Resolution 289-2023 RESOLUTION NO. 289 -2023
A RESOLUTION OF THE BOARD OF COUNTY
COMMISSIONERS OF MONROE COUNTY,
FLORIDA, ADOPTING THE 2023 VERSION OF THE
RISK MANAGEMENT POLICY AND PROCEDURES
CONTRACT ADMINISTRATION MANUAL;
REVISING PROVISIONS REGARDING BUILDER'S
RISK INSURANCE REQUIREMENTS FOR
VERTICAL CONSTRUCTION PROJECTS;
REPEALING PRIOR INCONSISTENT
RESOLUTIONS; AND PROVIDING AN EFFECTIVE
DATE.
WHEREAS,the Board of County Commissioners of Monroe County, Florida(hereinafter
"the BOCC") has adopted the Monroe County Risk Management Policy and Procedures Contract
Administration Manual ("Contract Manual") as the official source of insurance and risk
management requirements that must be utilized in any type of contract, lease, or agreement entered
into by the County; and
WHEREAS, the Contract Manual is the official reference and source for types of levels
of insurance coverage and related requirements that must be followed by individuals, contractors,
professionals,vendors, agencies and firms that perform work on behalf of the County,provide the
County with goods or services, use County property in conjunction with their activities, receive
funding or grants from the County, or enter into interlocal agreements with the County; and
WHEREAS,the most recent version of the Contract Manual has heretofore been the 2019
version; and
WHEREAS, the County desires to make changes to the 2019 version of the Contract
Manual,primarily in order to remove the Insurance Agent's Statement from the insurance checklist
vendor form and to add mold remediation as a formal category in the manual. Language has also
been added authorizing the Risk Manager to make changes to the Builder's Risk requirement
including waivers as needed, in order to accomplish the primary interest of minimizing risk to the
County while keeping the cost of construction activities as minimal as possible.
NOW THEREFORE, BE IT RESOLVED BY THE BOARD OF COUNTY
COMMISSIONERS OF MONROE COUNTY, FLORIDA:
Section 1. The 2023 version of the Risk Management Policy and Procedures Contract
Administration Manual is hereby adopted as the official policy of the County with
respect to insurance and risk management requirements that must followed by
County staff and all contracting parties. The insurance and risk management
requirements set forth in the Contract Manual shall be incorporated into all
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contracts and agreements by whatever name, including but not limited to leases,
and must be followed.
Section 2. The County Administrator is directed to issue an update to Administrative
Instruction 7500.9 in order to implement and disseminate this Contract Manual.
Section 3. This Resolution shall take effect inu-nediately upon adoption.
PASSED AND ADOPTED by the Board of County Commissioners of Monroe County, Florida,
at a regular meeting held on the 20nd day of September, 2023.
Mayor Craig Cates Yes
Mayor Pro Tem Holly Merrill Raschein Yes
Commissioner Michelle Lincoln Yes
Commissioner James K. Scholl
Yes
Commissioner David Rice Yes
BOARD OF COUNTY COMMISSIONERS
s IN MADOK, CLERK OF MONROE COUNTY, FLORIDA
Y. ®y
As Deputy Clerk j flMy—o T'
Approved as to form and legal sufficiency:
Monroe County Attorney's Office 9-5-2023
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Page 2 of 2
2023 Revision
MONROE COUNTY, FLORIDA
RISK MANAGEMENT POLICY AND PROCEDURES
CONTRACT ADMINISTRATION MANUAL
INTRODUCTION
This manual establishes the minimum Risk Management and Insurance requirements for
individuals, contractors, professionals, vendors, agencies and firms that perform work for or on
behalf of Monroe County, provide the County with products or services, use County property in
conjunction with their activities, or receive funding or grants from the County or enter into
interlocal agreements with the County.
To facilitate use of this Manual 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 — Persons, firms, contractors, and organizations
performing construction activities for or on behalf of the County, on or off County Property.
Other Contractors and Subcontractors and Professionals providing services pursuant to the
Consultants' Competitive Negotiation Act (Section 287.055, Florida Statutes "CCNA")
(including Trade Contractors) — Persons, firms, professionals, contractors, sub-contractors,
vendors and organizations that provide work, goods or services, including testing, inspections,
service and maintenance contracts, for or to the County or any of the professionals identified in
the CCNA.
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 airports,
airfields or activities involving the use of aircraft or lease of airport property.
Leases or Sub-Leases or Rental of County Property - Organizations leasing real and personal
property owned by the County. This section also includes organizations and firms that operate as
concessionaires or vendors on County property.
Architects and Errors and Omissions - Contracts involving the furnishing and performance of
professional architectural services.
Aircraft Liability - Vendors engaged in providing commercial aircraft services operating to and
from air facilities owned, operated, or maintained by the County.
All Risk Property Insurance -For a Lessee arrangement occupying leased property.
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Asbestos Abatement - Contracts involving the installation, removal, transporting, or disposal of
asbestos material.
Bailee's Liability - Contracts involving County property being in the care, custody, and control
of the Vendor.
Builder's Risk — Contracts requiring the Contractor to maintain Builder's Risk insurance on a
construction project for the County.
Cyber Liability — Insurance coverage required for data breach, network security, internet media
and similar other cyber related aspect of contracts.
Employee Dishonesty—Contract insurance coverage for loss of County funds or property caused
by the fraudulent or dishonest acts of the Vendor's employees or its agents.
Engineers Errors and Omissions - 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
Professional arising out of work governed by the contract.
Garage Liability - Contracts involving servicing and/or repair of County-owned vehicles,
extending to vehicles, owned or leased by the County, left with the Contractor for servicing,repair,
storage, or safekeeping.
General Liability — Contracts that require a Contractor to obtain Commercial General Liability
Insurance.
Liquor Liability - Work governed by a contract that involves the sales and/or distribution of
alcoholic beverages.
Hangarkeepers Legal Liability - Contracts involving the repair, servicing, maintenance, fueling,
or storage of aircraft.
Installation Floater Insurance - Contracts involving coverage for machinery and equipment,
while being transported, installed and tested.
Medical Professional Liability - Contracts involving the providing of professional medical
treatment.
Mold Remediation — Contracts involving the eliminating mold growth. This includes removal,
testing, demolition, sanitizing, containment and mold cleaning.
Motor Vehicle Cargo - Contracts involving County property being transported by the Contractor,
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and that most liability policies exclude coverage for such items.
Pollution Liability-Work governed by a contract that involves the storage,treatment, processing,
or transporting of hazardous materials.
Professional Liability—Work governed by a contract that involves the furnishing of advice or
services of a professional nature.
Underground Storage Tank Liability - Work governed by a contract that involves the
maintenance and operation of fuel tanks.
Business Automobile Liability -Work governed by a contract that requires the use of vehicles.
Hazardous Cargo Transporters Liability - Work governed by a contract that extends to the
hauling of toxic and hazardous material by motorized vehicles.
Workers' Compensation — Contractor's employer's liability insurance for coverage of employee
injury.
Water Craft Liability—Coverage for injury, damages associated with acts or omission of a vessel.
Indemnification, Hold Harmless and Defense provisions for construction contractors,
subcontractors, consultants, sub-consultants and professionals providing services pursuant to
CCNA; for the above references categories and also for inter-governmental agreements and
Federal Governmental agreements and where Federal grants are involved.
Waiver of Insurance Requirements and Request for Waiver form.
Some classifications sections of the Manual will apply to certain groups, while others will
only apply to specific groups.
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OBJECTIVE and GENERAL PROCEDURES
To reduce the number of claims and litigation brought against the County and the costs of
defending and paying for such alleged claims and legal actions, the County attempts to hold the
party or parties responsible for the alleged wrongdoing and claim accountable for their actions.
This is accomplished in two (2)ways.
First, the County requires that all parties that do work for, or on behalf of Monroe County, or that
provide goods or services to the County, or that utilize County property provide an
Indemnification, Hold Harmless and Defenses agreement in favor of Monroe County. Such an
agreement obligates the party to hold harmless, protect, indemnify and pay for any costs which
the County might incur arising out of their activities, including providing a defense attorney to the
County, as relates to the claims and actions. Various forms of Indemnification, Hold Harmless and
Defense agreements may be used, depending on the nature of the activity work, goods or services
involved. The individual sections of this Manual specify which agreement is appropriate and the
applicable terms and conditions. All agreements are contained in the section titled Indemnification,
Hold Harmless and Defense.
Second, to ensure that sufficient resources are available to satisfy the obligations assumed under
the Indemnification, Hold Harmless and Defenses 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 goods and services provided, and the risks involved. In addition,
the County requires that it be named as an "Additional Insured" on the contractor's, vendor's and
tenant's Liability policies. We also require that the County be named as a "Loss Payee" on
Builder's Risk policies.
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 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.
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Standard Insurance Requirements
As a general rule, all parties will be required to carry, as a minimum:
• Workers' Compensation and Employers' Liability Insurance
• General Liability Insurance
and
Business Automobile 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.
A general overview of these coverages and other issues that may assist the user of this Manual is
provided in the Glossary.
Certificates of Insurance
Verification that the parry has obtained the required insurance, is usually accomplished by the
furnishing of a Certificate of Insurance (COI). A COI summarizes the coverages that are being
maintained by the insured. It also specifies special provisions, such as the County being included
as an "Additional Insured". An industry standard COI has been developed which is used by most
insurance companies and agents.
Upon receipt of a COI, it will be reviewed to ensure that it includes all required types and amounts
of insurance for an acceptable coverage period, that the insurance company is acceptable to the
County, 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 COI shall be filed
with the contract documents and reviewed thirty days prior to the expiration date of any of the
insurance coverages reflected on the COI. At that time an updated certificate is required. A copy
of the updated certificate shall also be forwarded to Risk Management upon receipt.
General Procedures
The insurance requirements shall be established in conjunction with the development of the
project, activities, services, and procurement. 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 solicitations and procurement
documents. Unless insurance is waived by Risk Management, the "Insurance Checklist" will be
completed by the County's employee responsible for the project by marking the required coverages
with an "X". The form contains instructions for the proposer's insurance agent to review and sign
signifying that the required coverage is in place or will be timely obtained and provided if awarded
the project or contract.
If the project, work, services or activity is governed by a contract, the appropriate Insurance Forms
will be included as part of the contract documents and an original COI, approved by Risk
Management, is required for execution of the contract.
Requests for a waiver or modification to the insurance requirements or coverages must be timely
made in writing, and approved by Risk Management, utilizing the "Request for Waiver of
Insurance Requirements"form. The reasons 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.
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must be included on the"Request for Waiver of Insurance Requirements" request.
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INSURANCE CHECKLIST FOR VENDORS SUBMITTING PROPOSALS OR BIDS
FOR WORK
To assist in the development of your proposal, the insurance coverages marked with an "Y' will
be required in the event an award is made to your firm. It is also required that the bidder sign the
requisite form reflecting coverage and submit it with the proposal.
