
2011 Edition
PROFESSIONAL LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT
BETWEEN
MONROE COUNTY, FLORIDA
AND
Recognizing that the work governed by this contract involves the furnishing of advice or services
of a professional nature, the Contractor shall purchase and maintain, throughout the life of the
contract, Professional Liability Insurance which will respond to damages resulting from any
claim arising out of the performance of professional services or any error or omission of the
Contractor arising out of work governed by this contract.
The minimum limits of liability shall be:
$1,000,000 per occurrence/$ 2,000,000 Aggregate
PRo3
Administration Instruction
so
2011 Edition
POLLUTION LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT
BETWEEN
MONROE COUNTY, FLORIDA
AND
Recognizing that the work governed by this contract involves the maintenance and operation of
fuel tanks, the Contractor shall purchase and maintain, throughout the life of the contract,
Pollution Liability Insurance which will respond to bodily injury, property damage, and
environmental damage caused by a pollution incident, consistent with Florida Statute 37f .3072.
UST
Administration Instruction
81
'20I I Edition
VEHICLE LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT
BETWEEN
MONROL COUNTY, FLORIDA
AND
Recognizing that the work governed by this contract requires the use of vehicles, the Contractor,
prior to the commencement of work, shall obtain Vehicle Liability Insurance. Coverage shall be
maintained throughout the life of the contract and include, as a minimum, liability coverage for:
Owned, Non -Owned, and Hired Vehicles
The minimum limits acceptable shall be:
$100,000 Combined Single Limit (CSL)
If split limits are provided, the minimum limits acceptable shall be:
$ 50,000 per Person
$100,000 per Occurrence
$ 2 5, 000 Property Damage
The Monroe County Board of County Commissioners shall be named as Additional Insured on
all policies issued to satisfy the above requirements.
VL1
Administration Instruction
82
2011 Edition
VEHICLE LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT
BETWEEN
MONROE COUNTY, FLORIDA
AND
Recognizing that the work governed by this contract requires the use of vehicles, the Contractor,
prior to the commencement of work, shall obtain Vehicle Liability Insurance. Coverage shall be
maintained throughout the life of the contract and include, as a minimum, liability coverage for:
• owned, Non -owned, and Hired Vehicles
The minimum limits acceptable shall be:
$300,000 Combined Single Limit (CSL)
If split limits are provided, the minimum limits acceptable shall be:
$100,000 per Person
$3009000 per occurrence
$ 509000 Property Damage
The Monroe County Board of County Commissioners shall be named as Additional Insured on
all policies issued to satisfy the above requirements.
VL2
Administration Instruction
93
2011 Edition
VEHICLE LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT
BETWEEN
MONROE COUNTY, FLORIDA
AND
Recognizing that the work governed by this contract requires the use of vehicles, the Contractor,
prior to the commencement of work, shall obtain Vehicle Liability Insurance. Coverage shall be
maintained throughout the life of the contract and include, as a minimum, liability coverage for. -
Owned, Non -Owned, and Hired Vehicles
The minimum limits acceptable shall be:
$1,000,000 Combined Single Limit (CSL)
If split limits are provided, the minimum limits acceptable shall be:
$ 500,000 per Person
$1.000,000 per Occurrence
$ 100,000 Property Damage
The Monroe County Board of County Commissioners shall be named as Additional Insured on
all policies issued to satisfy the above requirements.
VL3
Administration Instruction
84
2011 Edition
VEHICLE LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT
BETWEEN
MONROE COUNTY, FLORIDA
AND
Recognizing that the work governed by this contract requires the use of vehicles, the Contractor,
prior to the commencement of work, shall obtain vehicle Liability Insurance. Coverage shall be
maintained throughout the life of the contract and include, as a minimum, liability coverage for:
Owned, Non -Owned, and Hired vehicles
The minimum limits acceptable shall be:
$5,000,000 Combined Single Limit (CSL)
If split limits are provided, the minimum limits acceptable shall be:
$1,000,000 per Person
$5,000,000 per Occurrence
$ 1 00,000 Property Damage
The Monroe County Board of County Commissioners shall be named as Additional Insured on
all policies issued to satisfy the above requirements.
