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Insurance Requirements for On-Site Services

Vendor insurance requirements include general liability, auto liability, and workers' compensation.

All insurance policies shall include additional insured endorsements naming the Los Rios Community College District, its trustees, officers, employees, volunteers, agents, inspectors, project managers, consultants – and their employees and each of them – as additional insured.

Minimum Insurance Coverage

The vendor shall provide a certificate of insurance and required endorsements at least 15 days prior to commencement of work. The certificate shall state that Los Rios will be given 30 days notice of any material change or cancellation in coverage.

The minimum insurance coverage to be obtained by the vendor/contractor is as follows:

Commercial/Comprehensive General Liability Insurance

(Insurance Services Organization, Inc. form GL-00-01, Ed. 11-89 or equivalent) (ISO CG 00 0 1)

  • Bodily Injury and Property Damage Liability Insurance for Premises and Operations
  • Personal Injury for Premises and Operations; Independent Contractors
  • Incidental Contracts
  • Contractual Liability
  • Broad Form Comprehensive General Liability Endorsement (Insurance Services Organization, Inc. form GL-04-04, Ed. 5-81 or equivalent)
  • Products and Completed Operations which shall be in the amount of not less than a combined single limit of One Million Dollars ($1,000,000) per occurrence for one or more persons injured and property damaged on an occurrence form insurance policy. The aggregate limit of liability for products and completed operations shall not be less than Three Million Dollars ($3,000,000) for Type A, Two Million Dollars ($2,000,000) for Type B.
  • Any combination of General Liability and Excess Liability Coverage can be combined to meet the Aggregate.

Business Automobile Liability Policy Insurance

(Insurance Serving Organization, Inc. form CA 00 0 1 or equivalent)

  • Protection against loss as a result of liability to others caused by an accident and resulting in bodily injury and/or property damage, arising out of the ownership or use of any automobile the limits of liability shall not be less than One Million Dollars ($1,000,000) combined single limit each accident for bodily injury and property damage combined.

Workers' Compensation and Employers' Liability Insurance

  • The Vendor/Contractor shall be a qualified self-insurer or shall carry full Workers' Compensation and Employers' Liability insurance coverage, either through the State Compensation Insurance Fund or a standard approved policy obtained from a licensed insurance carrier for all persons employed, either directly or through subcontractors, in carrying out the work under this Contract in accordance with the "Workers' Compensation and Insurance Act," Division IV thereof. Employers' limits of liability shall be the prevailing statutory limits of liability.
  • If no (zero) employees, complete Form GS 89 Agreement to Participate and Waiver/Assumption of Risk (PDF).

Types of Contract Service

The following list is not all-inclusive of contract services. Los Rios reserves the right to change limit requirements based on specific services to be performed.

Type A: General Contractors and Specialized Services

  • Asbestos abatement/environmental/air quality
  • Food services and catering
  • General construction contracts
  • Hazardous waste services
  • High voltage services
  • International study travel abroad
  • Medical services (including optical and laboratory)
  • Professional services (accountants, actuaries, architects, attorneys, engineers, financial Services, insurance, surveyors, technology/cyber/software as service)
  • Special events, community services, or transportation services
  • Other (you will be asked to specify on your vendor form)

Type B: Building, Grounds, and Maintenance Services

  • Building and grounds maintenance (electrical, HVAC, painting, plumbing, roofing, and so on)
  • Elevator maintenance
  • Groundskeepers
  • Janitor/custodial
  • Tree removal/trimming
  • Roadway/parking lot striping

Type B: Repair, Installation, and Independent Contractor Services

  • Carpet installation and cleaning
  • Door and window services
  • Floor installation, cost estimators, schedule consultants
  • Independent services contracts (grants writers, professional speakers, trainers, and facilitators, report writers, and evaluation/assessment reports)
  • Locksmith services
  • Shower/tub and tile repair
  • Garage door installation, fence repairs

Insurance Coverage and Limits

Contracts that fall within Type A or Type B listed above normally require:

  • Commercial General Liability
  • Business Automobile Liability
  • Workers' Compensation

Professional services 1 contracts normally require:

  • Commercial General Liability
  • Business Automobile Liability
  • Professional Liability
  • Workers' Compensation

1 Architects, engineers, and doctors must provide license required by governmental agency.

Coverage Limits for Type A and Type B

Coverage Basis Amount for Contract Type A Amount for Contract Type B
Commercial General Liability (CGL) (Additional Insured) Occurrence
Aggregate
$1 Million
$3 Million
$1 Million
$2 Million
Automobile Liability (AL) (Additional Insured) Occurrence $1 Million $1 Million
Workers’ Compensation (WC) Employers’ Liability (EL) Statutory Occurrence Statutory limit
$1 Million/$1 Million/$1 Million
Statutory limit
$1 Million/$1 Million/$1 Million
Professional Liability (PL) Errors and Omission (E&O) Aggregate $2 Million
$2 Million
N/A
N/A
Technology E&O, PL (IT Consultant) 2 Occurrence
Aggregate
$2 Million
$2 Million
N/A
N/A
Cyber Liability (Vendor) 2 Occurrence
Aggregate
$2 Million
$2 Million
N/A
N/A
Builders’ Risk (BR) (Additional Insured Endorsement) Occurrence Completed project value Completed project value
Property (Installation Floater) Install/Delivered Contract value Additional insured or loss payee
Full replacement – no coinsurance
Additional insured or loss payee
Full replacement – no coinsurance
Hazardous Waste Hauling with MCS 90 Filing (Additional Insured Endorsement) Occurrence $5 Million $5 Million
Pollution/Environmental Occurrence
Aggregate
$5 Million
$5 Million
$1 Million
$2 Million

2 Technology/Cyber for IT vendors that have access to private/personal information about the district, students, employees, et al.