HomeMy WebLinkAbout25-08-QT - Appendix A - Insurance Requirement Finance Department
Procurement Division 1225 Main Street
Sebastian, FL 32958
(772) 388-8231
City of Sebastian Insurance Requirements – 12/2024 Page 1 of 2
INSURANCE REQUIREMENTS
1.1 INSURANCE
1.1.1. The City of Sebastian is to be specifically included as an additional insured on all insurance
certificates (except Worker's Compensation). Waiver of Subrogation is required for
Commercial General Liability and Automobile Liability. A renewal certificate shall be
issued thirty (30) days before said expiration date. The certificate shall provide a thirty (30)
day notification clause in the event of cancellation or modification to the policy.
1.1.2. Before starting and until acceptance of the work by the City, Awarded Contractor shall, as
a minimum mandatory condition precedent to this work, procure and maintain insurance
of the types and to the limits specified below, at their own expense and without cost to the
City, until final acceptance by the City of all products or services covered by the purchase
order or contract.
1.1.3. The certificate holder shall read:
City Of Sebastian
1225 Main Street
Sebastian, FL 32958
1.1.4. Minimum coverage with limits and provisions are as follows:
1.1.4.1. Commercial General Liability: Contractor shall provide Commercial General
Liability insurance. This shall include premises/operations, personal &
advertising injury, products, completed operations, contractual liability,
specifically confirming and ensuring the indemnification and hold harmless
clause of the contract. This insurance policy shall be considered primary to and
not contributing to any insurance the City maintains. It shall name the City as
an additional insured with a waiver of subrogation noted on the Certificate of
Liability. The policy of insurance shall be written on an “occurrence” form.
The contractor shall obtain insurance which shall at least meet the following
minimum limits:
• Per Occurrence: $1,000,000
• General Aggregate: $2,000,000
1.1.4.2. Business Automobile: Contractor shall provide Business Coverage
Automobile Insurance, which shall protect the contractor from claims for
damage for personal injury, bodily injury including accidental death, as well
as claims for property damages which may arise from operations under this
contract whether such operations are by himself or by anyone
Finance Department
Procurement Division 1225 Main Street
Sebastian, FL 32958
(772) 388-8231
City of Sebastian Insurance Requirements – 12/2024 Page 2 of 2
directly or indirectly employed by him. Coverage shall include owned, non-
owned, hired and rented vehicles.
The contractor shall obtain insurance which shall at least meet the following
minimum limits:
• Bodily Injury and Property Damage:
o Combined Single Limit (each Accident): $1,000,000.00
1.1.4.3. Workers' Compensation: Contractor shall provide and maintain workers’
compensation insurance for all employees in the full amount required by
statute and full compliance with the applicable laws of the State of Florida
(Florida Statutes Chapter 440). Exemption certificates to this requirement are
not acceptable.
The Contractor shall obtain insurance which shall at least meet the following
minimum limits:
• State Worker’s Compensation: Statutory
• Employer’s Liability: $1,000,000.00 Each Accident
$1,000,000.00 Disease, Policy Limit
$1,000,000.00 Disease, Each Employee
1.1.4.4. Umbrella/ Excess Liability: Successful Bidder shall provide umbrella/excess
coverage with limits of no less than $1,000,000.00 excess of Commercial
General Liability, Automobile Liability and Employers Liability. *This
coverage is optional if the Contractor has $2,000,000 General Aggregate
under the Commercial General Liability Policy. **
1.1.5. An endorsement to the Commercial General Liability or Automobile Liability policy,
covering Contractor’s or subcontractor’s liability for bodily injury, property damage and
environmental damage resulting from sudden accidental and gradual pollution and related
clean-up cost incurred by the Contractor that arise from the Goods delivered or Services
(including transportation risk) performed by Contractor under this Contract is also
acceptable.
1.1.6. The Contractor shall declare any self-insured retention or deductible amount over $5,000
for any policy. The City reserves the right to reject any self-insured retention or deductible
over $5,000.
1.1.7. All insurance carriers shall be rated (A) or better by the most recently published A.M. Best
Rating Guide. Unless otherwise specified, it shall be the responsibility of the contractor to
ensure that all subcontractors comply with the insurance requirements set forth in this
Agreement. The City may request a copy of the insurance policy according to the nature of
the project. City reserves the right to accept or reject the insurance carrier.