Insurance Requirements
Vendor shall provide proof of insurance capabilities, including but not limited to, the requirements of this Solicitation. Coverage does not have to be in effect prior to a Purchase Order or Contract being executed by the County.
Awarded Vendor (Contractor) shall provide an original certificate of insurance reflecting coverage in accordance with the requirements of this Exhibit B within five (5) working days of such request. It must be received and accepted by the County prior to Contract execution and before any work begins.
Contractor shall provide and maintain insurance policies with a company(ies) authorized to do business in the State of Florida, and which are acceptable to the County, insuring the Contractor against any and all claims, demands, or causes of action whatsoever, for injuries received or damage to property relating to the performance of duties, services, or obligations of the Contractor under the terms and provisions of the Contract without cost or expense to the County during the entire term of any Contract. Contractor is responsible for timely provision of certificates of insurance to the County at the Certificate Holder address evidencing conformance with the Contract requirements at all times throughout the term of the Contract.
Such policies of insurance, and confirming certificates of insurance, must insure the Contractor is in accordance with the following minimum limits:
General Liability insurance on forms no more restrictive than the latest edition of the Occurrence Form Commercial General Liability policy (CG 00 01) of the Insurance Services Office or equivalent without restrictive endorsements, with the following minimum limits and coverage:
| Each Occurence/General Aggregate |
$500,000 |
| Products-Completed Operations |
$500,000 |
| Personal & Adv. Injury |
$500,000 |
| Fire Damage |
$50,000 |
| Medical Expense |
$5,000 |
| Contractual Liability |
Included |
Automobile liability insurance, including owned, non-owned, and hired autos with the following minimum limits and coverage:
| Combined Single Limit |
$300,000 |
| or |
|
| Bodily Injury (per person) |
$100,000 |
| Bodily Injury (per accident) |
$300,000 |
| Property Damage |
$100,000 |
Workers’ compensation insurance based on proper reporting of classification codes and payroll amounts in accordance with Chapter 440, Florida Statutes, and any other applicable law requiring workers’ compensation (Federal, maritime, etc.). If not required by law to maintain workers’ compensation insurance, the Contractor must provide a notarized statement to not hold the County responsible for any payment or compensation.
Employers Liability insurance with the following minimum limits and coverage:
| Each Accident |
$100,000 |
| Disease-Each Employee |
$100,000 |
| Disease-Policy Limit |
$500,000 |
Professional liability and specialty insurance (medical malpractice, engineers, architect, consultant, environmental, pollution, errors and omissions, etc.) as applicable, with minimum limits of $500,000 and annual aggregate of $1,000,000.
The following additional coverage must be provided if a dollar value is inserted below:
| Loss of Use at coverage value: |
none |
| Garage Keepers Liability at coverage value: |
none |
Lake County, a Political Subdivision of the State of Florida, and the Board of County Commissioners, must be named as additional insured as the County’s interest may appear on all applicable liability insurance policies.
The certificates of insurance, must provide for a minimum of thirty (30) days prior written notice to the County of any change, cancellation, or nonrenewal of the provided insurance. It is the Contractor’s specific responsibility to ensure that any such notice is provided within the stated timeframe to the County.
Contractor must provide a copy of all policy endorsements reflecting the required coverage, with Lake County listed as an additional insured along with all required provisions to include waiver of subrogation at time of Contract. Contracts cannot be completed without this required insurance documentation. (Note: A simple COI WILL NOT be accepted in lieu of the policy endorsements).
Certificates of insurance must identify the applicable solicitation number in the Description of Operations section of the Certificate. Certificate Holder must be:
LAKE COUNTY, A POLITICAL SUBDIVISION OF THE STATE OF FLORIDA, AND THE BOARD OF COUNTY COMMISSIONERS.
P.O. BOX 7800
TAVARES, FL 32778-7800
Certificates of insurance must evidence a waiver of subrogation in favor of the County, that coverage will be primary and noncontributory, and that each evidenced policy includes a Cross Liability or Severability of Interests provision, with no requirement of premium payment by the County.
Contractor will be responsible for subcontractors and subcontractors’ insurance. Subcontractors must provide certificates of insurance to the Contractor evidencing coverage and terms in accordance with the Contractor’s requirements.
All self-insured retentions must appear on the certificates and will be subject to approval by the County. At the option of the County, the insurer must reduce or eliminate such self-insured retentions, or the Contractor or subcontractor must procure a bond guaranteeing payment of losses and related claims expenses.
The County will be exempt from, and in no way liable for, any sums of money, which may represent a deductible or self-insured retention in any insurance policy. The payment of such deductible or self-insured retention will be the sole responsibility of the Contractor or subcontractor providing such insurance.
Failure to obtain and maintain such insurance as set out above will be considered a breach of Contract and may result in termination of the Contract for default.
Neither approval by the County of any insurance supplied by the Contractor or subcontractors, nor a failure to disapprove that insurance, will relieve the Contractor or subcontractors of full responsibility for liability, damages, and accidents as set forth in this solicitation or any Contract arising from this solicitation.