Minimum Insurance Requirements for Vendors and NonConstruction Contracts

Obligations of Vendors

Vendors (whether corporation, sole proprietorship or partnership) shall procure and maintain during the term of the contract insurance of the types of coverages and minimum limits as identified here and shall provide the University of North Florida (UNF) with Certificate(s) of Insurance evidencing these coverages prior to the beginning of the contract. 

• It is the responsibility of the Vendors to become familiar with UNF's insurance requirements and to ensure that they can meet these requirements prior to signing of any contract(s). Please provide this exhibit to your insurance agent so the correct certificate can be issued without delay. 
• No Vendor shall provide contracted services and shall not be paid for any contracted services until proper certificate(s) of insurance has been submitted to and approved by the UNF. All required insurance policies shall be written by a company(s) authorized to do business in Florida. UNF shall not be liable to any person for the failure of the Vendor to carry specified insurance.
• If any part of any coverage includes a deductible, self-insurance, a captive insurance company or a fronting arrangement, the amount so covered must be disclosed on the certificate or in a separate letter from the Vendor and shall be the responsibility of the Vendor. UNF reserves the right to approve of this coverage.

CERTIFICATE HOLDER: University of North Florida Board of Trustees 1 UNF Drive Jacksonville, FL 32224

Insurance Requirements

1. General Liability

• Each occurrence: $1 million 
• Products: $1 million  Damage to premises: $500,000 
• General aggregate: $2 million 
• The "COMMERCIAL GENERAL LIABILITY" box must be checked 
• The "OCCUR" box must be checked 

2. Automobile Liability

• The box(es) that is/are checked must include a check in the box for Any Auto or All Owned, Hired and Non-Owned Autos 
• Combined Single Limit coverage: $1 million. 
• If separate Bodily Injury and Property Damage limits are purchased, each must be $1 million. 

3. Excess/Umbrella

• Excess coverage per se is not required. However, any of the dollar amount requirements can be met by a combination of primary and excess coverage.
• Excess/umbrella coverage must be per occurrence coverage.
• UNF reserves the right to require increased limits of coverage if, in the opinion of UNF, any provision of the contract includes products or activity that is hazardous in nature or poses a higher than usual risk.

4. Worker's Compensation

If the Vendor will be on University premises (other than incidental visits to the Purchasing Department), the Vendor shall procure and maintain a Workers' Compensation policy to cover its obligation under the applicable laws of any state or federal government to its employees employed on the job site or elsewhere on this project, including its liability as an employer under common law (commonly known as Employer's Liability Coverage "B") with limits of not less than that listed below. Before commencing contracted activities, If the Vendor has no employees (i.e., a one-person shop), then a Certificate of Exception must be obtained from the State.

Worker's Compensation: Statutory
Employer's Liability: $ 500,000 for each accident or disease $ 500,000 policy limit $ 500,000 for each employee

Insurance Policy Endorsements

All insurance policies must provide the following endorsements to the policy and must be noted on the certificate(s):