WORKERS'
COMPENSATION AND
EMPLOYERS' LIABILITY
X Workers' Compensation Statutory Limits
Bodily Injury by Accident/Bodily
Injury by Disease, policy
limits/Bodily Injury by Disease
each employee
WC1 Employers Liability $100,000/$500,000/$100,000
WC2 Employers Liability $500,000/$500,000/$500,000
WC3 Employers Liability $1,000,000/$1,000,000/$1,000,000
WCUSLH US Longshoremen & $1,000,000
Harbor Workers Act
WCJA Federal Jones Act $1,000,000
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GENERAL LIABILITY
As a minimum, the required general liability coverages will include:
• Premises Operations Products and Completed Operations
• Blanket Contractual Personal Injury
Required Limits:
GL1 $300,000 Combined Single Limit
GL2 $500,000 Combined Single Limit
GL3 $1,000,000 Combined Single Limit
GL4 $2,000,000 Combined Single Limit
GL5 $3,000,000 Combined Single Limit
GL6 $4,000,000 Combined Single Limit
GL7 $5,000,000 Combined Single Limit
Required Endorsement:
GLLIQ Liquor Liability
GLS Security Services
All endorsements are required to have the same limits as the basic policy.
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BUSINESS AUTOMOBILE
LIABILITY
As a minimum, coverage should extend to liability for:
• Owned; Non-owned; and Hired
Vehicles Required Limits:
VL1 $50,000 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 $200,000 per Person; $300,000 per Occurrence
$200,000 Property Damage
or
$300,000 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 Full Replacement Value of the completed
proj ect.
CL1 Cyber Liability $1,000,000
MVC Motor Truck Limits equal to the maximum
Cargo value of any one shipment.
PRO1 Professional $ 300,000 per Occurrence/$ 500,000 Agg.
PRO2 Liability $ 500,000 per Occurrence/$1,000,000 Agg.
PRO3 $1,000,000 per Occurrence/$2,000,000 Agg.
POL1 $ 500,000 per Occurrence/$1,000,000 Agg.
POL2 Pollution $1,000,000 per Occurrence/$2,000,000 Agg.
POL3 Liability $3,000,000 per Occurrence/$6,000,000 Agg.
POL4 $5,000,000 per Occurrence/$10,000,000 Agg.
ED1 Employee $ 10,000
ED2 Dishonesty $100,000
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GK1 Garage $ 300,000 ($ 25,000 per Vehicle)
GK2 Keepers $ 500,000 ($100,000 per Vehicle)
GK3 $1,000,000 ($250,000 per Vehicle)
MED1 $ 300,000/$ 750,000 Agg.
MED2 Medical $ 500,000/$ 1,000,000 Agg.
MED3 Professional $1,000,000/$ 3,000,000 Agg.
MED4 $5,000,000/$10,000,000 Agg.
IF Installation Maximum value of Equipment
Floater Installed
ASB Asbestos $2,000,000
Abatement
MRL Mold $1,000,000
Remediation
LBP Lead Based $1,000,000
Paint
Abatement
MLL Media $1,000,000
Legal
Liability
VLP1 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 County Property that
will be in the Bailee's possession.
HKL1 $ 300,000
HKL2 Hangarkeepers $ 500,000
HKL3 Liability $ 1,000,000
HKL4 $ 5,000,000
AIR1 $ 1,000,000
AIR2 Aircraft $ 5,000,000
AIR3 Liability $50,000,000
AEO1 $ 250,000 per Occurrence/$ 500,000 Agg.
AEO2 Architects Errors $ 500,000 per Occurrence/$1,000,000 Agg.
AEO3 & Omissions $ 1,000,000 per Occurrence/$3,000,000 Agg.
AEO4 $ 3,000,000 per Occurrence/$5,000,000 Agg.
ARP All Risk Property Full Replacement Value of Structure
EO1 $250,000 per Occurrence/$500,000 Agg
EO2 Engineers Errors $500,000 per Occurrence/$1,000,000 Agg.
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E03 and Omissions $1,000,000 per Occurrence/2,000,000 Agg.
E04 $5,000,000 per Occurrence/$10,000,000 Agg.
WL1 Watercraft $500,000 per Occurrence
WL2 Liability $1,000,000 per Occurrence
BIDDERS ACKNOWLEDGEMENT OF INSURANCE REQUIREMENTS
I understand the insurance that will be mandatory. If awarded the contract all insurance requirements will
be satisfied.
Bidders Name and Title Signature
Company Name
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Introduction to Construction Contractors and Subcontractors
This section of the Manual will apply to construction projects and activities utilizing
Contractors and Subcontractors. The types and amounts of insurance will be determined based
on the type of project, scope of work, and projected cost of the contract work. The fact that
the funds used to pay for the project were obtained from Federal, State, or other grants may
be relevant. If Federal grants are involved in the Agreement/Contract then use section FEDGRT
in addition to any other requirements applicable.
A special matrix of construction activities has been developed and incorporated within this
section below to assist in the designation of the proper insurance coverages and limits.
As a general rule, all contracts will include:
Indemnification, Hold Harmless and Defense Provisions
• General Insurance Requirements
• Workers' Compensation Provisions
• General Liability Provisions and
Business Automobile Liability Provisions
All questions should be directed to the County Risk Management department.
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General Insurance Requirements for Construction Contractors and Subcontractors
Prior to the commencement of work or services 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. Alternatively, 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 contract and 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. 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.
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SCHEDULE OF INSURANCE REQUIREMENTS FOR
CONSTRUCTION CONTRACTORS, SUBCONTRACTORS and PROFESSIONAL SERVICES
CONTRACT DESCRIPTION OF Under $10,001 $50,001 $100,001 $500,001 Over
TYPE WORK $10,000 To to$100,000 TO$500,000 TO$1 Million $1 Million
$50,000
PROVIDE AIRPORT CONSTRUCTION WC3 WC3 WC3 WC3 WC3
SERVICES GENERAL USING SUB- GL4 GL4 GL4 GL4 GL4
CONTRACTORS VL3 VL3 VL3 VL3 VL3
AIRPORT Referto Risk
CONSTRUCTION If work involves the structural integrity of the BR1 BR1 BR1 BR1 BR1 Management
building
If work involves the removal of asbestos ASB ASB ASB ASB ASB
PROFESSIONAL SERVICES IN THE WC1 WC1 WC1 WC1 WC1
ARCHITECTS AND DESIGN OF BUILDINGS SEWERS GL1 GL1 GL1 GL2 GL3 Refer to Risk
, ,
ENGINEERS VL1 VL1 VL1 VL1 VL1 Management
WATER MAINS,STREETS,ETC. AE01 AEO AE01 AEO AE03
PROFESSIONAL SERVICES IN THE WC1 WC1 WC1 WC1 WC1
ENGINEERS
ENGINEERING DESIGN OF BUILDINGS, GL1 GL1 GL1 GL2 GL3 Referto Risk SEWERS,WATERMAIN,STREET,ETC. VL1 VL1 VL1 VL1 VL1 ManagementE01 E01 E02 E02 E03
BRIDGE PROVIDE BRIDGE CONSTRUCTION WC3 WC3 WC3 WC3 WC3 Referto
CONSTRUCTION SERVICES OVER NAVIGABLE AND GL3 GL3 GL3 GL3 GL4 Risk
UN-NAVIGABLE WATERS VL3 VL3 VL3 VL3 VL3 Management
BUILDING REHABILITATION WC2 WC2 WC2 WC3 WC3
GENERALLY USING SUB- GL3 GL3 GL3 GL3 GL4
CONTRACTORS VL3 VL3 VL3 VL3 VL3
If work involves the structural Integrity of BR1 BR1 BR1 BR1 BR1
BUILDING the Building Referto Risk
REHABILITATION
Management
If work involves the removal of asbestos ASB ASB ASB ASB ASB
If work involves the removal of lead _BP _BP _BP _BP _BP
based paint
MARINA Refer to Refer to Refer to Refer to Refer to
CONTRACTORS PROVIDE MARINA CONSTRUCTION Risk Risk Risk Risk Risk Referto Risk
ALONG SHORELINE Mgt Mgt Mgt Mgt Mgt Management
BUILDING CONSTRUCTION SERVICES- WC1 WC1 WC2 WC3 WC3
USING SUB-CONTRACTORS, INCLUDES GL2 GL2 GL1 GL2 GL3
CONSTRUCTION OF PARKING LOTS VL1 VL1 VL2 VL2 VL3
GENERAL Refer to
CONTRACTORS Risk
NEW CONSTRUCTION BR1 BR1 BR1 BR1 BR1 Management
RENOVATIONS THAT INVOLVES THE
STRUCTURAL INTEGRITY OF THE BR1 BR1 BR1 BR1 BR1
BUILDING
PARKS&RECREATION CONSTRUCTION OF PARKS AND WC1 WC1 WC1 WC2 WC3 Referto Risk
AREA CONSTRUCTION PUBLIC RECREATION AREAS GL1 GL1 GL2 GL3 GL3 Management
VL1 VL1 VL1 VL2 VL3
ROAD CONSTRUCTION OR UNDERGROUND WORK SUCH WC1 WC1 WC2 WC3 WC3 Referto Risk
INVOLVING AS ROAD CONSTRUCTION,WATER GL1 VL2 GL1 GL2 GL2 GL3 Management
EXCAVATIONS, AND SEWER LINE INSTALLATION, GLXCU VL2 VL2 VL2 VL3
CULVERTS,ETC. TUNNELING CULVERTS,ETC. GLXCU GLXCU GLXCU GLXCU
INCLUDE FORM"CCS"INDEMNIFICATION,HOLD HARMLESS AND DEFENSE AGREEMENT IN CONTRACT
QUESTIONS SHOULD BE DIRECTED TO COUNTY RISK MANAGEMENT.
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Introduction to Other Contractors, Subcontractors and Professional Services Section
This section of the Manual will apply to Vendors and Contractors supplying goods or services to
the County which may not be in connection with a construction project or that provide certain
professional services. Generally, 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 may be relevant. If Federal grants are involved in the Agreement/Contract
then use section FEDGRT in addition to any other requirements applicable.
A special matrix 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, Hold Harmless and Defense Provisions
• General Insurance Requirements
• Workers' Compensation Provisions
• General Liability Provisions
and
Business Automobile Liability Provisions
Questions should be directed to County Risk Management.
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General Insurance Requirements for Other Contractors, Subcontractors and Professional
Services
As a pre-requisite of the work and services 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. Alternatively, 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:
• 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 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 "Request for "Waiver of Insurance Requirements" and
approved by Monroe County Risk Management Department.
