Indemnification and Insurance Recommendations

The following tables are designed to assist members in identifying the recommended indemnification and insurance requirements based on the type of agreement.

Topics

Contractors — Construction

Such as alteration, repair, improvement, renovation, maintenance, removal of or demolition of any building, highway, road, parking facility, bridge, water line, sewer line, electric utility transmission or distribution line, excavation or other improvement to real or personal property.

Language Examples

Coverages

  • General Liability
  • Auto
  • Workers Compensation
  • Professional Liability
  • Pollution
  • Builders Risk (Project Dependent)
  • Property

Endorsements

  • Ongoing Operations — CG 20 10, CG 20 26, CG 20 33 (no sub), CG 20 38
  • Completed Operations — CG 20 37, CG 20 39 (no sub), CG 20 40
  • Primary Noncontributory — CG 20 01
  • WC Waiver of Subrogation

Service Providers

Most routine maintenance, on-site equipment maintenance agreements, general services. Vendors who supply equipment and other products but do not perform other functions such as installation.

Language Examples

Coverages

  • General Liability
  • Automobile (Project Dependent)
  • Workers Compensation
  • Professional Liability

Endorsements

  • Ongoing Operations — CG 20 10, CG 20 26, CG 20 33 (no sub), CG 20 38
  • Completed Operations — CG 20 37, CG 20 39 (no sub), CG 20 40
  • Primary Noncontributory — CG 20 01
  • WC Waiver of Subrogation

Professional Services

Accountants, legal counsel, Information Technology with Cyber Exposures.

Language Examples

Coverages

  • General Liability
  • Automobile (Project Dependent)
  • Workers Compensation
  • Professional Liability

Endorsements

  • Ongoing Operations — CG 20 10, CG 20 26, CG 20 33 (no sub), CG 20 38
  • Completed Operations — CG 20 37, CG 20 39 (no sub), CG 20 40
  • Primary Noncontributory — CG 20 01
  • WC Waiver of Subrogation

Leases

For tenants and concessionaires -such as building and land leases, and cellular towers on-premises.

Language Examples

Coverages

  • General Liability
  • Workers Compensation
  • Property

Endorsements

  • Ongoing Operations — CG 20 10
  • Primary Noncontributory — CG 20 01
  • WC Waiver of Subrogation

Use of Facilities

Such as use of Agency parking lot for community event or use of Agency grounds for a special event.

Language Examples

Coverages

  • General Liability

Endorsements

  • Ongoing Operations — CG 20 10
  • Primary Noncontributory — CG 20 01
  • WC Waiver of Subrogation

Encroachment Permit

Such as Developer/Contractor requesting access to Agency infrastructure.

Language Examples

Coverages

  • General Liability
  • Automobile
  • Workers Compensation

Endorsements

  • Ongoing Operations — CG 20 10, CG 20 12, CG 20 26, CG 20 38
  • Completed Operations — CG 20 37
  • Primary Noncontributory — CG 20 01

Other Samples