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

Cyber Liability

$3,000,000     Per Occurrence

Notes Regarding CPCC’s Insurance Requirements

1. Central Piedmont Community College must be added as an Additional Insured as it pertains to the work done/service provided and/or product delivered to the College.

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. The Certificate Holder must be:

Central Piedmont Community College
ATTN: ENTERPRISE RISK MANAGEMENT, Kenneth Agbatutu
PO Box 35009
Charlotte, NC 28235

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. Enterprise 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. Enterprise 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.  Additional insurance and/or coverages may be requested based on the services provided to the College.

Additional Requirements

  • If a service is being rendered, Enterprise Risk Management will need to see proof of Professional Liability.
  • If the service being rendered involves waste removal of any kind, Enterprise Risk Management needs to see Pollution Liability as well as Transportation Liability.
  • If any products and/or services related to information technology (including hardware and/or software) are provided to CPCC, Cyber Liability will be required. Additionally, network security liability arising from the unauthorized access to, use of, or tampering with computer systems, including hacker attacks or inability of an authorized third party to gain access to your services, including denial of service, unless caused by a mechanical or electrical failure.

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.