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SCHEDULE OF INSURANCE REQUIREMENTS FOR OTHER CONTRACTORS,
SUBCONTRACTORS AND PROFESSIONAL SERVICES
DESCRIPTION OF n er ver
TYPE WORK $10,000 to$50,000 to$100,000 to$500,000 to$1 Million $1 Million
WC1
ASBESTOS ENCAPSULATING,REMOVING OR TESTING G1-1 WC1 GI-1 VI-1 WC1 GI-1 VI-1 WC2 GI-2 VI-2 WC3 GI-3 VI-2 Referto Risk
REMOVAL FOR ASBESTOS VL ASB ASB ASB ASB Management
ASB
PROVIDE PROFESSIONAL SERVICES,BOTH ON AND OFF
SITE SUCH AS MANAGEMENT AND FINANCIAL WC1 WC1 GI-1 VI-1 WC1 GI-1 VI-1 WC2 GI-2 VI-2 WC3 GI-3 VI-3
CONSULTING CONSULTANTS, VI-1Referto Risk
SERVICES INCLUDES SERVICES OF A PROFESSIONAL NATURE PRO1 PRO1 PRO1 PR02 PR03 Management
DELIVERY,LOADING AND UNLOADING WC1 WC1 WC1 WC1 WC1
DELIVERIES OF HEAVY EQUIPMENT OR GI-3 GI-3 GI-3 GI-3 GI-3 Referto
MACHINERY REQUIRING VI-2 VI-2 VI-2 VI-2 VI-3 Risk
CRANES OR RIGGING MVC MVC MVC MVC MVC Management
DELIVERY,LOADING AND UNLOADING WC1 WC1 WC1 WC2 WC2
DELIVERIES OF OTHER GOODS,SUCH AS OFFICE GI-1 GI-1 GI-1 GI-2 GI-2 Referto
SUPPLIES,AND LOW VALUED VI-1 VI-1 VI-2 VI-2 VI-2 Risk
EQUIPMENT MVC MVC MVC MVC MVC Management
GI-1 GI-1 GI-1 GI-1 GI-2
DERELICT REMOVING SUNKEN AND DERELICT VI-1 VI-1 VL1 VI-2 VI-3 Refer to
VESSEL VESSELS FROM WATERS IN WCJA WCJA WCJA WCJA WCJA Risk
RECOVERY OR AROUND THE COUNTY WI-1 WI-1 WI-1 WI-1 WI-2 Management
POL1 POL1 POL1 POL1 POL1
LICENSED ELECTRICAL CONTRACTORS WC1 WC1 WC1 WC2 WC2 Refer to
ELECTRICAL PROVIDING EITHER MAINTENANCE GI-1 GI-1 GI-1 GI-2 GI-3 Risk
CONTRACTORS OR INSTALLATION SERVICES VI-1 VI-1 VI-1 VI-1 VI-2 Management
MEDIA FIRMS/INDIVIDUALS THAT PROVIDE PUBLICATIONS,FILM, MILL MILL MILL MILL MILL Referto Risk
SERVICES VIDEO OR SPEECHES ABOUT THE COUNTY Management
WC1 WC1 GI-1 VI-1 WC1 GI-1 VI-1 WC1 GI-1 VI-1 WC1 GI-1 VI-1
ENVIRONMENTAL CONTRACTORS ENGAGED IN THE TESTING OR GI-1 VI-1 POL2
Risk
CONTRACTORS MONITORING OF SOIL,WATER OR AIR POL2 POL2 POL2 POL2 POL2 Management
PROVIDING FOOD SERVICES TO THE WC1 WC1 WC1 WC1 WC2 Refer to
FOOD SERVICES GI-1 GI-1 GI-1 GI-2 GI-3 Risk
ELDERLY AND OTHER CITIZENS VI-1 VI-1 VI-1 V12 VI-2 Management
DELIVERY,LOADING AND UNLOADING WC1 WC1 WC1 WC2 WC2
GL1 GI-1 GI-1 GI-2 GI-3
FUEL DELIVERIES OF TOXIC OR HAZARDOUS VI-1 VI-1 VI-1 VI-2 VI-3 Referto
SUBSTANCES SUCH AS OIL, VLP1 VLP1 VLP1 VLP2 VLP3 Risk
GASOLINE,CHLORINE,OTHER MVC MVC MVC MVC MVC Management
CHEMICALS MCS MCS I MCS MCS MCS
GARBAGE WC1 WC1 GI-1 VI-2 WC2 GI-1 VI-2 WC2 GI-2 VI-3 WC3 GI-3 VI-3
COLLECTION RESIDENTIAL AND COMMERCIAL GARBAGE GI-1 VI-2Referto Risk
SOLID WASTE COLLECTION POL2 POL2 POL2 POL2 POL2 Management
HOUSEHOLD ORGANIZATIONS RESPONSIBLE FOR RECEIVING AND WC1 WC1 GI-1 VI-2 WC2 GI-1 VI-2 WC2 GI-2 VI-3 WC3 GI-3 VI-3 Referto Risk
HAZARDOUS DISPOSING OF PAINTS,OILS, AND SOLVENTS FROM GI-1 VL1 POL2 POL2 POL2 POL2
POL2 Management
INSTALLATION AND INSTALLATION NOT IN A PUBLIC WC1 WC1 WC1 WC2 WC3 Refer to
MAINTENANCE- BUILDING SUCH AS FENCING, GI-1 GI-1 GI-1 GI-2 GI-3 Risk
OUTSIDE LANDSCAPING,TREES,ETC VI-1 VI-1 VI-1 VI-2 VI-3 Management
INSTRUMENT THE TESTING AND CALIBRATION OF FIRE, MEDICAL WC1 WC1 GI-2 VI-1 WC1 GL2 VL1 WC2 GL3 VL2 WC1 GI-3 VI-3 Referto Risk
TESTING AND AND BIO-MEDICAL EQUIPMENT GI-2 VI-2Management
INTERNET,
WEBSITE AND THE PROVIDING AND/OR DEVELOPING OF INTERNET, GWC1 WC1 GL2 V12 WC1 GL2 V12 WC1 GL2 V12 WC1 GI-2 V12 Referto Risk
CLOUD WEBSITE AND CLOUD SERVICES CL1 CL1 CL1 CL1 CL1
PROVIDERS AND Management
WC1 WC1 WC1 WC2 WC2
JANITORIAL CLEANING COUNTY BUILDINGS VI-1 VI-1 VI-1 VI-2 VI-2 Referto
SERVICES (WITH OR)WITHOUT COUNTY ED1 ED1 ED1 ED2 ED2 Risk
SUPERVISION GI-1 GI-1 GI-1 GI-2 GI-2 Management
%;,Vor t:a
/101 I"I'I:!':P/III q/1I011 1 ti1111( I OR IN P/I0 h Ad II)/!i/I IIII/11 111 01 VIIC71.1::) I/II'N... I/II'N... I/II'N... I/II'N... I/II'N... Rir'lk.
1/I inoq n7 iont
GI-1 GI-1 GI-1 GI-2 GI-3 Referto
LABTESTING GENERAL LAB TESTING VI-1 VI-1 VI-1 VI-2 VI-3 Refer
PRO1 PRO1 PRO1 PR02 PR03 Management
WC1 WC1 WC1 WC1 WC1
GI-1 GI-1 GI-1 GI-2 GI-3
CLEARING LOTS,MOWING, Referto Risk
LANDSCAPING V
SHRUBBERYWORK,ETC WC1
VI-1 VI-1 VI-2 VI-3 Management
WC1 WC1 WC1 WC1 WC1
GI-1 GI-1 GI-1 GI-1 GI-2
MARINE SERVICES INVOLVING THE MASTER OR CREW OF VI-1 VI-1 VI-1 VI-1 VI-1 Refer to Risk
CONSTRACTORS WATERCRAFT VESSELS WCJA WCJA WCJA WCJA WCJA Management
WI-2 WI-2 WI-2 WI-2 WI-2
17
Administrative Instruction 7500
2023 Revision
SCHEDULE OF INSURANCE REQUIREMENTS FOR OTHER CONTRACTORS,
SUBCONTRACTORS AND PROFESSIONAL SERVICES
CONTRACT DESCRIPTION OF Under $10,001 $50,001 $100,001 $500,001 Over
TYPE WORK $10,000 to$50,000 to$100,000 TO$500,000 TO$1 Million $1 Million
PROVIDING MEDICAL AND PSYCHIATRIC WC1 WC1 WC1 WC1 WC1
SERVICES TO CITIZENS,EMPLOYEES, Refer to
MEDICAL GL1 GL1 GL1 GL1 GL1
SERVICES EMPLOYEE APPLICANTS,DRUG TESTING VL2 VL2 VL2 VL2 VL2 Risk
&PHYSIOLOGICAL TESTING EMPLOYEES APPLICANT'S MED1 MED1 MED2 MED3 MED3 Management
DRUG TESTING&PHYSIOLOGICICAL TESTING OF EMPLOYEES
PROVIDING SPECIALIZED SERVICES
AND TEMPORARY HELP WHERE WC1 WC1 WC1 WC2 WC3 Refer to
ON-SITE SERVICES
CONTRACTOR'S EMPLOYEES WORK ON COUNTY PROPERTY, GL1 GL1 GL1 GL2 GL3
USING COUNTY EQUIPMENT AND UNDER COUNTY VL1 VL1 VL1 VL2 VL3 Risk
SUPERVISION FOR EXTENDED PERIODS(NOT INDIVIDUAL Management
EMPLOYMENT CONTRACTS)
WC1 WC1 WC1 WC2 WC3 Refer to
PARKING LOT FIRMS ENGAGED IN OPERATING PARKING GL1 GL1 GL1 GL2 GL3 Risk
OPERATIONS FACILITIES ON COUNTY OWNED PROPERTY VL1 VL1 VL1 VL2 VL3 Management
GK1 GK1 GK1 GK2 GK3
WC1 WC1 WC2 WC2 WC2
PEST CONTROL FIRMS ENGAGED IN THE ELIMINATION OF BUGS, RODENTS, GL1 GL1 GL2 GL2 GL3 Refer to Risk
AND SIMILAR ANIMALS. VL1 VL1 VL2 VL2 VL3 Management
POL1 POL1 POL1 POL1 POL2
FROM COUNTY BUILDINGS,PRIVATE WC1 WC1 WC1 WC2 WC3 Refer to
RESIDENCES,PUBLIC STREETS AND GL1 GL1 GL1 GL2 GL3
REFUSE PICKUP PARKS AND INCLUDES SOLID WASTE, VL2 VL2 VL2 VL2 VL3 Risk
Management
SEWAGE&OTHER HAZARDOUS MATERIALS POL2 POL2 POL2 POL2 POL3
REPAIRS/MAINTENANCE TO COUNTY-OWNED WC1 WC1 WC1 WC2 WC3 Refer to
REPAIRS/MAINT. EQUIPMENT IN COUNTY BUILDINGS,SUCH GL1 GL1 GL1 GL2 GL3 Risk
AS OFFICE MACHINES,COPIERS, VL1 VL1 VL1 VL2 VL3 Management
FIRE EXTINGUISHERS,ETC.