VL4
Administration Instruction
85
2011 Edition
HAZARDOUS CARGO TRANSPORTERS LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT
BETWEEN
MONROE COUNTY, FLORIDA
AND
Prior to the commencement of work governed by this contract, the Contractor shall purchase
Pollution Liability Insurance which extends to the hauling of toxic and hazardous material by
motorized vehicles. In compliance with the Motor Carrier Act, the policy should be endorsed
with an MCS-90 Endorsement, demonstrating financial responsibility for spills and clean-up.
Any pollution exclusion limiting coverage under this policy shall be removed.
The minimum limits acceptable shall be:
$300,000 per Occurrence
VLP'I
Administration Instruction
86
2011 Edition
HAZARDOUS CARGO TRANSPORTERS LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT
BETWEEN
ViONROE COUNTY, FLORIDA
AND
Prior to the commencement of Work governed by this contract, the Contractor shall purchase
Pollution Liability Insurance Which extends to the hauling of toxic and hazardous material by
motorized vehicles. In compliance With the Motor Carrier Act, the policy should be endorsed
With an MCS-90 Endorsement, demonstrating financial responsibility for spills and clean-up.
Any pollution exclusion limiting coverage under this policy shall be removed.
The minimum limits acceptable shall be:
$500,000 per Occurrence
VLP2
Administration Instruction
87
2011 Edition
HAZARDOUS CARGO TRANSPORTERS LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT
BETWEEN
MONROE COUNTY, FLORIDA
AND
Prior to the commencement of work governed by this contract, the Contractor shall purchase
Pollution Liability Insurance which extends to the hauling of toxic and hazardous material by
motorized vehicles. In compliance with the Motor Carrier Act, the policy should be endorsed
with an MCS-90 Endorsement, demonstrating financial responsibility for spills and clean-up.
Any pollution exclusion limiting coverage under this policy shall be removed.
The minimum limits acceptable shall be:
$1,000,000 per Occurrence
VLP3
Administration Instruction
88
2011 Edition
WORKERS' COMPENSATION
INSURANCE REQUIREMENTS
FOR
CONTRACT
BETWEEN
MONROE COUNTY, FLORIDA
AND
Prior to the commencement of work governed by this contract, the Contractor shall obtain
Workers' Compensation Insurance with limits sufficient to respond to Florida Statute 440.
In addition, the Contractor shall obtain Employers' Liability Insurance with limits of not less
than:
$100,000 Bodily Injury by Accident
$500,000 Bodily Injury by Disease, policy limits
$100,000 Bodily Injury by Disease, each employee
Coverage shall be maintained throughout the entire term of the contract.
Coverage shall be provided by a company or companies authorized to transact business in the
state of Florida.
If the Contractor has been approved by the Florida's Department of Labor, as an authorized self -
insurer, the County shall recognize and honor the Contractor's status. The Contractor may be
required to submit a Letter of Authorization issued by the Department of Labor and a Certificate
of Insurance, providing details on the Contractor's Excess Insurance Program.
If the Contractor participates in a self-insurance fund, a Certificate of Insurance will be required.
In addition, the Contractor may be required to submit updated financial statements from the fund
upon request from the County.
WC1
Administration Instruction
89
2011 Edition
WORKERS' COMPENSATION
INSURANCE REQUIREMENTS
FOR
CONTRACT
BETWEEN
MONROE COUNTY, FLORIDA
AND
Prior to the commencement of work governed by this contract, the Contractor shall obtain
Workers' Compensation Insurance with limits sufficient to respond to the applicable state
statutes.
