Certificate of Insurance Requirements

Insurance Requirements

Commercial General Liability (CGL) – (occurrence form) coverage not less than:

 

$2,000,000      General Aggregate*

$2,000,000      Products and Completed Operations Aggregate

$1,000,000      Each Occurrence

*Including contractual liability, waiver of subrogation, primary & non-contributory.

Schedule of Endorsements must be provided

GL Policy Number must be listed

 

Automobile Liability: – Required for all Owned Autos or must provide ‘Hired & Non-Owned Auto’ coverage:

 

 

$1,000,000      Combined Single Limit*

Or

$1,000,000      Bodily Injury per Accident

$1,000,000      Bodily Injury per Person

$1,000,000      Property Damage

*Including waiver of subrogation in favor of CPCC

Umbrella Liability Additional coverage that can be combined to meet requirements

$5,000,000     Per occurrence

Workers’ Compensation

State Statutory Limits*

Employee Liability      $500,000         Each Accident*

$500,000         Disease Policy Limit

$500,000         Disease Each Employee

*Including waiver of subrogation in favor of CPCC

Additional Insured – Central Piedmont Community College (Attach Additional Insured Endorsement evidencing coverage of Ongoing Operations and Completed Operations for the additional insured)

– Coverage must be primary and non-contributory above any other insurance Central Piedmont Community College may carry.

– Waiver of Subrogation on all policies in favor of Central Piedmont Community College

– Make subcontractor’s insurance primary

Additional Requirements, When Applicable

Professional Liability (Errors and Omissions) —if professional services are being provided

$1,000,000      Per Occurrence

Aggregate $3,000,000

Contractor’s Pollution Liability — if applicable

$5,000,000      Each Pollution Condition

Aggregate $10,000,000

Transportation Coverage Endorsement —  if applicable

$1,000,000      Per Occurrence

 

Notes Regarding CPCC’s Insurance Requirements

1) CPCC needs to be listed as the Additional Insured: a. Central Piedmont Community College (Attach Additional Insured Endorsement evidencing coverage of Ongoing Operations and Completed Operations for the additional insured)

  • Coverage must be primary and non-contributory above any other insurance Central Piedmont Community College may carry
  • Waiver of Subrogation on all policies in favor of Central Piedmont Community College
  • Make subcontractor’s insurance primary

 

2) CPCC needs to be listed as the Certificate Holder:

Central Piedmont Community College and Central Piedmont Community College Foundation

Central Campus-Attn: Melissa Wilson

Mailing address: PO Box 35009, Charlotte NC 28235-5009  or  Physical address: 1300 E. 4th Street, Charlotte, NC 28204

3) CPCC requires a COI which shows General Liability, Workers’ Compensation, Automobile Liability and Umbrella Liability coverages. (The minimum coverages accepted are listed for each.)

a.         Risk Management may opt to waive the requirements for Automobile Liability or the Workers’ Compensation—depending on the scope and scale of the job or event.

b.         Risk Management may opt to waive the requirements for Umbrella Liability in addition to the GL—depending on the GL coverage as well as the scope and scale of the job or event.

4) If a service is being rendered, Risk Management will need to see proof of Professional Liability.

5) If the service being rendered involves waste removal of any kind, Risk Management needs to see Pollution Liability as well as Transportation Liability.

6) There may be instances where Risk Management will require additional insurance and/or coverages based on the service(s) provided.

Additional Requirements Pertaining to Vendors Providing Catering Services

    • In addition to showing proof of General Liability, please provide proof of Liquor Liability insurance coverage.
    • Due to the fact that a service is being rendered, please provide proof of Professional Liability.

     

    Documents for Reference:

    1. Example of a Generic Certificate of Insurance (COI)
    2. A CPCC COI which can be given to a vendor requesting a like document
    3. Print CPCC Certificate of Insurance Requirements for quick reference.