REPAIRS TO COUNTY-OWNED EQUIP- WC1 WC1 WC1 WC2 WC3 Refer to
MENT AT CONTRACTOR'S SITE,SUCH GL1 GL1 GL1 GL2 GL3
REPAIRS,OUTSIDE AS RADIO AND COMMUNICATION VL1 VL1 VL1 VL2 VL3 Risk
EQUIPMENT,PUMPS AND MOTORS BILL BILL BILL BILL BILLManagement
ROAD OR RIGHT OF
WAY WORK ON COUNTY ROADS AND WC2 WC2 WC2 WC3 WC3 Refer to
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
ORGANIZATIONS ENGAGED TO WC1 WC1 WC1 WC1 WC1
SEAWDOCK INE MAINTAIN OR REBUILD GL1 GL1 GL1 GL1 GL2 Refer to
MAINTENANCE COUNTY OWNED VL1 VL1 VL1 VL2 VL2 Is
Management
SEAWALLS OR MARINE DOCKS WCUSLH WCUSLH WCUSLH WCUSLH WCUSLH
ORGANIZATIONS ENGAGED IN THE PROVIDING OF GUARD WC1 WC1 WC1 WC2 WC3
SECURITY SERVICES AND OTHER GL1 GL1 GL2 GL2 GL3 Refer to Risk
SECURITY SERVICES GLS GLS GLS GLS GLS Management
VL1 VL1 VL1 VL2 VL3
SERVICE AND SERVICE AND DELIVERIES OF NON OWNED COUNTY WC1 WC1 WC1 WC1 WC1
DELIVERIES ITEMS PROPERTY SUCH AS VENDING MACHINES,ATMS AND OTHER GL1 GL1 GL1 GL1 GL1 Refer to Risk
NOT OWNEDEDBY BY COUNTY SIMILAR ITEMS VL1 VL1 VL1 VL1 VL1 Management
SHIP REPAIR REPAIR OR CONSTRUCTION WC1 WC1 WC1 WC2 WC3 Refer to
OR OF COUNTY OWNED GL1 GL1 GL1 GL2 GL2 Risk
CONSTRUCTION WATERCRAFT VL1 VL1 VL1 VL2 VL2 Management
TRADE SERVICES ON OR OFF COUNTY
TRADES/MAINT. PROPERTY SUCH AS EXTERMINATORS WC1 WC1 WC2 WC2 WC3 Refer to
SERVICES CARPET INSTALLATION,WINDOW GL1 GL1 GL2 GL2 GL3 Risk
CLEANING,ELEVATOR REPAIR, VL1 VL1 VL2 VL2 VL3 Management
ROOFING AND PAINTING
TRADE SERVICES ON OR OFF WC1 WC1 WC1 WC2 WC3
TRADES/MAINT. PUBLIC PROPERTY SUCH AS AUTO GL1 GL1 GL1 GL2 GL3 Refer to
SERVICES GLASS REPLACEMENT,TIRE VL1 VL1 VL1 VL2 VL3 Risk
NVOLVING VEHICLES REPAIRS,ETC GK1 GK1 GK1 GK2 GK3 Management
PROVIDING TRANSPORTATION FOR WC1 WC1 WC1 WC2 WC3 Refer to
EITHER COUNTY EMPLOYEES OR
TRANSPORTATION GL1 GL1 GL1 GL2 GL3 Risk
NON-COUNTY EMPLOYEES TO INCLUDE VL2 VL2 VL2 VL3 VL3 Management
TRANSPORTING THE ELDERLY AND HANDICAPPED
18
Administrative Instruction 7500
2023 Revision
SCHEDULE OF INSURANCE REQUIREMENTS
FOR OTHER CONTRACTORS,
SUBCONTRACTORS AND PROFESSIONAL
SERVICES
CONTRACT DESCRIPTION OF Under $10,001 $60,001 $100,001 $600,001 Over
TYPE WORK $10,000 TO to TO$60,000 $100 000 $5 0 000 Million
on $1 Million
SERVICES PERFORMED AT
CONTRACTORS WC1 WC1 WC1 WC2
SHOP ON COUNTY WC3
GL1 GL1 GL1 GI-2 WC3to
VEHICLE VEHICLES,SUCH AS VL1 VL1 VL1 VI-2 GI-3 Risk
SERVICES PAINTING, BODY GK1 GK1 GK1 GK2 VI-3 Management
WORK,MECHANICAL, GK3
ETC.&INCLUDES
MODIFICATION TO
THE TRANSPORTATION OF WC1 WC1 WC2 WC2 WC3GL1 GL1 GL1 GI-2 GI-2 Risk
to
WASTE HAUL OUT WASTE FROM THE VI-2 VI-2 VI-2 VI-3 VI-3 ManagementCOUNTY POL1 POL1 POL1 POL2 POL2 Management
WASTE OPERATIONS AND WC2 WC2 WC2 WC2 WC3 Refer to
PROCESSING MAINTENANCE OF THE GI-4 GI-4 GI-4 GI-4 GI-4 Risk
PLANT COUNTY'S WASTE VI-2 VI-2 VI-2 VI-2 VI-2 Management
OPERATIONS I PROCESSING FACILITIES ARP ARP ARP ARP ARP
INCLUDE FORM "OCS"INDEMNIFICATION AND HOLD HARMLESS AND DEFENSES AGREEMENT IN
CONTRACT
QUESTIONS SHOULD BE DIRECTED TO COUNTY RISK MANAGEMENT.
19
Administrative Instruction 7500
2023 Revision
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 crowds and often include 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 County Risk Management.
20
Administrative Instruction 7500
2023 Revision
General Insurance Requirements for Public Welfare and Special Events
Asa 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 or activities 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 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 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.
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.
21
Administrative Instruction 7500
2023 Revision
SCHEDULE OF INSURANCE REQUIREMENTS FOR PUBLIC WELFARE AND
SPECIAL EVENTS
Description of Examples of Required
Activities Events Insurance or
Forms
Assistance to Soup Kitchens, Shelters PWSE
the Needy
Commercial Ventures WC2
Circus with Animals and GI-3
High Risk Acts VI-2
Rock Concerts and GI-2
Concerts/ Other Events Providing VI-2
Performers Entertainment to MUS
the General Public
Public Service and
Non Profit Organizations
providing Care of Life
Counseling such as
Counseling Substance Abuse,Job PWSE
Health&Medical Training,and Senior
Citizen Programs,
Drug&Alcohol Support
&Public Immunization
Displays On or Off
Fireworks County Property which GI-3
Require Permits
22
Administrative Instruction 7500
2023 Revision
SCHEDULE OF INSURANCE REQUIREMENTS FOR PUBLIC WELFARE AND
SPECIAL EVENTS
Description of Examples of Required
Activities Events Insurance or
Forms
Handicapped and Special Olympics and
the Disabled Goodwill PWSE
Events
Agreements with and
Interlocal between local INTGVT
Agreements governmental
agencies
The sale of liquor.
Required insurance is GLLIQ
Liquor Sales in addition to those
specified under the
activity
Local events
funded by the Triathlons, Beach or
Tourist Summer Fests,and PWSE
Development Festivals
Council
WC2,GL3,VI-2
Movie/TV Productions If aircraft or
Productions Utilizing watercraft are
County Property involved refer to Risk
Management
National Major
Events WC3
Funded by Activities such as GI-3
Tourist Power Boat Races VI-2
Council
Political Party Conventions PWSE
N.O.W.;Aids
Public Awareness
Interest Racial/Ethnic Groups PWSE
AARP
Organized Motor Car and Refer to
Racing Watercraft Regattas Risk Management
Football, Baseball and
Organized Sporting All Professional Sports Refer to
Events Any Event Requiring Risk Management
Parades a County Parade PWSE
Permit
INCLUDE FORM "PWSE, ""FEDGRT'OR"INTCGT'INDEMNIFICATION,HOLD HARMLESS AND
DEFENSE AGREEMENT IN CONTRACT
QUESTIONS SHOULD BE DIRECTED TO COUNTY RISK MANAGEMENT.
23
Administrative Instruction 7500
2023 Revision
Introduction to Airport/Aircraft Activities Section
This section of the Manual applies to activities 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 may alter the types and amounts of
insurance being required.
The insurance provisions for construction projects at the Airports will be governed by the section
of this manual entitled Construction Contractors and Subcontractors.
A special matrix of activities has been developed and incorporated within this section below to
assist in the designation 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
Business Automobile Liability Provisions
and
Airport or Aircraft Liability Provisions
Questions should be directed to County Risk Management.
24
Administrative Instruction 7500
2023 Revision
General Insurance Requirements for Airport/Aircraft Activities
Prior to the commencement of work or services governed by this contract (including the pre-
staging of 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 or services 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.
The Vendor 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 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 form entitled "Request for "Waiver of Insurance Requirements" and
approved by Monroe County Risk Management.
25
Administrative Instruction 7500
2023 Revision
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$100,000 to$500,000 to$1 Million $1 Million
WC3 WC3 WC3 WC3 WC3 Referto
EVENTS UTILIZING GL3 GL3 GL3 GL3 GL3 Risk
AIR SHOWS COUNTYAIRFIELDS VL2 VL2 VL2 VL2 VL3 Mgmt.
ORAIRPORTS AIR1 AIR1 AIR1 AIR1 AIR2
COMMERCIAL AIRLINES WITH WC3 WC3 WC3 WC3 WC3 WC3
AIRLINES SCHEDULED SERVICE TO COUNTY GL3 GL3 GL3 GL3 GL3 GL3
OWNEDAIRFIELDS 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
WC1 WC1 WC1 WC2 WC3
ASBESTOS ENCAPSULATING,REMOVING OR GL1 GL1 GL1 GL2 GL3 Referto
REMOVAL TESTING FOR ASBESTOS VL2 VL2 VL2 VL2 VL2 Risk
ASB ASB ASB ASB ASB Mgmt.
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 Referto
DELIVERIES OF HEAVY EQUIPMENT OR WC1 WC1 WC1 WC2 WC2 Risk
MACHIGL1 GL1 GL1 GL2 GL3 Mgmt.
CRANES
O REQUIRING VL2 VL2 VL2 VL2 VL3 g
CRANES OR RIGGING
DELIVERY,LOADING AND UNLOADING WC1 WC1 WC1 WC2 WC2 Referto
DELIVERIES OF OTHER GOODS,SUCH AS OFFICE GL1 GL1 GL1 GL2 GL2 Risk
SUPPLIES,AND LOW VALUED EQUIPMENT VL2 VL2 VL2 VL2 VL2 Mgmt.
ORGANIZATIONS ENGAGED IN THE WC3 WC3 WC3 WC4 WC4 WC4
GL4 GL4 GL4 GL3 GL3 GL3
FIXEDBASE REPAIR,SERVICING,MAINTENANCE,
VL4 VL4 VL4 VL3 VL3 VL3
OPERATORS FUELING AND TIE-DOWN OF AIRCRAFT
IF FBO MAINTAINS FUEL TANKS HKL4 HKL4 HKL4 HKL4 HKL4 HKL4
UST UST UST UST UST UST
WC1 WC1 WC1 WC2 WC2
GL1 GL1 GL1 GL2 GL2 Referto
FOODSERVICES RESTAURANT AND VL2 VL2 VL2 VL2 VL2 Risk
LIQUOR LOUNGES GLLIQ GLLIQ GLLIQ GLLIQ GLLIQ
Mgmt.
DELIVERY,LOADING AND UNLOADING WC1 WC1 WC1 WC1 WC1
OF TOXIC OR HAZARDOUS GL1 GL1 GL1 GL2 GL3 Referto
DELIVERIES SUBSTANCES SUCH AS OIL, VL2 VL2 VL2 VL2 VL3 Risk
GASOLINE,CHLORINE,&OTHER VLP1 VLP1 VLP1 VLP2 VLP3 Mgmt.
CHEMICALS MVC MVC MVC MVC MVC
DELIVERY,LOADING OR UNLOADING
OF OTHER GOODS,SUCH AS OFFICE WC2 WC2 WC2 WC2 WC2 WC2
DELIVERIES SUPPLIES,AND LOW VALUED GL2 GL2 GL2 GL2 GL2 GL2
EQUIPMENT VL2 VL2 VL2 VL2 VL2 VL2
ORGANIZATIONS ENGAGED IN THE WC2 WC2 WC2 WC2 WC2 WC2
GIFT SHOPS SALE OF MERCHANDISE TO THE GL2 GL2 GL2 GL2 GL2 GL2
GENERAL PUBLIC. DOES NOT INCLUDE VL2 VL2 VL2 VL2 VL2 VL2
RESTAURANTS AND LOUNGES.