In addition, the Contractor shall obtain Employers' Liability Insurance with limits of not less
than:
$500,000 Bodily Injury by Accident
$500,000 Bodily Injury by Disease, policy limits
$500,000 Bodily Injury by Disease, each employee
Coverage shall be maintained throughout the entire term of the contract.
Coverage shall be provided by a company or companies authorized to transact business in the
state of Florida.
If the Contractor has been approved by the Florida's Department of Labor, as an authorized self -
insurer, the County shall recognize and honor the Contractor's status. The Contractor may be
required to submit a Letter of Authorization issued by the Department of Labor and a Certificate
of Insurance, providing details on the Contractor's Excess Insurance Program.
If the Contractor participates in a self-insurance fund, a Certificate of Insurance will be required.
In addition, the Contractor may be required to submit updated financial statements from the fund
upon request from the County.
WC2
Administration Instruction
90
2011 Edition
WORKERS'COMPENSATION
INSURANCE REQUIREMENTS
FOR
CONTRACT
BETWEEN
MONROE COUNTY, FLORIDA
AND
Prior to the commencement of work governed by this contract, the Contractor shall obtain
Workers' Compensation Insurance with limits sufficient to respond to the applicable state
statutes.
In addition, the Contractor shall obtain Employers' Liability Insurance with limits of not less
than:
$1,000,000 Bodily Injury by Accident
$1,000,000 Bodily Injury by Disease, policy limits
$1,000,000 Bodily Injury by Disease, each employee
Coverage shall be maintained throughout the entire term of the contract.
Coverage shall be provided by a company or companies authorized to transact business in the
state of Florida.
If the Contractor has been approved by the Florida's Department of Labor, as an authorized self -
insurer, the County shall recognize and honor the Contractor's status. The Contractor may be
required to submit a Letter of Authorization issued by the Department of Labor and a Certificate
of Insurance, providing details on the Contractor's Excess Insurance Program.
If the Contractor participates in a self-insurance fund, a Certificate of Insurance will be required.
In addition, the Contractor may be required to submit updated financial statements from the fund
upon request from the County.
wC3
Administration Instruction
91
2011 Edition
WORKERS' COMPENSATION
INSURANCE REQUIREMENTS
FOR
CONTRACT
BETWEEN
MONROE COUNTY, FLORIDA
AND
Prior to the commencement of work governed by this contract, the Contractor shall obtain
Workers' Compensation Insurance with limits sufficient to respond to the applicable state
statutes.
In addition, the Contractor shall obtain Employers' Liability Insurance with limits of not less
than:
$5,000,000 Bodily Injury by Accident
$5,000,000 Bodily Injury by Disease, policy limits
$5,000,000 Bodily Injury by Disease, each employee
Coverage shall be maintained throughout the entire term of the contract.
Coverage shall be provided by a company or companies authorized to transact business in the
state of Florida.
If the Contractor has been approved by the Florida's Department of Labor, as an authorized self -
insurer, the County shall recognize and honor the Contractor's status. The Contractor may be
required to submit a Letter of Authorization issued by the Department of Labor and a Certificate
of Insurance, providing details on the Contractor's Excess Insurance Program.
If the Contractor participates in a self-insurance fund, a Certificate of Insurance will be required.
In addition, the Contractor may be required to submit updated financial statements from the fund
upon request from the County.
WC4
Administration Instruction
92
2011 Edition
WORKERS' COMPENSATION
INSURANCE REQUIREMENTS
FOR
CONTRACT
BETWEEN
MONROE COUNTY, FLORIDA
AND
Recognizing that the work governed by this contract involves Maritime Operations, the Contractor's
Workers' Compensation Insurance Policy shall include coverage for claims subject to the Federal Jones
Act (46 U.S.C.A. subsection 688) with limits not less than those specified for Employer's Liability.
The Contractor shall be permitted to provide Jones Act Coverage through a separate Protection and
Indemnity Policy, in so far as the coverage provided is no less restrictive than would have been provided
by a Workers' Compensation policy.
