PLEASE NOTE: Insurance required by the Town of Westport changes over time and will depend on the nature of the work with the Town, but below is a list of policies and limits that the Town typically requires. 

 

TOWN OF WESTPORT SUGGESTED INSURANCE REQUIREMENTS FOR VENDORS/CONTRACTORS

Insurance Requirements

CONTRACTOR shall obtain the minimum insurance coverages described below and maintain such coverages for the life of this Agreement, or longer if otherwise required by this Agreement, from a company or companies with an A.M. Best rating of A- (VII) or better. All insurance shall be carried with insurers authorized to do business in the State of Connecticut. Such insurance shall protect the Town from claims that may arise out of or result from, or may be alleged to arise out of or result from, CONTRACTOR’S obligations under this Agreement and/or from the obligations of any subcontractor and/or any other person or entity directly or indirectly employed by said CONTRACTOR and/or by anyone for whose acts said CONTRACTOR may be liable. CONTRACTOR must require that all sub-contractors, agents and assigns procure and maintain sufficient insurance protection. CONTRACTOR shall not commence work under this Agreement until all insurance required of CONTRACTOR has been procured and approved by the Town.

Before the execution of this Agreement by the Town, CONTRACTOR shall provide the Town with certificates of insurance for each policy required by this Agreement. CONTRACTOR shall provide updated certificates of insurance at least 30 days before any renewal of any such coverage. The certificates shall require notice of cancellation to the Town according to policy provisions.

A. Workers Compensation:

CONTRACTOR shall provide statutory workers compensation insurance required by law with employer’s liability limits for at least the amounts of liability for bodily injury by accident of $500,000 each accident and bodily injury by disease of $500,000 including a waiver of subrogation in favor of the Town. Full compliance with the United States Longshoremen’s and Harbor Workers' Compensation Act and the Jones Act is required where applicable.

B. Commercial General Liability Insurance:

CONTRACTOR shall provide commercial general liability insurance including products and completed operations and including XCU coverage if applicable. Limits shall be at least: Bodily injury & property damage coverage with an occurrence limit of $1,000,000; Personal & advertising injury limit of $1,000,000 per occurrence; General aggregate limit of $2,000,000 (other than products and completed operations); Products and completed operations aggregate limit of $2,000,000. Coverage will continue three years after the completion of the work.

• The policy shall name the Town as an additional insured and include ISO Form CG 2010 (04/13) and CG 2037 (04/13) or equivalent.
• Such coverage will be provided on an occurrence basis and shall be primary and shall not contribute in any way to any insurance or self insured retention carried by the Town.
• The policy shall contain a waiver of subrogation in favor of the Town.
• Such coverage shall contain a broad form contractual liability endorsement or wording within the policy form to comply with the hold harmless and indemnity provision(s) of all agreements between the Town and CONTRACTOR.
• A per project aggregate limit of liability endorsement shall apply for any construction contract.
• Deductible and self-insured retentions shall be declared and are subject to the approval of the Town.

C. Commercial Automobile Insurance:

CONTRACTOR shall provide commercial automobile insurance for any owned, non-owned or hired autos, in the amount of $1,000,000 each accident covering bodily injury and property damage on a combined single limit basis. The policy shall name the Town as an additional insured and provide a waiver of subrogation.

D. Umbrella or Excess Liability Insurance:

CONTRACTOR shall provide an umbrella or excess liability policy in excess (without restriction or limitation) of those limits and coverages described in items (A) through (C). Such policy shall contain limits of liability in the amount of $5,000,000 each occurrence and $5,000,000 in the aggregate. The Town reserves the right to require higher limits of umbrella or excess liability coverage depending on the scope of the agreement.

E. Errors & Omissions Insurance:

If this Agreement is for professional services, CONTRACTOR shall provide errors & omissions insurance for liability resulting from the negligent performance of professional duties or operations. Such policy shall contain limits of liability in the amount of $1,000,000 each claim and $3,000,000 in the aggregate. The policy shall provide a waiver of subrogation in favor of the Town.

F. Educators Errors & Omissions Insurance:

If the Agreement is for educational services, CONTRACTOR shall provide educator errors & omissions for liability resulting arising out of any breach of duty, neglect, error, misstatement, or omission committed in the course of their duties. Such policy shall contain limits of liability in the amount of $1,000,000 each occurrence and $1,000,000 in the aggregate. The policy shall name the Town as an additional insured.

G. Contractors Pollution Liability:

If this Agreement includes work involving abatement, removal, clean-up or handling of any pollutant or hazardous material, CONTRACTOR shall provide pollution liability insurance, including products and completed operations and contractual liability coverage of not less than $5,000,000 each occurrence and $5,000,000 in the aggregate for this project. The policy shall name the Town as an additional insured and waive subrogation in favor of the Town.

H. Property Insurance:

If this Agreement includes work involving the construction, renovation, repair or replacement of any structure, equipment or other property or any portion thereof, then at the option of the Town, CONTRACTOR shall provide All Risk Builders Risk coverage with a limit sufficient to replace the structure, equipment and other property to be installed until such structure, equipment or other property is approved and accepted by the Town. The Town shall be listed as an additional named insured on the All Risk Builders Risk policy, and a waiver of subrogation shall apply. CONTRACTOR shall assume full responsibility for its own and its employees’ tools and equipment as well as for those tools and equipment of its subcontractors and their employees.