ORGANIZATIONS ENGAGED IN THE WC1 WC1 WC1 WC1 WC1 Referto
GENERALGROUND GENERAL MAINTENANCE OFAIRPORT GL1 GL1 GL2 GL2 GL3 Risk
MAINTENANCE GROUNDS TO INCLUDE CUTTING OF VL2 VL2 VL2 VL2 VL3 Mgmt.
GRASS,PAINTING OF BUILDINGS,ETC.
26
Administrative Instruction 7500
2023 Revision
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$100,000 to$500,000 to$1 Million $1 Million
HANGER CORPORATIONS OR INDIVIDUALS WHO
LEASE LEASE LAND FOR HANGER SPACE GL1 GL1 GL1 GL1 GL1 GL1
DIRECTLY FROM THE COUNTY
WC1 WC1 WC1 WC1 WC1 Referto
JANITORIAL (WITH OR)WITHOUT COUNTY VI-2 VI-2 VI-2 VI-2 VI-2 Risk
SERVICES SUPERVISION ED1 ED1 ED1 ED2 ED2 Management
GL1 GL1 GL1 GI-2 GI-2
CLEARING LOTS,MOWING, WC1 WC1 WC1 WC1 WC1 Referto
LANDSCAPING GL1 GL1 GL1 GL1 GI-2 Risk
SHRUBBERYWORK,ETC VI-2 VI-2 VI-2 VI-2 VI-3 Management
PARKING LOT FIRMS ENGAGED IN OPERATING WC1 WC1 WC1 WC2 WC3 Referto
OPERATIONS PARKING FACILITIES ON COUNTY GL1 GL1 GL1 GI-2 GI-3 Risk
PROPERTY GK1 GK1 GK1 GK2 GK3 Management
FROM COUNTY AIRPORTS AND GL1 VI-2 GL1 VI-2 GL1 VI-2 GL2 VI-2 GL3 VI-3 Referto
REFUSE PICKUP AIRFIELDS POL1 POL1 POL POL2 POL3 Risk
Management
ORGANIZATIONS ENGAGED IN THE
SERVICING OF RUNWAYS AND
ASSOCIATED EQUIPMENT TO INCLUDE
LIGHTS AND RADAR
WC1 WC1 WC1 WC1 WC1 WC1
RUNWAYSERVICE CONTRACTS VALUED LESS THAN GI-2 GI-2 GI-2 GI-2 GI-2 GI-2
ANDMAINTENANCE $100,000 VI-2 VI-2 VI-2 VI-2 VI-2 VI-2
WC3 WC3 WC3 WC3 WC3 WC3
CONTRACTS VALUED MORE THAN GI-3 GI-3 GI-3 GI-3 GI-3 GI-3
$100,000 VI-3 VI-3 VI-3 VI-3 VI-3 VI-3
ORGANIZATIONS ENGAGED IN THE WC1 WC1 WC1 WC2 WC3 Referto
SECURITY PROVIDING OF GUARD AND OTHER GL1 GL1 GI-2 GI-3 GI-3 Risk
SERVICES SECURITY SERVICES VI-2 VI-2 VI-2 VI-3 VI-3 Management
TRADE SERVICES ON OR OFF COUNTY GLS GLS GLS GLS GLS
PROVIDING TAXI AND/OR LIMO WC1 WC1 WC1 WC1 WC1 WC1
TAXI/LIMO SERVICE TO MEMBERS OF THE GL1 GL1 GL1 GL1 GL1 GL1
SERVICE GENERAL PUBLIC TO AND FROM VI-2 VI-2 VI-2 VI-2 VI-2 VI-2
AIRPORT FACILITIES
PROPERTY SUCH AS EXTERMINATORS GL1 GL1 GI-2 GI-2 GI-3 Referto
TRADES/MAINT. CARPET INSTALLATION,WINDOW VI-2 VI-2 VI-2 VI-2 VI-3 Risk
SERVICES CLEANING,ELEVATOR REPAIR,ROOFING AND PAINTING WC1 WC1 WC1 WC1 WC1 Management
INCLUDE FORM "AIR"INDEMNIFICATION,HOLD HARMLESS AND DEFENSE
AGREEMENT IN CONTRACT
QUESTIONS SHOULD BE DIRECTED TO COUNTY RISK MANAGEMENT.
27
Administrative Instruction 7500
2023 Revision
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, Hold Harmless and Defense Provisions
• General Insurance Requirements
All Risk Property Provisions
• General Liability Provisions
and
• Workers' Compensation Provisions
If a County-owned vehicle is leased or rented, Business Automobile Liability Insurance will be
required to include physical damage coverage.
All agreements must incorporate the Form "PROP" Indemnification and Hold Harmless
agreement.
QUESTIONS SHOULD BE DIRECTED TO COUNTY RISK MANAGEMENT.
28
Administrative Instruction 7500
2023 Revision
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 Organization/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.
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.
29
Administrative Instruction 7500
2023 Revision
ALL RISK PROPERTY INSURANCE REQUIREMENTS
FOR
LEASES/RENTALS OF COUNTY-OWNED PROPERTY
FOR
CONTRACT
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 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 will be named as Additional Insured and
Loss Payee on all policies issued to satisfy the above requirements.
30
Administrative Instruction 7500
2023 Revision
GENERAL LIABILITY INSURANCE REQUIREMENTS
FOR
LEASE/RENTAL OF PROPERTY OWNED BY THE COUNTY
FOR
CONTRACT
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 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
• Fire Legal Liability(with limits equal to the fair market value of the leased property.)
The minimum limits acceptable is:
$1,000,000 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 termination of the Lease/Rental Agreement.
The Monroe County Board of County Commissioners will be named as Additional Insured and
Loss Payee on all policies issued to satisfy the above requirements.
31
Administrative Instruction 7500
2023 Revision
BUSINESS AUTOMOBILE LIABILITY INSURANCE REQUIREMENTS
FOR
LEASES/RENTALS OF COUNTY-OWNED PROPERTY
FOR
CONTRACT
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 Business Automobile
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 is:
$300,000 Combined Single Limit(CSL)
ACV for Physical Damage
The Monroe County Board of County Commissioners will 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 will be named a"Loss
Payee" with respect to the Physical Damage protection.
32
Administrative Instruction 7500
2023 Revision
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 Professional will purchase and maintain, throughout the life of the contract, Architects
Errors and Omissions Liability Insurance or 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 Professional arising out of work governed by this contract. This insurance
will be maintained in force for a period of two years after the date of Substantial Completion of
the Project.
The minimum limits of liability are:
$250,000 per Occurrence/$500,000 Aggregate
33
Administrative Instruction 7500
2023 Revision
AEO1
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 Professional will 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 Professional
arising out of work governed by this contract. This insurance will be maintained in force for a
period of two years after the date of Substantial Completion of the Project.
The minimum limits of liability are:
$500,000 per Occurrence/$1,000,000 Aggregate
34
Administrative Instruction 7500
2023 Revision
AE02
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 Professional will 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 Professional
arising out of work governed by this contract. This insurance will be maintained in force for a
period of two years after the date of Substantial Completion of the Project.
The minimum limits of liability are:
$1,000,000 per Occurrence/$3,000,000 Aggregate
35
Administrative Instruction 7500
2023 Revision
AE03
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 Professional will 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 Professional
arising out of work governed by this contract. This insurance will be maintained in force for a
period of two years after the date of Substantial Completion of the Project.
The minimum limits of liability are:
$3,000,000 per Occurrence/$5,000,000 Aggregate
36
Administrative Instruction 7500
2023 Revision
AE04
AIRCRAFT LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT BETWEEN
MONROE COUNTY, FLORIDA
AND
Recognizing that the Vendor is engaged in providing commercial aircraft services operating to and
from air facilities owned, operated, or maintained by the County, the Vendor will purchase and
maintain, throughout the life of the contract, Aircraft Liability Insurance which will respond to
bodily injury and property damages resulting from any claim arising out of the aircraft services
governed by this contract.
The covered operations section of the policy must specifically state that the Vendor is engaged in
providing commercial aircraft services.
The Monroe County Board of County Commissioners must be named as Additional Insured.
The minimum limit of liability is $1 million per occurrence.
AIR1
37
Administrative Instruction 7500
2023 Revision
38
Administrative Instruction 7500
2023 Revision
AIRCRAFT LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT BETWEEN
MONROE COUNTY, FLORIDA
AND
Recognizing that the Vendor is engaged in providing commercial aircraft services operating to and
from air facilities owned, operated, or maintained by the County, the Vendor will purchase and
maintain, throughout the life of the contract, Aircraft Liability Insurance which will respond to
bodily injury and property damages resulting from any claim arising out of the aircraft services
governed by this contract.
The covered operations section of the policy must specifically state that the Vendor is engaged in
providing commercial aircraft services.
The Monroe County Board of County Commissioners must be named as Additional Insured.
The minimum limit of liability is $5 million per occurrence.
AIR2
39
Administrative Instruction 7500
2023 Revision
AIRCRAFT LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT BETWEEN
MONROE COUNTY, FLORIDA
AND
Recognizing that the Vendor is engaged in providing commercial aircraft services operating to and
from air facilities owned, operated, or maintained by the County, the Vendor will purchase and
maintain, throughout the life of the contract, Aircraft Liability Insurance which will respond to
bodily injury and property damages resulting from any claim arising out of the aircraft services
governed by this contract.
The covered operations section of the policy must specifically state that the Vendor is engaged in
providing commercial aircraft services.
The Monroe County Board of County Commissioners must be named as Additional Insured.
The minimum limit of liability is $50 million per occurrence.
AM3
40
Administrative Instruction 7500
2023 Revision
ALL RISK PROPERTY
INSURANCE REQUIREMENTS
FOR LEASES/RENTALS OF COUNTY PROPERTY
BETWEEN
MONROE COUNTY, FLORIDA
AND
Prior to the Lessee occupying the leased property that is the subject of this agreement, the Lessee
will obtain All Risk Property Insurance (to include the perils of Flood and Wind) with limits no
less than the Full Replacement Cost Value of the property being leased or rented. Coverage will
be maintained throughout the life of the lease and will include, as a minimum, 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 must be named as
Loss Payee on all policies issued to satisfy the above requirements.
ARP
41
Administrative Instruction 7500
2023 Revision
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 will purchase and maintain Asbestos
Abatement Liability Insurance with limits no less than $2,000,000. If the policy is structured on a
"Claims Made Basis" the policy must contain a "Retroactive Date" of no later than the
commencement of work and will have an extended reporting period of four(4) years.
ASB
42
Administrative Instruction 7500
2023 Revision
BAILEE 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 Vendor, and that most liability policies exclude coverage for such
items, the Vendor will be required to maintain Bailee's Liability Insurance in amounts no less than
the Full Replacement Value of the property in the possession of the Vendor.