WCJA
Administration Instruction
93
2011 Edition
WORKERS' COMPENSATION
INSURANCE REQUIREMENTS
FOR
CONTRACT
BETWEEN
MONROE COUNTY, FLORID
AND
Recognizing that the work governed by this contract exposes the Contractor's employees to work
subject to the United States Longshoremen and Harbor workers (USL&H) Act (33 USC sections
901-950), the Contractor's workers' Compensation Insurance policy shall include USL&H
coverage with limits not less than those specified for Employers' Liability.
WCUSLH
Administration Instruction
94
1-21a 11 Edition
WATER CRAFT LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT
BETWEEN
MONROE COUNTY, FLORIDA
AND
Prior to the commencement of work governed by this contract, the Contractor shall obtain
Water Craft Liability Insurance with terms no less restrictive than those found in the
standard "American Institute Hull Clauses" (June 2, 1977 edition). Coverage shall be
maintained throughout the life of the contract and include, as a minimum:
• Injury (including death) to any Person
• Damage to Fixed or Movable objects
• Costs Associated with the Removal of Wrecked Vessels
• Contractual Liability with Respect to this Contract
If the policy obtained states that coverage applies for the "Acts or omissions of a Vessel"
it shall be endorsed to provide coverage for the legal liability of the shipowner.
The minimum limits acceptable shall be:
$500,000 Combined Single Limit (CSL)
Coverage provided by a Protection and Indemnity Club (P&I) shall be subject to the
approval of the County.
The Monroe County Board of County Commissioners shall be named as Additional
Insured on all policies issued to satisfy the above requirements.
WLI
Administration Instruction
95
?0 11 Edition
WATER CRAFT LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT
BETWEEN
MONROE COUNTY, FLORIDA
AND
Prior to the commencement of work governed by this contract, the Contractor shall obtain water
Craft Liability Insurance with terms no less restrictive than those found in the standard
"American Institute Hull Clauses" (June 2, 1977 edition). Coverage shall be maintained
throughout the life of the contract and include, as a minimum:
• Injury (including death) to any Person
• Damage to Fixed or Movable Objects
• Costs Associated with the Removal of Wrecked Vessels
• Contractual Liability with Respect to this Contract
If the policy obtained states that coverage applies for the "Acts or Omissions of a Vessel", it shall
be endorsed to provide coverage for the legal liability of the shipowner.
The minimum limits acceptable shall be:
$1 Million Combined Single Limit (CSQ
Coverage provided by a Protection and Indemnity Club (P&I) shall be subject to the approval of
the County.
The Monroe County Board of County Commissioners shall be named as Additional Insured on
all policies issued to satisfy the above requirements.
wL2
MONROE COUNTY, FLORIDA
Administration Instruction
96
2011 Edition
RISK MANAGEMENT
POLICY AND PROCEDURES
CONTRACT ADMINISTRATION
MANUAL
Indemnification and Void Harmless
for
Construction Contractors and Subcontractors
The Contractor covenants and agrees to indemnify and hold harmless Monroe County Board of
County Commissioners from any and all claims for bodily injury (including death), personal
injury, and property damage (including property owned by Monroe County) and any other losses,
damages, and expenses (including attorney's fees) which arise out of, in connection with, or by
reason of services provided by the Contractor or any of its Subcontractor(s) in any tier,
occasioned by the negligence, errors, or other wrongful act or omission of the Contractor or its
Subcontractor(s) in any tier, their employees, or agents.
In the event the completion of the project (to include the work of others) is delayed or suspended
as a result of the Contractor's failure to purchase or maintain the required insurance, the
Contractor shall indemnify the County from any and all increased expenses resulting from such
delay.
The first ten dollars ($10.00) of remuneration paid to the Contractor is for the indemnification
provided for above.
The extent of liability is in no way limited to, reduced, or lessened by the insurance requirements
contained elsewhere within this agreement.
