Minimum Insurance Requirements | Western Michigan University (2024)

Vendors providing services on Western Michigan University’s premises must provideCertificates of Insurance with the following minimum insurance coverage guidelines PRIORto thecommencement of any work.

The Vendor will maintain the minimum required insurance at its own expense and may be required to provide higher insurance limits and/or additional insurance coverage(s) such as Professional Liability, Cyber Risk Liability, Pollution Liability in accordance with the service(s) provided.

Purchases exceeding $5,000 or with higher risk typically have higher minimum insurance requirements.

Acceptable ACORD Insurance Certificate Requirementsmust include the following information:

* Workers’ Compensation is not required if the vendor/supplier is someone who owns an unincorporated business by themselves (a sole proprietor).

NOTE: RISK MANAGEMENT RESERVES THE RIGHT TO INCREASE AND/OR DECREASE INSURANCE COVERAGE/LIMITS BASED ON THE SCOPE OF WORK.

Activity or ServiceInsurance CoverageLimits

Amusem*nt & Game Activities

Bounce House, Bowling, Dunk Tanks, Ferris Wheels, Inflatables, Mechanical Bulls, Water Craft Activities such as Canoeing, Kayaking, Boating

Watercraft Liability required

A signed Liability Waiver is Required for all activities

Workers' Compensation & Employers' LiabilityStatutory Limits & Employers' Liability $1MCommercial General Liability$1M per occurrence / $2M aggregateAuto Liability$1MExcess Liability (umbrella)$5M per occurrenceWestern Michigan University listed as Additional InsuredArmored Truck ServiceWorkers' Compensation & Employers' LiabilityStatutory Limits & Employers' Liability $1MCommercial General Liability$1M per occurrence / $2M aggregateErrors & Omissions (Crime)$2M per occurrence / $2M aggregateAuto Liability$1MExcess Liability (umbrella)$2M per occurrenceWestern Michigan University listed as Additional Insuredexcept on Professional LiabilityAudit, Accounting, Legal FirmsWorkers' Compensation & Employers' LiabilityStatutory Limits & Employers' Liability $1MCommercial General Liability$1M per occurrence / $2M aggregateProfessional Liability$2M per occurrence / $2M aggregateAuto Liability$1MExcess Liability (umbrella)$1M per occurrenceWestern Michigan University listed as Additional Insuredexcept on Professional LiabilityBanking ServicesWorkers' Compensation & Employers' LiabilityStatutory Limits & Employers' Liability $1MCommercial General Liability$1M per occurrence / $2M aggregateProfessional Liability$5M per occurrence / $5M aggregateCyber Risk Liability$2M per occurrence / $6M aggregateAuto Liability$1MExcess Liability (umbrella)$1MCrime/Employee Dishonesty Liability$5M per occurrence/$5M aggregateBankers Bond must be provided (Crime/Employee Dishonesty Liability policy may include the Bankers Bond)Western Michigan University listed as Additional Insuredexcept on Professional Liability

Charter Aviation

*NOTE: Aircraft Liability rule of thumb is a minimum of $5-7M per seat

Workers' Compensation & Employers' LiabilityStatutory Limits & Employers' Liability $1MCommercial General Liability$1M per occurrence / $2M aggregateAviation Liability*$5M per occurrenceAuto Liability "All owned vehicles"$1MExcess Liability (umbrella)$5M per occurrenceWestern Michigan University listed as Additional Insuredexcept on Professional Liability

Charter Buses, Shuttle Buses, Limousine Rental Services,One-Day Bus Trips

Verify the company is registered with (FMCSA) Federal Motor Carrier Safety Administration (United States Department of Transportation)
Has a safety rating of “Satisfactory” by FMCSA
A minimum of $5,000,000 in Auto Liability insurance. A valid Certificate of Insurance is required – NO EXCEPTIONS.
Western Michigan University listed as additional insured.