Maximum value of the County's property which is in the possession of the Vendor:
Must be completed by the County
BLL
43
Administrative Instruction 7500
2023 Revision
BUILDER'S RISK
INSURANCE REQUIREMENTS
FOR
CONTRACT BETWEEN
MONROE COUNTY, FLORIDA
AND
The Contractor is 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 will include:
Theft Aircraft
Hail Smoke
Explosion Fire
Riot Collapse
Civil Commotion Vehicles
The policy limits will be no less than the amount of the Full Replacement Value of the completed
structure and coverage will be provided on a Completed Value Basis.
Property, materials, or supplies located on the construction premises, which are intended to
become a permanent part of the building, will be included as property insured.
The policy will be endorsed permitting the County to occupy the building prior to completion
without effecting the coverage.
Monroe County Board of County Commissioners shall be included as a Named Insured as their
interest may appear(ATIMA).
The policy will be endorsed to include the Monroe County Board of County Commissioners as
the Loss Payee.
The Contractor shall ensure that the County will be involved with all claim activities to include the
settlement of all claims. No claims will be finalized without the prior approval of the County.
Wind and flood are desired; however, have been removed as a formal requirement and limits can be
altered as needed due to cost. The Risk Manager is authorized to make changes to the Builders
Risk requirement including waivers as needed, in order to accomplish the primary interest of
minimizing risk to the County while keeping the cost of construction activities as minimal as
possible.
44
Administrative Instruction 7500
2023 Revision
BR 1
CYBER LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT BETWEEN
MONROE COUNTY, FLORIDA
AND
Prior to the commencement of work governed by this contract, the Contractor will obtain Cyber
Liability Insurance. Coverage will be maintained throughout the life of the contract and include
the following coverages:
• Data Breach
• Network Security Liability
• Internet Media
• Network Extortion
• Regulatory Proceedings
• PCI Fines and Costs
The minimum limit acceptable is:
$1,000,000
45
Administrative Instruction 7500
2023 Revision
CL1
46
Administrative Instruction 7500
2023 Revision
EMPLOYEE DISHONESTY
INSURANCE REQUIREMENTS
FOR
CONTRACT BETWEEN
MONROE COUNTY, FLORIDA
AND
The Vendor will purchase and maintain, throughout the term of the contract,Employee Dishonesty
Insurance which will pay for the loss of County funds or property caused by the fraudulent or
dishonest acts of the Vendor's employees or its agents, whether acting alone or in collusion of
others.
The minimum limit is:
$10,000 per Occurrence
ED1
47
Administrative Instruction 7500
2023 Revision
EMPLOYEE DISHONESTY
INSURANCE REQUIREMENTS
FOR
CONTRACT BETWEEN
MONROE COUNTY, FLORIDA
AND
The Vendor will purchase and maintain, throughout the term of the contract,Employee Dishonesty
Insurance which will pay for the loss of County funds or property caused by the fraudulent or
dishonest acts of the Vendor's employees or its agents, whether acting alone or in collusion of
others.
The minimum limit is:
$100,000 per Occurrence
ED2
48
Administrative Instruction 7500
2023 Revision
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 Professional will 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 Professional
arising out of work governed by this contract. This insurance will be maintained in force for a
period of two years after the date of Substantial Completion of the Project.
The minimum limits of liability are:
$250,000 per Occurrence/$500,000 Aggregate
E01
49
Administrative Instruction 7500
2023 Revision
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 Professional will 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 Professional
arising out of work governed by this contract. This insurance will be maintained in force for a
period of two years after the date of Substantial Completion of the Project.
The minimum limits of liability are:
$500,000 per Occurrence/$1,000,000 Aggregate
E02
50
Administrative Instruction 7500
2023 Revision
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 Professional will 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 Professional
arising out of work governed by this contract. This insurance will be maintained in force for a
period of two years after the date of Substantial Completion of the Project.
The minimum limits of liability are:
$1,000,000 per Occurrence/$2,000,000 Aggregate
E03
51
Administrative Instruction 7500
2023 Revision
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 Professional will 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 Professional
arising out of work governed by this contract. This insurance will be maintained in force for a
period of two years after the date of Substantial Completion of the Project.
The minimum limits of liability are:
$5,000,000 per Occurrence/$10,000,000 Aggregate
E04
52
Administrative Instruction 7500
2023 Revision
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 Liability
• Business Automobile Liability
• Contractual Liability
• Products and Completed Operations Liability
• Garage Keepers' Legal Liability, to include:
Comprehensive and Collision
The Garage Keepers' Legal Liability will extend to all County-owned/leased vehicles in the care,
custody, and control of the Contractor.
The Contractor's insurance will be primary to any coverage maintained by the County.
The minimum limits acceptable are:
$300,000 Combined Single limit(CSL)for liability
$ 25,000 Per Vehicle Garage Keepers' Legal Liability
The Monroe County Board of County Commissioners will be named as Additional Insured on all
policies issued to satisfy the above requirements.
GK1
53
Administrative Instruction 7500
2023 Revision
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 Liability
• Business Automobile Liability
• Contractual Liability
• Products and Completed Operations Liability
• Garage Keepers' Legal Liability, to include:
Comprehensive and Collision
The Garage Keepers' Legal Liability will extend to all County-owned/leased vehicles in the care,
custody, and control of the Contractor.
The Contractor's insurance will be primary to any coverage maintained by the County.
The minimum limits acceptable are:
$500,000 Combined Single limit(CSL)for liability
$100,000 Per Vehicle Garage Keepers' Legal Liability
The Monroe County Board of County Commissioners will be named as Additional Insured on all
policies issued to satisfy the above requirements.
GK2
54
Administrative Instruction 7500
2023 Revision
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 Liability
• Business Automobile Liability
• Contractual Liability
• Products and Completed Operations Liability
• Garage Keepers' Legal Liability, to include:
Comprehensive and Collision
The Garage Keepers' Legal Liability will extend to all County-owned/leased vehicles in the care,
custody, and control of the Contractor.
The Contractor's insurance will be primary to any coverage maintained by the County.
The minimum limits acceptable are:
$1,000,000 Combined Single limit(CSL) for liability
$ 250,000 Per Vehicle Garage Keepers' Legal Liability
The Monroe County Board of County Commissioners will be named as Additional Insured on all
policies issued to satisfy the above requirements.
GK3
55
Administrative Instruction 7500
2023 Revision
GENERAL LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT BETWEEN
MONROE COUNTY, FLORIDA
AND
Prior to the commencement of work governed by this contract, the Contractor will obtain
Commercial General Liability Insurance. Coverage will 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
The minimum limits acceptable is:
$300,000 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 will be named as Additional Insured on all
policies issued to satisfy the above requirements.
GL1
56
Administrative Instruction 7500
2023 Revision
GENERAL LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT BETWEEN
MONROE COUNTY, FLORIDA
AND
Prior to the commencement of work governed by this contract, the Contractor will obtain
Commercial General Liability Insurance. Coverage will 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
The minimum limits acceptable is:
$500,000 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 will be named as Additional Insured on all
policies issued to satisfy the above requirements.
GL2
57
Administrative Instruction 7500
2023 Revision
GENERAL LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT BETWEEN
MONROE COUNTY, FLORIDA
AND
Prior to the commencement of work governed by this contract, the Contractor will obtain
Commercial General Liability Insurance. Coverage will 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
The minimum limits acceptable is:
$1,000,000 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 will be named as Additional Insured on all
policies issued to satisfy the above requirements.
GL3
58
Administrative Instruction 7500
2023 Revision
GENERAL LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT BETWEEN
MONROE COUNTY, FLORIDA
AND
Prior to the commencement of work governed by this contract, the Contractor will obtain
Commercial General Liability Insurance. Coverage will 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
The minimum limits acceptable is:
$2,000,000 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 will be named as Additional Insured on all
policies issued to satisfy the above requirements.
GL4
59
Administrative Instruction 7500
2023 Revision
GENERAL LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT BETWEEN
MONROE COUNTY, FLORIDA
AND
Prior to the commencement of work governed by this contract, the Contractor will obtain
Commercial General Liability Insurance. Coverage will 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
The minimum limits acceptable is:
$3,000,000 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 will be named as Additional Insured on all
policies issued to satisfy the above requirements.
GL5
60
Administrative Instruction 7500
2023 Revision
GENERAL LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT BETWEEN
MONROE COUNTY, FLORIDA
AND
Prior to the commencement of work governed by this contract, the Contractor will obtain
Commercial General Liability Insurance. Coverage will 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
The minimum limits acceptable is:
$4,000,000 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 will be named as Additional Insured on all
policies issued to satisfy the above requirements.
GL6
61
Administrative Instruction 7500
2023 Revision
GENERAL LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT BETWEEN
MONROE COUNTY, FLORIDA
AND
Prior to the commencement of work governed by this contract, the Contractor will obtain
Commercial General Liability Insurance. Coverage will 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
The minimum limits acceptable is:
$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 will be named as Additional Insured on all
policies issued to satisfy the above requirements.
GL7
62
Administrative Instruction 7500
2023 Revision
LIQUOR LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT BETWEEN
MONROE COUNTY, FLORIDA
AND
Recognizing that the work governed by this contract involves the sales and/or distribution of
alcoholic beverages, the Vendor's General Liability Insurance policy will include Liquor Liability
with limits of not less than $1,000,000.
The County will honor the Liquor Liability insurance coverage being provided by the caterer or
vendor providing and serving the alcoholic beverages.
The Monroe County Board of County Commissioners will be named as Additional Insured on all
policies issued to satisfy the above requirements. The Monroe County Board of County
Commissioners must be included as Additional Insured if a separate Liquor Liability policy is
provided or provided by the caterer or vendor providing or serving the alcoholic beverages.
GLLIQ
63
Administrative Instruction 7500
2023 Revision
GENERAL LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT BETWEEN
MONROE COUNTY, FLORIDA
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 Legal 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 will be named as Additional Insured on all
policies issued to satisfy the above requirements.
GLS
64
Administrative Instruction 7500
2023 Revision
AIRPORT LIABILITY AND HANGARKEEPERS LEGAL LIABILITY
INSURANCE REQUIREMENTS
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 limit of liability is $300,000.
HKL 1
65
Administrative Instruction 7500
2023 Revision
AIRPORT LIABILITY AND HANGARKEEPERS LEGAL LIABILITY
INSURANCE REQUIREMENTS
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 limit of liability is $500,000.
HKL2
66
Administrative Instruction 7500
2023 Revision
AIRPORT LIABILITY AND HANGARKEEPERS LEGAL LIABILITY
INSURANCE REQUIREMENTS
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 limit of liability is $1 Million
HKL3
67
Administrative Instruction 7500
2023 Revision
AIRPORT LIABILITY AND HANGARKEEPERS LEGAL LIABILITY
INSURANCE REQUIREMENTS
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 limit of liability is $5 Million
HKL4
68
Administrative Instruction 7500
2023 Revision
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 will include:
Fire Lightning Windstorm Hail
Explosion Collapse Strikes Riots
Civil Commotion Vandalism Malicious Mischief Vehicles
Aircraft Flood
The policy limits will be no less than the value amount of the machinery or equipment being
installed.
The Monroe County Board of County Commissioners will be named as Additional Insured and
Loss Payee as their interest may appear.