CCS
Administration Instruction
97
?011 Edlti()n
MONROE COUNTY, FLORIDA
RISK MANAGEMENT
POLICY AND PROCEDURES
CONTRACT ADMINISTRATION
MANUAL
Indemnification and Hold Harmless
for
Other Contractors and Subcontractors
The Contractor covenants and agrees to indemnify and hold harmless Monroe County Board of
County Commissioners from any and all claims for bodily injury (including death), personal
injury, and property damage ( including property owned by Monroe County) and any other losses,
damages, and expenses (including attorney's fees) which arise out of, in connection with, or by
reason of services provided by the Contractor or any of its Subcontractor(s) in any tier,
occasioned by the negligence, errors, or other wrongful act or omission of The Contractor or its
Subcontractors in any tier, their employees, or agents.
In the event the completion of the project (to include the work of others) is delayed or suspended
as a result of the Contractor's failure to purchase or maintain the required insurance, the
Contractor shall indemnify the County from any and all increased expenses resulting from such
delay.
The first ten dollars ($10.00) of remuneration paid to the Contractor is for the indemnification
provided for above.
The extent of liability is in no way limited to, reduced, or lessened by the insurance requirements
contained elsewhere within this agreement.
TCS
Administration Instruction
98
?CAI I Edition
MONROE COUNTY, FLORIDA
RISK MANAGEMIENT
POLICY AND PROCEDURES
CONTRACT ADMINISTRATION
M-A NUAL
Indemnification and Hold Harmless
for
Public welfare and Special Events
The Promoter or Provider of the Special Event (hereafter referred to as Promoter) covenants and
agrees to indemnify and hold harmless Monroe County Board of County Commissioners from
any and all claims for bodily injury (including death), personal injury, and property damage
(including property owned by Monroe County) and any other losses, damages, and expenses
(including attorney's fees) which arise out of, in connection with, or by reason of the event
sponsored by the Promoter.
The extent of liability is in no way limited to, reduced, or lessened by the insurance requirements
contained elsewhere within this agreement.
PWS E
MONROE COUNTY, FLORIDA
Administration instruction
99
?DI I Edition
RISK MANAGEMENT
POLIO` AND PROCEDURES
CONTRACT ADMINISTRATION
MANUAL
Indemnification and Hold Harmless
for
Inter -Governmental Agreements
The panics to this agreement stipulate that each is a state governmental agency as defined by
Florida Statutes and represents to the other that it has purchased suitable Public Liability, vehicle
Liability, and Workers' Compensation insurance, or is self -insured, in amounts adequate to
respond to any and all claims within the limitations of Florida Statute 768.28 and 440, arising out
of the activities governed by this agreement.
Each party shall be responsible for any acts of negligence on the part of its employees, agents,
contractors, and subcontractors and shall defend, indemnify and hold the other party harmless
from all claims arising out of such actions.
INTL
Administration Instruction
100
2011 Edition
MONROL COUNTYMONROL COUNTS", FLORIDA
RISK MANAGEMENT
POLICY AND PROCEDURES
CONTRACT ADMINISTRATION
MANUAL
Indemnificativn and Hold Harmless
for Airport/Aircraft Activities
The Vendor covenants and agrees to indemnify and hold harmless Monroe County Board of
County Commissioners from any and all claims for bodily injury (including death), personal
injury, and property damage (including property owned by Monroe County) and any other losses,
damages, and expenses (including attorney's fees) which arise out of, in connection with, or by
reason of services provided by the Vendor or any of its Contractors, occasioned by the
negligence, errors, or other wrongful act or omission of the Vendor or its Contractor(s), their
employees, or agents.
The extent of liability is in no way limited to, reduced, or lessened by the insurance requirements
contained elsewhere within this agreement.