Workers' Compensation & Employers' Liability

Statutory Limits/Employers' Liability $1M*

*Many drivers are contract drivers, not employees. Important to see who is covering them for Workers’ Compensation

Commercial General Liability$1M per occurrence / $2M aggregateAuto Liability "All owned vehicles"$5M (prefer $10M)Excess Liability (umbrella)$10M per occurrence or more depending on the number of travelersWestern Michigan University listed as Additional Insuredexcept on Professional Liability

Clinical Research Studies

MD
DO
DDS
OD
Pharmacies
Hospitals
Clinics

Workers' Compensation & Employers' LiabilityStatutory Limits/Employers' Liability $1MCommercial General Liability$1M per occurrence / $2M aggregateAuto Liability$1MMedical Professional Liability$1M per occurrence / $3M aggregateExcess Liability (umbrella)$1M per occurrenceWestern Michigan University listed as Additional Insuredexcept on Professional Liability

Consultants

(IT consulting services refer to IT Service Requirements)

Workers' Compensation & Employers' LiabilityStatutory Limits & Employers' Liability $1MCommercial General Liability$1M per occurrence / $2M aggregateProfessional Liability$2M per occurrence / $2M aggregateAuto Liability$1MExcess Liability (umbrella)$2M per occurrenceWestern Michigan University listed as Additional Insuredexcept on Professional LiabilityContract Licensed Professional working with MinorsWorkers' Compensation & Employers' LiabilityStatutory Limits & Employers' Liability $1MCommercial General Liability$1M per occurrence / $2M aggregateProfessional Liability$2M per occurrence / $2M aggregateSexual Abuse & Molestation$1M per occurrence / $2M aggregateAuto Liability$1MExcess Liability (umbrella)$2M per occurrenceWestern Michigan University listed as Additional Insuredexcept on Professional LiabilityCustodial Services and other Replacement Employee Services
(Non-University Employees permanent service provider)Workers' Compensation & Employers' Liability including alternate employer endorsem*ntStatutory Limits & Employers' Liability $1MCommercial General Liabilityw/Sexual Molestation Coverage$1M per occurrence / $2M aggregateAuto Liability$1MCrime(stealing of 3rd party property)$250,000 limitExcess Liability (umbrella)$5M per occurrenceWestern Michigan University listed as Additional Insuredexcept on Professional LiabilityDrone, UAV, UAS
(Commercial use on campus)Workers' Compensation & Employers' Liability (if operating drone on campus)Statutory Limits & Employers' Liability $1MCommercial General Liability(if operating drone on campus)$1M per occurrence / $2M aggregateAuto Liability (All owned vehicles) (if operating drone on campus)$1MAviation (Drone Liability) Insurance$5M per occurrence - minimumExcess Liability (umbrella)$5M per occurrenceWestern Michigan University listed as Additional Insuredexcept on Professional LiabilityEngineersWorkers' Compensation & Employers' LiabilityStatutory Limits & Employers' Liability $1MCommercial General Liability$1M per occurrence / $2M aggregateProfessional Liability$2M per occurrence / $2M aggregateAuto Liability$1MExcess Liability (umbrella)$2M per occurrenceWestern Michigan University listed as Additional Insuredexcept on Professional Liability

Food Service

Caterers, Food Trucks, Food Vendors

Workers' Compensation & Employers' LiabilityStatutory Limits & Employers' Liability $1MCommercial General Liability$1M per occurrence / $2M aggregateHost Liquor Liability (if Caterer is serving liquor)$5MAuto Liability$1MExcess Liability (umbrella)$2M per occurrence(receipts less than $1,000)
$5M per occurrence (receipts more than $1,000)Western Michigan University listed as Additional Insuredexcept on Professional Liability

Hazardous Materials Management with Disposal (Contract Value less than $100,000)

Asbestos
Chemicals
Lead

Workers' Compensation & Employers' LiabilityStatutory Limits & Employers' Liability $1MCommercial General Liability with Pollution & Legal Liability$2M per occurrence / $5M aggregateAuto Liability with Pollution & Legal Liability$1M per occurrenceExcess Liability (umbrella)$2M per occurrenceMUST have and show Environmental & Auto pollution endorsem*nt for transporting & pick-up/delivery to non-owned disposal sites.Western Michigan University listed as Additional Insuredexcept on Professional Liability

Hazardous Materials Management with Disposal (Contract Value more than $100,000)

Asbestos
Chemicals
Lead

Workers' Compensation & Employers' LiabilityStatutory Limits & Employers' Liability $1MCommercial General Liability & Pollution & Legal Liability$2M per occurrence / $10M aggregateAuto Liability with Pollution & Legal Liability$1M per occurrenceExcess Liability (umbrella)$5M per occurrenceEnvironmental & Auto pollution endorsem*nt for transporting & pick-up/delivery to non-owned disposal sites.Western Michigan University listed as Additional Insuredexcept on Professional Liability

iCloud Services

NOTE: ALL Information Technology purchases require review by the Office of Informational Technology prior to implementation. Refer tohttps://go.wmich.edu/s/article/Technology-Compliance-Review-Process