IF
69
Administrative Instruction 7500
2023 Revision
LEAD BASED PAINT LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT BETWEEN
MONROE COUNTY, FLORIDA
AND
Recognizing that the work governed by this contract involves the removal of lead based paint, the
Contractor will purchase and maintain, throughout the life of the contract, Lead Based Paint
Liability Insurance which will respond to the negligent act, error or omission in professional
services related to lead-based paint evaluation work(lead-based paint inspection, lead-based
paint risk assessment, lead-based paint testing, and clearance examinations after lead hazard
control work)in the County's buildings and/or bodily injury or property damage resulting from
the discharge, dispersal, release, or escape of lead based paint during renovation, remodeling and
maintenance of County buildings.
The minimum limits of liability are:
$1,000,000 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.
LBP
70
Administrative Instruction 7500
2023 Revision
MEDIA LEGAL LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT BETWEEN
MONROE COUNTY, FLORIDA
AND
Recognizing that the work governed by this contract involves the providing of professional media
services, the Contractor will purchase and maintain, throughout the life of the contract, Media
Legal Liability Insurance which will respond to claim alleging defamation, plagiarism, copyright
infringement or invasion of privacy. Such coverage will be required of:
• Film and program producers
• Film, program, video and home entertainment distributors
• Publishers
• Authors
• Radio, cable and television broadcasters
• Spokespersons
• Advertising agencies
• Magazine, newspaper and book publishers
• Cable operators
• Marketing companies
• Multimedia companies
• Online content providers
• Brand managers
• Public speakers
• Public relation firms
The minimum limits of liability are:
$1,000,000
If coverage is provided on a claims made basis, an extended claims reporting period of four (4)
years will be required.
MLL
71
Administrative Instruction 7500
2023 Revision
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 will 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 are:
$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
72
Administrative Instruction 7500
2023 Revision
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 will 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 are:
$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.
MED2
73
Administrative Instruction 7500
2023 Revision
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 will 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 are:
$1,000,000 per Occurrence/$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
74
Administrative Instruction 7500
2023 Revision
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 will 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 are:
$5,000,000 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.
MED4
75
Administrative Instruction 7500
2023 Revision
MOTOR VEHICLE CARGO
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
76
Administrative Instruction 7500
2023 Revision
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, the Contractor will purchase and maintain, throughout the
life of the contract, Pollution/Environmental Liability Insurance which will respond to bodily
injury, property damage, environmental damage, contamination, remediation, restoration, clean up
costs, and defense caused by, as a result of, or arising from a pollution incident.
The minimum limits of liability are:
$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.
The Monroe County Board of County Commissioners will be named as Additional Insured on all policies
issued to satisfy the above requirements.
PO L1
77
Administrative Instruction 7500
2023 Revision
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, the Contractor will purchase and maintain, throughout the
life of the contract, Pollution/Environmental Liability Insurance which will respond to bodily
injury, property damage, environmental damage, contamination, remediation, restoration, clean up
costs, and defense caused by, as a result of, or arising from a pollution incident.
The minimum limits of liability are:
$1,000,000 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.
The Monroe County Board of County Commissioners will be named as Additional Insured on all policies
issued to satisfy the above requirements.
PO L2
78
Administrative Instruction 7500
2023 Revision
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, the Contractor will purchase and maintain, throughout the
life of the contract, Pollution/Environmental Liability Insurance which will respond to bodily
injury, property damage, environmental damage, contamination, remediation, restoration, clean up
costs, and defense caused by, as a result of, or arising from a pollution incident.
The minimum limits of liability are:
$3,000,000 per Occurrence/$6,000,000 Aggregate
If coverage is provided on a claims made basis, an extended claims reporting period of four (4)
years will be required.
The Monroe County Board of County Commissioners will be named as Additional Insured on all policies
issued to satisfy the above requirements.
PO L3
79
Administrative Instruction 7500
2023 Revision
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, the Contractor will purchase and maintain, throughout the
life of the contract, Pollution/Environmental Liability Insurance which will respond to bodily
injury, property damage, environmental damage, contamination, remediation, restoration, clean up
costs, and defense caused by, as a result of, or arising from a pollution incident.
The minimum limits of liability are:
$5,000,000 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.
The Monroe County Board of County Commissioners will be named as Additional Insured on all policies
issued to satisfy the above requirements.
PO L4
80
Administrative Instruction 7500
2023 Revision
MOLD REMOVAL/ABATEMENT LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT BETWEEN
MONROE COUNTY, FLORIDA
AND
Recognizing that the work governed by this contract involves the testing for, removal and
abatement of mold, the Contractor will purchase and maintain, throughout the life of the
contract, Mold Removal/Abatement Liability Insurance which will respond to bodily
injury, property damage, environmental damage, contamination, remediation, restoration, cleanup
costs, and defense caused by, as a result of, or arising from the testing for, removal and
abatement/removal of mold.
The minimum limits of liability are:
$1,000,000 per Occurrence
If coverage is provided on a claims made basis, an extended claims reporting period of four (4)
years will be required.
The Monroe County Board of County Commissioners will be named as Additional Insured on all policies
issued to satisfy the above requirements.
Recognizing such coverage can be provided by a variety of policy forms,the required Certificates of
Insurance must clearly and distinctly reflect that Mold Removal/abatement coverage is included. Language
such as there are no exclusions relating to mold will be acceptable.
MRL
81
Administrative Instruction 7500
2023 Revision
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 will 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 are:
$300,000 per Occurrence/$5 00,000 Aggregate
If coverage is provided on a claims made basis, an extended claims reporting period of four(4)
years will be required.
PROI
82
Administrative Instruction 7500
2023 Revision
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 will 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 are:
$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.
PR02
83
Administrative Instruction 7500
2023 Revision
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 will 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 are:
$1,000,000 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.
PR03
84
Administrative Instruction 7500
2023 Revision
MOLD REMEDIATION 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 will 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 are:
$1,000,000 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.
PR03
85
Administrative Instruction 7500
2023 Revision
UNDERGROUND STORAGE TANK 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 will purchase and maintain, throughout the life of the contract, Pollution
Liability Insurance which will respond to bodily injury, property damage, environmental damage,
contamination, remediation, restoration, clean-up costs, and defense caused by, as a result of, or
arising from a pollution incident, consistent with Section 376.3072 Florida Statutes.
The Monroe County Board of County Commissioners will be named as Additional Insured on all
policies issued to satisfy the above requirements.
86
Administrative Instruction 7500
2023 Revision
UST
BUSINESS AUTOMOBILE 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 Business Automobile Liability Insurance.
Coverage will 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 is:
$100,000 Combined Single Limit(CSL)
If split limits are provided, the minimum limits acceptable are:
$ 50,000 per Person
$100,000 per Occurrence
$ 25,000 Property Damage
The Monroe County Board of County Commissioners will be named as Additional Insured on all
policies issued to satisfy the above requirements.
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.
VL1
87
Administrative Instruction 7500
2023 Revision
BUSINESS AUTOMOBILE 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 Business Automobile Liability Insurance.
Coverage will 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 is:
$300,000 Combined Single Limit(CSL)
If split limits are provided, the minimum limits acceptable are:
$200,000 per Person
$300,000 per Occurrence
$100,000 Property Damage
The Monroe County Board of County Commissioners will be named as Additional Insured on all
policies issued to satisfy the above requirements.
V L2
88
Administrative Instruction 7500
2023 Revision
BUSINESS AUTOMOBILE 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 Business Automobile Liability Insurance.
Coverage will 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 is:
$1,000,000 Combined Single Limit(CSL)
If split limits are provided, the minimum limits acceptable are:
$500,000 per Person
$1,000,000 per Occurrence
$100,000 Property Damage
The Monroe County Board of County Commissioners will be named as Additional Insured on all
policies issued to satisfy the above requirements.
V L3
89
Administrative Instruction 7500
2023 Revision
BUSINESS AUTOMOBILE 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 Business Automobile Liability Insurance.
Coverage will 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 is:
$5,000,000 Combined Single Limit(CSL)
If split limits are provided, the minimum limits acceptable are:
$1,000,000 per Person
$5,000,000 per Occurrence
$100,000 Property Damage
The Monroe County Board of County Commissioners will be named as Additional Insured on all
policies issued to satisfy the above requirements.
V L4
90
Administrative Instruction 7500
2023 Revision
HAZARDOUS CARGO TRANSPORTER LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT BETWEEN
MONROE COUNTY, FLORIDA
AND
Prior to the commencement of work governed by this contract, the Contractor will 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 will be removed.
The minimum limit acceptable is:
$300,000 per Occurrence
VLP1
91
Administrative Instruction 7500
2023 Revision
HAZARDOUS CARGO TRANSPORTER LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT BETWEEN
MONROE COUNTY, FLORIDA
AND
Prior to the commencement of work governed by this contract, the Contractor will 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 will be removed.
The minimum limit acceptable is:
$500,000 per Occurrence
VLP2
92
Administrative Instruction 7500
2023 Revision
HAZARDOUS CARGO TRANSPORTER LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT BETWEEN
MONROE COUNTY, FLORIDA
AND
Prior to the commencement of work governed by this contract, the Contractor will 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 will be removed.
The minimum limit acceptable is:
$1,000,000 per Occurrence
VLP3
93
Administrative Instruction 7500
2023 Revision
WORKERS' COMPENSATION
INSURANCE REQUIREMENTS
FOR
CONTRACT BETWEEN
MONROE COUNTY, FLORIDA
AND
Prior to the commencement of work governed by this contract, the Contractor will obtain Workers'
Compensation Insurance with limits sufficient to respond to applicable Workers' Compensation
state statutes and the requirements of Chapter 440,Florida Statutes.
In addition, the Contractor will 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 will be maintained throughout the entire term of the contract.
Coverage will 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 may 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
94
Administrative Instruction 7500
2023 Revision
WORKERS' COMPENSATION
INSURANCE REQUIREMENTS
FOR
CONTRACT BETWEEN
MONROE COUNTY, FLORIDA
AND
Prior to the commencement of work governed by this contract, the Contractor will obtain Workers'
Compensation Insurance with limits sufficient to respond to applicable Workers' Compensation
state statutes and the requirements of Chapter 440,Florida Statutes.
In addition, the Contractor will 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 will be maintained throughout the entire term of the contract.
Coverage will 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 may 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
95
Administrative Instruction 7500
2023 Revision
WORKERS' COMPENSATION
INSURANCE REQUIREMENTS
FOR
CONTRACT BETWEEN
MONROE COUNTY, FLORIDA
AND
Prior to the commencement of work governed by this contract, the Contractor will obtain Workers'
Compensation Insurance with limits sufficient to respond to applicable Workers' Compensation
state statutes and the requirements of Chapter 440,Florida Statutes.
In addition, the Contractor will 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 will be maintained throughout the entire term of the contract.
Coverage will 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 may 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.
WO
96
Administrative Instruction 7500
2023 Revision
WORKERS' COMPENSATION
INSURANCE REQUIREMENTS
FOR
CONTRACT BETWEEN
MONROE COUNTY, FLORIDA
AND
Prior to the commencement of work governed by this contract, the Contractor will obtain Workers'
Compensation Insurance with limits sufficient to respond to applicable Workers' Compensation
state statutes and the requirements of Chapter 440,Florida Statutes.
In addition, the Contractor will 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 will be maintained throughout the entire term of the contract.
Coverage will 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 may 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
97
Administrative Instruction 7500
2023 Revision
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 will include coverage for claims subject to
the Federal Jones Act(46 U.S.C.A. subsection 688)with limits not less than $1,000,000.