AIR
Administration Instruction
101
2011 Edition
MONROE COUNTY, FLORIDA
RISK MANAGEMENT
POLICY AND PROCEDURES
CONTRACT ADMINISTRATION
MANUAL
Indemnification and Mold Harmless
for Organizations/Indlviduals
Leasing County -owned Property
The Organ izationllndividual covenants and agrees to indemnify and hold harmless Monroe
County Board of County Commissioners from any and all claims for bodily injury (including
death), personal injury, and property damage (including property owned by Monroe County) and
any other losses, damages, and expenses (including attorney's fees) which arise out of, in
connection with, or by reason of the Organization/Individual utilizing the property governed by
this lease/rental agreement.
The extent of liability is in no way limited to, reduced, or lessened by the insurance requirements
contained elsewhere within this agreement.
PROP
Administration Instruction
102
21011 Edition
MONROE COUNTY, FLORIDA
RISK MANAGEMENT
POLICY AND PROCEDURES
CONTRACT ADMINISTRATION
MANUAL
WAIVER OF INSURANCE REQUIREMENTS
There will be times when it will be necessary, or in the best interest of the County, to deviate
from the standard insurance requirements specified within this manual. Recognizing this
potential, and acting on the advice of the County Attorney, the Board of County Commissioners
has granted authorization to Risk Management to waive and modify various insurance
provisions.
Specifically excluded from this authorization is the right to waive:
The County as being named as an Additional Insured - If a letter from the Insurance
Company (not the Agent) is presented, stating that they are unable or unwilling to name
the County as an Additional Insured, Risk Management has not been granted the authority
to waive this provision.
and
■ The Indemnification and Hold Harmless provisions
Waivimz of insurance rovisions could expose the County to economic loss. For this reason,
every attempt should be made to obtain the standard insurance requirements. If a waiver or a
modification is desired, a Request for waiver of Insurance Requirements form should be
completed and submitted for consideration with the proposal.
After consideration by Risk Management and if approved, the form will be returned, to the
County Attorney who will submit the waiver with the other contract documents for execution by
the Clerk of the Courts.
Should Risk Management deny the waiver Request, the other party may file an appeal with the
County Administrator or the Board of County Commissioners, who retains the final decision
making authority.
Administration Instruction
103
2011 Edition
MONROF COUNTY, FLORIDA
Request For Waiver
of
Insurance Requirements
It is requested that the insurance requirements, as specified in the County's ,schedule of Insurance Requirements, be
Waived or modified on the following contract.
Contractor:
Contract for:
Address of Contractor:
Phone:
Scope of Work:
Reason for Waiver:
Policies Waiver
Will apply to:
Signature of Contractor:
Approved Not Approved
Risk Management
Date
County Administrator appeal:
Approved: Not Approved:
Date:
Board of County Commissioners appeal:
A ppro ved : -
Meeting Date:
Administration instruction
Not Approved:
104
2011 Edition
MONROE COUNTY, FLORIDA
RISK MANAGEMENT
POLICY AND PROCEDURES
CONTRACT ADMINISTRATION
MANUAL
Glossary
Workers' Compensation and Employers' Liability Insurance provides coverage for
employees who suffer an on-the-job injury. Nearly all employers in the State of Florida are
required, by statute, to purchase Workers' Compensation. Fines and penalties can be levied upon
any firm that fails to comply with the lave. More important, the County can be held
responsible for the benefits awed to an employee of a contractor or subcontractor if they
fail to maintain Workers' Compensation insurance. Since Monroe self -insures its workers'
compensation exposure, the assumption of another firms claims could have serious economic
impact on the County's budget.
Workers' Compensation Insurance pays for the medical expenses of employees that suffer a job
related injury. In addition, the in employee is entitled to a portion (usually 66%) of his pre -
injury wage, subject to a maximum established by the State. Normally, the injury must prevent
the employee from working for a period of fourteen days before he can collect any lost wages. A
standard Workers' Compensation policy does not have a specific limit and indicates that all
statutory benefits will be paid. With few exceptions, benefits are paid without regard to fault and
the employer has limited defenses available which will permit a denial of a claim. In return for
this right, the employee waives his right to sue his employer under tort (negligence). This is
commonly referred to as the "Sole Remedy Provision".