Risk Management reserves the right to increase and/or decrease insurance coverage and/or limits based on the scope of work

Professional Liability (Tech E&O)$1M per occurrence/$2M aggregateCyber Liability (NEVER accept waiver of subrogation on cyber coverage)$5M per occurrence/ $5M aggregateExcess Liability (umbrella)$2M per occurrenceWorkers' Compensation & Employers' LiabilityStatutory Limits & Employers' Liability $1MCommercial General Liability$1M occurrence/$2M aggregateAuto Liability$1MWestern Michigan University listed as Additional Insuredexcept on Professional Liability

Information Technology Services

NOTE: ALL Information Technology purchases require review by the Office of Informational Technology prior to implementation. Refer to https://go.wmich.edu/s/article/Technology-Compliance-Review-Process

Risk Management reserves the right to increase and/or decrease insurance coverage and/or limits based on the scope of work

Professional Liability (Tech E&O)$2M per occurrence/$2M aggregateCyber Liability (NEVER accept waiver of subrogation on cyber coverage)$5M per occurrence/ $5M aggregateExcess Liability (umbrella)$1M per occurrenceWorkers' Compensation & Employers' LiabilityStatutory Limits & Employers' Liability $1MCommercial General Liability$1M per occurrence/$2M aggregateAuto Liability$1MWestern Michigan University listed as Additional InsuredInvestment Advisory ServicesWorkers' Compensation & Employers' LiabilityStatutory Limits & Employers' Liability $1MCommercial General Liability$1M per occurrence / $2M aggregateProfessional Liability$5M per occurrence / $5M aggregateFiduciary Liability$10MAuto Liability$1MExcess Liability (umbrella)$1M per occurrenceWestern Michigan University listed as Additional Insuredexcept on Professional Liability

Maintenance Agreements

Copiers
Printers
Miscellaneous Maintenance
Autoclave Maintenance

Medical Professionals hired as an Independent Contractor

MD
DO
DDS OD
Psychologist
Psychiatrist
Family Nurse Practitioner
Athletic Trainers

Workers' Compensation & Employers' LiabilityStatutory Limits & Employers' Liability $1MCommercial General Liability$1M per occurrence / $2M aggregateMedical Professional Liability$1M per occurrence / $3M aggregate[If the Medical Professional Liability policy does not specifically exclude Sexual Abuse and Molestation, a separate Sexual Abuse and Molestation Policy is not required]Sexual Abuse & Molestation$1M per occurrence / $2M aggregate [see note under Medical Professional Liability]Auto Liability$1MExcess Liability (umbrella)$2M per occurrenceWestern Michigan University listed as Additional Insuredexcept on Professional LiabilityMoving/Transit ServiceWorkers' Compensation & Employers' LiabilityStatutory Limits & Employers' Liability $1MCommercial General Liability$1M per occurrence / $2M aggregateAuto Liability$1MExcess Liability (umbrella)$2M per occurrenceInland MarineValue of goods being transportedWestern Michigan University listed as Additional Insuredexcept on Professional LiabilitySelf-Employed/Sole-Proprietorship Including LLC’sCorporations, limited liability companies (LLC) and partnerships must either have a workers' compensation policy or a Notice of Exclusion Form, WC-337, on file with this Michigan Compliance & Employee Records Division. The owner(s) are considered an employee(s) of the business.Sole proprietors only require a workers' compensation policy when they have 1 full time or 3 part-time employees. The owner of a sole proprietor is not considered an employee of the business.

In order to allow self-employed vendors to work on campus without auto insurance and without workers compensation insurance, the following self-employed insurance guidelines need to be answered/followed:

1. Is the vendor self-employed and classified as a sole-proprietorship? If yes, go to #2 below. If no, go to #3 below.

2. If the vendor is self-employed and classified as a sole-proprietorship, the following information is needed:

a. A certificate of insurance with minimum general liability limits of $1 million per occurrence/$2 million aggregate, if applicable.

b. A copy of the vendor’s DBA (doing business as), if applicable.

c. The vendor’s tax ID number, if applicable.

d. A statement/letter stating that the vendor is a self-employed, sole-proprietorship, who works independently, has no employees, does not work for Western Michigan University, and will provide their own auto insurance coverage. This statement/letter IS required with or without the other three items listed above.

