AU Insurance Requirements

The contractor shall, at its own expense, procure and maintain insurance of the kinds and limits listed hereunder. Certificate(s) of insurance issued by the contractor’s insurance carrier shall be furnished to Auburn University before beginning work and shall name Auburn University as an Additional Insured on both the General Liability and Automobile Liability policies. If any subcontractor is used to fulfill this contract, they or the General Contractor on their behalf, shall carry the same coverages and limits of insurance outlined herein. It shall be the General Contractors responsibility to ensure compliance of this requirement.

Workers’ Compensation and Employers’ Liability Insurance

a) Workers’ Compensation insurance shall be written in accordance with statutory coverage required by the State of Alabama. Alabama employers are subject to Workers’ Compensation Statutes if they employ five (5) or more employees. Part-time employees and officers of a corporation are considered employees. A self-insurer must provide a certificate issued by the Alabama Department of Industrial Relations stating the contractor is qualified to pay its worker’s compensation claims.

b) Employer’s Liability Insurance shall be written with minimum limits of:

1. Bodily Injury by Accident - $1,000,000 each accident

2. Bodily Injury by Disease - $1,000,000 each employee

Commercial General Liability Insurance
Commercial General Liability Insurance shall be written on an occurrence form and shall provide at minimum the following limits:
Each Occurrence $1,000,000
General Aggregate $1,000,000
Products Completed Operations Aggregate $1,000,000
Personal & Advertising Injury $1,000,000
Contractual Liability Included

In Addition the:
  • Policy must cover all activities to be performed by the contractor.
  • Policy must not contain any exclusion for intentional acts performed by the contractor.
  • Policy must not contain any exclusion for abuse from sexual, emotional or physical actions.
Professional Liability
Policy must include coverage for Professional Liability if the contractor is performing a Professional Service for Auburn University. Professionals are bound by law to 1) perform the service for which they were hired, and 2) perform those services in accordance with the appropriate standards of conduct. Professional Liability Insurance will be required of, but not limited to, (a) physicians, (b) pharmacists (c) accountants, (d) architects, (e) engineers, (f) counselors, (g) attorneys, (h) veterinarians.

Minimum limits of insurance required are $1,000,000.

Liquor Liability
Policy must include coverage for Liquor Liability if the contractor is in the business of manufacturing, distributing, selling, serving or furnishing alcoholic beverages.
Minimum limits of insurance required are $1,000,000. Revised 2/05 Page 6 of 6

Commercial Automobile Liability Insurance
Commercial Automobile Liability Insurance shall be written to include coverage for bodily injury and property damage arising from ownership, maintenance or use of any and all owned, non-owned and/or hired automobile.

Minimum limit $1,000,000 Combined Single Limit.

Due to the nature of some projects, Auburn University reserves the right to require additional limits of liability coverage.

All insurance coverage shall be issued by an insurer licensed by the Insurance Commissioner to conduct business in the State of Alabama and have a minimum current A.M. Best rating of A.

Each policy shall be endorsed to provide that the policy not be canceled, non-renewed, changed or allowed to lapse for any reason without thirty (30) days of written notice to Auburn University. Insurance policies meeting the requirements stated above shall be maintained for the duration of the project. Renewal certificates shall be sent to Auburn University thirty (30) days prior to any expiration date of coverage.

Last Updated: July 29, 2014