The Contractor will 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
98
Administrative Instruction 7500
2023 Revision
WORKERS' COMPENSATION
INSURANCE REQUIREMENTS
FOR
CONTRACT BETWEEN
MONROE COUNTY, FLORIDA
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 will include USL&H
coverage with limits not less than $1,000,000.
WCUSLH
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WATERCRAFT LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT BETWEEN
MONROE COUNTY, FLORIDA
AND
Prior to the commencement of work governed by this contract, the Contractor will 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 will 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
will be endorsed to provide coverage for the legal liability of the ship-owner.
The minimum limits acceptable is:
$500,000 Combined Single Limit(CSL)
Coverage provided by a Protection and Indemnity Club (P&I) will be subject to the
approval of the County.
The Monroe County Board of County Commissioners will be named as Additional Insured on all
policies issued to satisfy the above requirements.
WL1
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WATERCRAFT LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT BETWEEN
MONROE COUNTY, FLORIDA
AND
Prior to the commencement of work governed by this contract, the Contractor will 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 will 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
will be endorsed to provide coverage for the legal liability of the ship-owner.
The minimum limit acceptable is:
$1,000,000 Combined Single Limit(CSL)
Coverage provided by a Protection and Indemnity Club (P&I) will be subject to the
approval of the County.
The Monroe County Board of County Commissioners will be named as Additional Insured on all
policies issued to satisfy the above requirements.
WL2
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Indemnification, Hold Harmless and Defense for Construction Contractors and
Subcontractors
Indemnification, Hold Harmless and Defense. Notwithstanding any minimum insurance
requirements prescribed elsewhere in this agreement, Contractor shall defend, indemnify and
hold the County and the County's elected and appointed officers and employees harmless from
and against (i) any claims, actions or causes of action, (ii) any litigation, administrative
proceedings, appellate proceedings, or other proceedings relating to any type of injury
(including death), loss, damage, fine, penalty or business interruption, and (iii) any costs or
expenses that may be asserted against, initiated with respect to, or sustained by, any
indemnified party by reason of, or in connection with, (A) any activity of Contractor or
any of its employees, agents, contractors or other invitees during the term of this Agreement,
(B) the negligence or recklessness, intentional wrongful misconduct, errors or other
wrongful act or omission of Contractor or any of its employees, agents, sub-contractors
or other invitees, or (C) Contractor's default in respect of any of the obligations that it
undertakes under the terms of this Agreement, except to the extent the claims, actions, causes
of action, litigation, proceedings, costs or expenses arise from the intentional or sole
negligent acts or omissions of the County or any of its employees, agents, contractors or
invitees (other than Contractor). The monetary limitation of liability under this contract
shall be not less than $1 million per occurrence pursuant to Section 725.06, Florida
Statutes. Insofar as the claims, actions, causes of action, litigation, proceedings, costs or
expenses relate to events or circumstances that occur during the term of this Agreement, this
section will survive the expiration of the term of this Agreement or any earlier termination of
this Agreement.
In the event that 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. Should any claims be asserted against the County by virtue of any
deficiency or ambiguity in the plans and specifications provided by the Contractor, the
Contractor agrees and warrants that the Contractor shall hold the County harmless and shall
indemnify it from all losses occurring thereby and shall further defend any claim or action
on the County's behalf.
The extent of liability is in no way limited to, reduced, or lessened by the insurance
requirements contained elsewhere within this Agreement.
CCS
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Indemnification, Hold Harmless and Defense for Consultants, Sub Consultants and
Professionals Providing Services Pursuant to the Consultants' Completive Negotiations Act
C( CNA)
Indemnification, Hold Harmless and Defense. The Consultant covenants and agrees to
indemnify, hold harmless and defend Monroe County, its Commissioners, officers, employees,
agents and servants from any and all claims for bodily injury, including death, personal injury, and
property damage, including damage to property owned by Monroe County, and any other losses,
damages, and expenses of any kind, including attorneys' fees, costs and expenses, which arise out
of, in connection with, or by reason of services provided by the Consultant or any of its
Subconsultant(s)in any tier, occasioned by the negligence, recklessness, or intentionally wrongful
conduct of the Consultant, or its Subconsultant(s) in any tier, their officers, employees, servants
or agents.
In the event that the completion of the project (to include the work of others) is delayed or
suspended as a result of the Consultant's failure to purchase or maintain the required insurance,
the Consultant shall indemnify the County from any and all increased expenses resulting from such
delay. Should any claims be asserted against the County by virtue of any deficiency or ambiguity
in the plans and specifications provided by the Consultant, the Consultant agrees and warrants that
Consultant shall hold the County harmless and shall indemnify it from all losses occurring thereby
and shall further defend any claim or action on the County's behalf. The first ten dollars ($10.00)
of remuneration paid to the Consultant is consideration 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. This indemnification shall survive the expiration or
earlier termination of the Agreement.
TCS
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Indemnification, Hold Harmless and Defense for Public Welfare and Special Events
The Promoter or Provider of the Special Event (hereafter referred to as Promoter) covenants and
agrees to defend, indemnify and hold harmless Monroe County Board of County Commissioners,
and its elected and appointed officers, officials, agents, servants, and employees from any and all
claims, demands, or causes of action for bodily injury (including death), personal injury, and
property damage (including property owned by Monroe County) and any other losses, damages,
costs, penalties, and expenses (including attorney's fees) which arise out of, in connection with,
or by reason of services provided by the Promoter or any of its Contractor(s), occasioned by the
negligence, recklessness, intentional wrongful misconduct, errors, or other wrongful act or
omission of the Promoter or its Contractor(s)in any tier, 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.
PWSE
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Indemnification and Hold Harmless for Inter-Governmental Agreements
The parties 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 Commercial General
Liability, Business Automobile Liability, and Workers' Compensation insurance, or is self-
insured, in amounts adequate to respond to any and all claims within the limitations of Sections
768.28 and 440, Florida Statutes, arising out of the activities governed by this agreement.
As between the governmental entity parties to this agreement each party is responsible for any
negligent acts or omissions on the part of its own employees, agents, contractors, and
subcontractors and shall defend, indemnify and hold the other governmental entity party harmless
from claims arising out of such negligent acts or omissions, and agrees to be liable to the statutory
limits for any damages proximately caused by said acts or omissions, or intentional tortious acts.
The governmental entity parties to this agreement stipulate that the agreement does not contain
any provision that requires one party to indemnify or insure the other party for the other party's
negligence or to assume any liability for the other party's negligence. The governmental entities
are prohibited from entering into agreements to indemnify another agency or subdivision of the
state for the other entity's negligence or to assume any liability for the other entity's negligence.
Nothing contained in this Section shall be construed to be a waiver by either party of any
protections under sovereign immunity, Section 768.28 Florida Statutes, or any other similar
provision of law. Nothing contained herein shall be construed to be a consent by either party to
be sued by third parties or to be liable to third parties in any matter arising out of this or any other
Agreement.
The County and the other governmental agency do not get named as an additional insured on each
other's policies.
INTGVT
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Insurance provisions in Federal Governmental Agreements and where Federal Grants are
involved
Grantee agrees that it maintains in force at its own expense a liability insurance policy which will
insure and indemnify the Grantee and the Grantor from any suits, claims or actions brought by any
person or persons and from all costs and expenses of litigation brought against the Grantee for
such injuries to persons or damage to property occurring during the agreement or thereafter that
results from performance by Grantee of the obligations set forth in this agreement. The parties to
this agreement stipulate that each is a governmental agency as defined by Florida Statutes or the
Code of Federal Regulations and represents to the other that it has purchased or obtained suitable
Commercial General Liability, Business Automobile Liability, and Workers' Compensation
insurance, or is self-insured, in amounts adequate to respond to any and all claims within the
limitations of Sections 768.28 and 440, Florida Statutes, arising out of the activities governed by
this agreement or as required and held by Federal Governmental agencies. Each party shall be
responsible for any acts of negligence, acts or omissions or wrongful conduct on the part of its
own employees, agents, contractors, and subcontractors and shall defend, indemnify and hold the
other party harmless from all claims arising out of such negligence, acts or omissions or wrongful
conduct, and agrees to be liable to the statutory limits for any damages proximately caused by said
acts or omissions, or intentional tortious acts.
FEDGRT
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SCHEDULE OF INSURANCE REQUIREMENTS FOR AGREEMENTS WITH OTHER
GOVERNMENTAL AGENCIES AND AGREEMENTS WITH FEDERAL AGENCIES
OR INVOLVING FEDERAL GRANTS
Description of Activities Examples of Events Required Insurance or
Forms
Inter-Governmental Agreements with other 1NTGCT
Agreements governmental Agencies
Agreements with Federal
Federal Agency Agreements agencies or involving FEDGRT
Federal Grants
INTGVT
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Indemnification, Hold Harmless and Defense for Airport/Aircraft Activities
The Vendor covenants and agrees to defend, indemnify and hold harmless Monroe County Board
of County Commissioners, and its elected and appointed officers, officials, agents, servants, and
employees from any and all claims, demands, or causes of action for bodily injury (including
death), personal injury, and property damage (including property owned by Monroe County) and
any other losses, damages, costs, penalties, 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, recklessness, intentional wrongful misconduct, 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
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Indemnification, Hold Harmless and Defense for Airport/Aircraft Activities
The Organization/Individual covenants and agrees to defend, indemnify and hold harmless
Monroe County Board of County Commissioners, and its elected and appointed officers, officials,
agents, servants, and employees from any and all claims, demands, or causes of action for bodily
injury (including death), personal injury, and property damage (including property owned by
Monroe County) and any other losses, damages, costs, penalties, 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
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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,Hold Harmless and Defense provisions.
Waiving of insurance provisions or coverages 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 to the County Risk Management office 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.
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MONROE 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/Vendor:
Project or Service:
Contractor/Vendor
Address&Phone#:
General Scope of Work:
Reason for Waiver or
Modification:
Policies Waiver or
Modification will apply to:
Signature of Contractor/Vendor:
Date: Approved Not Approved
Risk Management Signature:_
Date:
County Administrator appeal:
Approved: Not Approved:
Date:
Board of County Commissioners appeal:
Approved: Not Approved:
Meeting Date:
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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 law. More important, the County can be held responsible for the benefits owed 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 j ob related
injury. In addition, the injured employee is entitled to a portion of his pre-injury wage, subject to a
maximum established by the State. Normally, the injury must prevent the employee from working for
a specified period before the employee 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. 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.
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 and insurance
Administrative Instruction 7500.7 112
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coverage from the Contractor's insurer in the event the County is 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.
Business Automobile 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, Business Automobile 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 Business Automobile 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:
✓ The identification of exposure to loss;
✓ Evaluating the potential impact of a loss;
✓ Reviewing alternative techniques for handling the loss;
✓ Selecting the most appropriate technique; and
✓ Monitoring the results and making adjustments where needed.
Risk Management viewed as a management process entails four basic functions:
✓ Planning what must be done to protect the County against the adverse effects of accidental
losses;
✓ Organizing personnel and other resources to carry out the results of the planning;
✓ Motivate personnel throughout the County to accomplish its goals; and
✓ Monitor the results of the program, making adjustments where needed.
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