3. If the vendor is self-employed and not classified as a sole-proprietorship, the following information is needed:

a. The type of entity that the vendor is classified as – partnership, corporation, LLC, or other.

b. A certificate of insurance with minimum general liability limits of $1 million per occurrence/$2 million aggregate, if applicable.

c. A copy of the vendor’s DBA (doing business ad), if applicable.

d. The vendor’s tax ID number, if applicable.

e. Depending on the classification, a “WC-337 Notice of Exclusion Form” may be needed. Contact the “Compliance & Employer Records Division” with the State of Michigan at 517-284-8922 for help with filing this form. If a form is completed, a copy must be sent to Western Michigan University with the other items listed above, along with a statement that the vendor will provide their own auto insurance coverage.

f. A statement/letter stating that the vendor is self-employed, works independently, has or does not have employees, does not work for Western Michigan University, and will provide their own auto insurance coverage is needed, if, the “WC-337 Notice of Exclusion Form” does not apply.

Shredding ServiceWorkers' Compensation & Employers' LiabilityStatutory Limits & Employers' Liability $1MCommercial General Liability$1M per occurrence / $2M aggregateProfessional Liability (Privacy Coverage)$2M per occurrence / $2M aggregateAuto Liability$1MExcess Liability (umbrella)$5M per occurrenceWestern Michigan University listed as Additional Insuredexcept on Professional Liability;HIPPA endorsem*nt

Summer Camp Providers

(non-University run)

Workers' Compensation & Employers' LiabilityStatutory Limits & Employers' Liability $1M*Commercial General Liability$1M per occurrence / $2M aggregateSexual Abuse & Molestation$1M per occurrence / $2M aggregateAuto Liability$1MExcess Liability (umbrella)$2M per occurrenceWestern Michigan University listed as Additional Insuredexcept on Professional LiabilitySurveyorsWorkers' Compensation & Employers' LiabilityStatutory Limits & Employers' Liability $1MCommercial General Liability$1M per occurrence / $2M aggregateProfessional Liability$2M per occurrence / $2M aggregateAuto Liability$1MExcess Liability (umbrella)$1M per occurrenceWestern Michigan University listed as Additional Insuredexcept on Professional Liability

Temporary Staffing Company

(Non-University Employees permanent service provider)

- Clerical Staff

- IT Professionals

Temporary Medical Professionals - See Medical Professional requirements

Workers' Compensation & Employers' LiabilityStatutory Limits & Employers' Liability $1MCommercial General Liability$1M per occurrence / $2M aggregateAuto Liability$1MCrime$250,000Excess Liability (umbrella)$5M per occurrenceWestern Michigan University listed as Additional Insuredexcept on Professional LiabilityTesting LabsWorkers' Compensation & Employers' LiabilityStatutory Limits & Employers' Liability $1MCommercial General Liability$1M per occurrence / $2M aggregateProfessional Liability$2M per occurrence / $2M aggregateAuto Liability$1MExcess Liability (umbrella)$1M per occurrenceWestern Michigan University listed as Additional Insuredexcept on Professional LiabilityTravel Agents (Domestic)

International Travel reservations consult with Risk Management

Workers' Compensation & Employers' LiabilityStatutory Limits & Employers' Liability $1MCommercial General Liability$1M per occurrence / $2M aggregateProfessional Liability$2M per occurrence / $2M aggregateTravel Surety Bond (If a deposit is required) to ensure a guarantee of payment to the appropriate person or business that partners with the travel agent (e.g. resorts, hotels, cruise lines, etc.)Auto Liability$1MExcess Liability (umbrella)$2M per occurrenceWestern Michigan University listed as Additional Insuredexcept on Professional LiabilityValet ServiceWorkers' Compensation & Employers' LiabilityStatutory Limits & Employers' Liability $1MCommercial General Liability$1M per occurrence / $2M aggregateAuto Liability$1MGarage Keepers Liability$2MExcess Liability (umbrella)$1M per occurrenceWestern Michigan University listed as Additional Insuredexcept on Professional Liability

Minimum Insurance Requirements | Western Michigan University (2024)

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