Since the coverage under a Workers' Compensation policy is so broad, most job related injuries
are covered under this policy. Occasionally, coverage may not respond to the claim or the
employee is successful in circumventing the Sole Remedy Provision. To protect the employer
for such cases, most Workers' Compensation policies contain a separate section entitled
"Employers' Liability". Unlike Compensation coverage, which has no specified limits,
Employers' Liability coverage contains a per accident limit and a total policy limit. In addition, a
separate limit for disease related claims often applies on a per employee basis.
General Liability Insurance is designed to protect a firm from third party claims for bodily
injury and property damage which arise out of the operations of the Organization. Third parties
may be members of the public, another Contractor, or the County itself. Limits are usually
provided on a per occurrence (accident) basis with a separate annual limit for all occurrences.
There are two broad categories of General Liability Insurance. The first is offered on a "Claims
Made Basis" and the second is offered on an "Occurrence Basis". A Claims Made policy
requires that the claim be reported to the insurer during the policy period while an Occurrence
policy will respond to an accident that took place during the policy term regardless of when the
actual claim was made.
Normally, the County prefers that all General Liability Insurance be provided on an
Occurrence Basis. Risk Management should be consulted to assist in the establishment of
verification procedures whenever a Contractor provides a Claims Made policy.
Administration instruction
105
2011 Edition
Another concern that deserves further discussion is Contractual Liability. Some General
Liability policies exclude or limit coverage for liabilities assumed under contract. Unless
Contractual Liability is provided, coverage for the County may not be available.
Additional Insured is a method of allowing the County to have direct access to the Contractor's
insurer in the event they are included in a law suit arising out of the performance of the contract.
The County will generally require that they be added as an Additional Insured on all policies
except workers' Compensation.
Vehicle Liability Insurance provides protection for vehicle related claims which are normally
excluded from coverage under a General Liability policy. If automobiles will be used in
conjunction with the project, Vehicle Liability Insurance will be required.
Limits can be provided in two ways. Combined Single Limits (CSL) furnish a single amount of
coverage for claims regardless whether they are for bodily injury or property damage. Split
Limits furnish separate amounts for bodily injury claims and property damage claims. The
County prefers CSL.
Umbrella Insurance (Excess Liability Coverage), while not specifically included in the required
coverages, is a type of insurance purchased by a firm in an effort to increase the limits of liability
on their General and Vehicle Liability coverages. It often increases the Employers Liability
limits as well. Frequently an Organization needs or desires higher limits than are traditionally
available on primary insurance policies. Umbrella or Excess Liability Insurance fills this void.
Professional Liability provides liability coverage for claims arising out of the furnishing, or the
failure to furnish professional services. Such claims are normally excluded from General
Liability Insurance.
Miscellaneous other Coverages contained within this Manual, and not addressed above, can be
discussed with Risk Management and further explanations can be obtained if questions or
problems arise.
Risk Management is a process designed to reduce losses and minimize the adverse effects of
losses that do occur. Risk Management can be viewed in two dimensions: a decision process
and a management process.
Risk Management viewed as a decision process includes:
v' The identification of exposure to loss;
►I Evaluating the potential impact of a loss;
v' Reviewing alternative techniques for handling the loss;
v' Selecting the most appropriate technique; and
►I Monitoring the results and making adjustments where needed.
Risk Management viewed as a management process entails four basic functions:
►I Planning what must be done to protect the County against the adverse effects of accidental
losses;
v" Organizing personnel and other resources to carry out the results of the planning;
v' Motivate personnel throughout the County to accomplish its goals; and
v' Monitor the results of the program, making adjustments where needed.
Administration instruction
106