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Liability & Insurance

Contract Insurance Requirements - Reference Guide

Table of Contents 

  1. Miscellaneous Concepts and Insurance Terminology
    1. Insurance Services Offices (ISO)
      1. ISO Basics
      2. ISO Endorsement Numbering System
    2. Self-Insured Retention (SIR) vs. Liability Deductible
    3. Certificates of Insurance
  2. Commercial General Liability Insurance
    1. Sample ISO CGL
    2. Principal Coverages
      1. Coverage A
      2. Coverage B
    3. Concepts & Terminology
      1. Defense Costs
      2. Occurrence & the General Liability Coverage Trigger
      3. Indemnification and Limitation of Liability
      4. Mutual Indemnification
      5. Contractual Liability Insurance
      6. Products / Completed Operations Hazard
      7. Separation of Insureds Condition
    4. Who is Insured
      1. Named Insured
      2. Generic Insureds (Covered by category, not specifically named)
      3. Additional Insureds
    5. Key Exclusions
      1. Liquor Liability
      2. Aircraft, Autos and Watercraft
      3. Damage to Property Owned By, Rented To, or Occupied By the Named Insured
      4. Personal Property in the Insured’s Care, Custody or Control
      5. Damage to a Contractor’s Own Work – Completed Operations
      6. Pollution
      7. High Risk Activities
  3. Additional Insured Endorsements
    1. Basic Concepts
    2. Primary And Non-Contributory Coverage
      1. Primary Coverage
      2. Non-contributory Coverage
    3. Common ISO Additional Insured Endorsements
      1. Equivalent Endorsements
      2. CG 20 10 04 13: Additional Insured – Owners, Lessees or Contractors – Scheduled Person or Organization
      3. CG 20 37 04 13: Additional Insured – Owners, Lessees Or Contractors – Completed Operations
      4. CG 20 12 04 13: Additional Insured – …Governmental Agency - Permits Or Authorizations
      5. CG 20 26 04 13: Additional Insured – Designated Person Or Organization
      6. CG 20 11 04 13: Additional Insured – Managers Or Lessors Of Premises
    4. Automatic or “Blanket” Additional Insured Endorsements
    5. Insurer Proprietary Additional Insured Endorsements
  4. Commercial Auto Insurance – Business Auto Policy (BAP)
    1. Sample ISO Business Auto Policy
    2. Auto Exposures of the Named Insured (Our Vendor, Licensee, Contractor, etc.)
      1. Owned Autos
      2. Hired Autos
      3. Non-owned Autos
      4. Scheduled Autos
      5. Any Auto
    3. Who is Insured
      1. Policy Definition of Insured
      2. Additional Insured Status Under the BAP
    4. Contractual Liability Insurance
    5. Rental or Use of County Autos by Other Entities
      1. Overview
      2. Sample Auto Insurance Requirements
    6. Key Exclusions
      1. Pollution
      2. Care, Custody or Control
    7. Pollution Liability Insurance - Autos
      1. Uninsured Pollution Claims
      2. Covered Pollution Claims
      3. MCS-90
  5. Personal Auto Insurance (PAP)
    1. Overview
      1. Different From Commercial Auto Insurance
      2. Common Coverage Limitations and Exclusions
  6. Workers Compensation and Employers Liability Insurance
    1. Workers Compensation (WC)
      1. Legal Structure
      2. When Workers Compensation Is Not Required
    2. Employers Liability
    3. Workers Compensation Waiver of Subrogation
  7. Pollution Liability Insurance
    1. Overview
      1. Policy Forms
      2. What Should Be Covered
      3. Coverage Trigger
    2. Contractors Pollution Liability Insurance
      1. Important Coverages and Endorsements Required by County
    3. Premises Pollution Liability Insurance
      1. Important Features to Be Included
    4. Coverage for Additional Insureds: Funding Sources & Grantors of Easements
  8. Professional Liability – Errors & Omissions Insurance
    1. Overview of Professional Liability Insurance
    2. Characteristics of Professional Liability Policies
      1. Non-Standard Policy Language
      2. Limits & Retentions
      3. Contractual Liability Insurance
      4. Additional Insured Endorsements
      5. Claims-Made Coverage
  9. Builders Risk
    1. Overview
      1. Purpose
    2. County’s Coverage Through CSAC-EIA (as of 2016)
      1. Covered & Excluded Property
      2. Covered Parties
      3. Rationale for Covering Interests of Owner, Contractor and Subcontractors on One Policy
      4. Covered & Excluded Causes of Loss
    3. Commercial Builders Risk Coverage Available to Contractors
      1. Non-standard coverage
      2. Covered Property
      3. Covered & Excluded Causes of Loss
      4. Covered Interests
      5. Builders Risk Slide Tutorial
      6. Sample Builders Policy (Zurich Insurance)
  10. Aircraft Liability Insurance
    1. Non-Standard Policies
    2. Additional Insured Endorsements
    3. No Contractual Liability Insurance
    4. Certificates of Insurance
    5. Limits
  11. Risk Management Procedures: Background & Rationale
    1. Berthing Leases: Commercial Fishing Vessels
    2. Airport: Month-to-Month Tenants
    3. Evidence of Primary & Non-contributory Coverage for Additional Insured Status
      1. County Requirements
      2. Rationale
      3. Coverage Counsel’s Analysis: Statute & Case Law
    4. Construction Projects: Builders Risk