Insurance Requirements

1.     Loss Deductible Clause:  The City shall be exempt from, and in no way liable for, any sums of money which may represent a deductible in any insurance policy.  The payment of such deductible shall be the sole responsibility of the General Consultant and/or Subconsultant providing such insurance.

2.     Workers’ Compensation Insurance:  The Consultant shall obtain during the life of this Agreement, Worker’s Compensation Insurance with Employer’s Liability Limits of $500,000/$500,000/$500,000 for all the Consultant’s employees connected with the work of this project and, in the event any work is sublet, the Consultant shall require the subconsultant similarly to provide Workers’ Compensation Insurance for all of the latter’s employees unless such employees are covered by the protection afforded by the Consultant.  Such insurance shall comply fully with the Florida Workers’ Compensation Law.  In case any class of employees engaged in hazardous work under this contract for the City is not protected under the Workers’ Compensation statute, the Consultant shall provide, and cause each subconsultant to provide adequate insurance, satisfactory to the City, for the protection of the Consultant’s employees not otherwise protected. Include Waiver of Subrogation in favor of the City of Ocoee.

3.     Consultant’s Public Liability and Property Damage Insurance:  The Consultant shall obtain during the life of this Agreement COMMERCIAL AUTOMOBILE COVERAGE, this policy should name the City of Ocoee as an additional insured, and shall protect the Consultant and the City from claims for damage for personal injury, including accidental death, as well as claims for property damages which may arise from operations under this Agreement whether such operations be by the Consultant or by anyone directly or indirectly employed by the Consultant, and the amounts of such insurance shall be the minimum limits as follows:

4.     Automobile Bodily Injury Liability & Property Damage Liability

  • $1,000,000 Combined single limit per occurrence (each person, each accident)
  • All covered automobile will be covered via symbol 1
  • Liability coverage will include hired & non-owned automobile liability
  • Include Waiver of Subrogation in favor of The City of Ocoee

5.     Comprehensive General Liability (Occurrence Form) - This policy should name the City of Ocoee as an additional insured and should indicate that the insurance of the Consultant is primary and non-contributory.

  • $2,000,000 GENERAL AGGREGATE
  • $2,000,000 PRODUCTS-COMPLETED OPERATIONS AGGREGATE
  • $1,000,000 PER OCCURRENCE
  • $1,000,000 PERSONAL & ADVERTISING INJURY
  • Include Waiver of Subrogation in favor of the City of Ocoee

6.     Subconsultant’s Comprehensive General Liability, Automobile Liability and Worker’s Compensation Insurance:  The Consultant shall require each subconsultant to procure and maintain during the life of this subcontract, insurance of the type specified above or insure the activities of these subconsultants in the Consultant’s policy, as specified above.

7.     Owner’s Protective Liability Insurance: As applicable for construction projects, providing coverage for the named insured’s liability that arises out of operations performed for the named insured by independent consultants and are directly imposed because of the named insured’s general supervision of the independent consultant. The Consultant shall procure and furnish an Owner’s Protective Liability Insurance Policy with the following limits: $1,000,000, and per occurrence, $2,000,000. Aggregate and naming the City of Ocoee as the Named Insured.

8.     Contractual Liability:  If the project is not bonded, the consultant’s insurance shall also include contractual liability coverage to insure the fulfillment of the contract. NOTE: PUBLIC LIABILITY INSURANCE AND AUTOMOBILE LIABILITY INSURANCE, THE CITY SHALL BE NAMED AS ADDITIONAL INSURED.

  • $1,000,000 PER OCCURRENCE
  • $2,000,000 AGGREGATE

       Commercial Umbrella: 

  • $1,000,000 PER OCCURRENCE
  • $2,000,000 Aggregate
  • Including Employer’s Liability and Contractual Liability

        Builders Risk: Case by Case Construction Basis 

  • $100,000 Any (1) Location
  • $1,000,000 Any (1) Occurrence

9.     Contractual Liability: Certificate of Insurance Form, naming the City of Ocoee as an additional insured will be furnished by the Contractor upon notice of award. These shall be completed by the authorized Resident Agent and returned to the Office of the Purchasing Agent. This certificate shall be dated and show:

  • The name of the Insured Contractor, the specific job by name and job number, the name of the insurer, the number of the policy, its effective date, and its termination date.
  • Statement that the Insurer shall mail notice to the Owner at least thirty (30) days prior to any material changes in provisions or cancellation of the policy, except ten (10) days written notice of cancellation for non-payment of premium.