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Archiving Services
Auto-Related Businesses
Common Carriers
Delivery of Goods
Information Technology
Leased Space
Navigable Waters
Pollution Risks
Public Works
Security-Related Issues
Various
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Various:
Elevator Maintenance and Repair
Equipment Repair and Maintenance (may require garage insurance)
Food Service
Heavy Equipment with Operator
Janitorial Services (Non-Sensitive Areas)
Laundry Service
Landscape Services
Planting/Tubing/Tree Nursery Service
Shuttles or Busses
Tree Trim/Removal
Vending Machines Placed on State Property
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Workers´ Compensation
Commercial General Liability
Automobile Liability
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Assess the risks of the particular contract to select appropriate insurance coverages. Each state agency will need to make business decisions to determine if the suggested insurance coverages will be required for a particular contract.
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Archiving Documents and Microfilm
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Workers´ Compensation
Commercial General Liability
Bailees´ Coverage
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Assess the risks of the particular contract to select appropriate insurance coverages. Each state agency will need to make business decisions to determine if the suggested insurance coverages will be required for a particular contract.
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Auto Dealers, Service Stations, Auto Repair Shops, Parking Lots, Garages and Other Auto-Related Businesses
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Workers´ Compensation
Garage Liability
Garagekeepers´ Legal Liability
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Assess the risks of the particular contract to select appropriate insurance coverages. Each state agency will need to make business decisions to determine if the suggested insurance coverages will be required for a particular contract.
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Common Carriers
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Workers´ Compensation
Commercial General Liability
Pollution Liability
Truckers Coverage Form
Motor Truck Cargo Liability Coverage
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Assess the risks of the particular contract to select appropriate insurance coverages. Each state agency will need to make business decisions to determine if the suggested insurance coverages will be required for a particular contract.
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Delivery of Goods with No Services
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Commercial General Liability coverage is not required. The major exposure from this service is bodily injury or property damage as a result of delivery of the goods onto state premises, especially the back up of the delivery vehicles.
If the goods are to be delivered by the vendor, use the standard Automobile Liability clause, and place the following phrase at the beginning of the clause: "If the Contractor or its Subcontractor delivers any product, this clause is applicable. If a common carrier is used, it is not applicable."
Do not require Additional Insured or Notice of Cancellation or Change clauses.
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Assess the risks of the particular contract to select appropriate insurance coverages. Each state agency will need to make business decisions to determine if the suggested insurance coverages will be required for a particular contract.
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Information Technology:
Computer Hardware or Software Services (Network, Mainframe, or Stand-alone)
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Workers´ Compensation
Commercial General Liability
Automobile Liability
Professional Liability
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Assess the risks of the particular contract to select appropriate insurance coverages. Each state agency will need to make business decisions to determine if the suggested insurance coverages will be required for a particular contract.
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Navigable Waters:
Charter Fishing or Other Contracts Involving Motorized Watercraft
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Workers´ Compensation, Jones Act or other maritime coverage
Commercial General Liability
Marine Protection and Indemnity Coverage
Pollution Liability
Hull Coverage w/Collision Liability Coverage
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Assess the risks of the particular contract to select appropriate insurance coverages. Each state agency will need to make business decisions to determine if the suggested insurance coverages will be required for a particular contract.
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Pollution Risks:
Asbestos Abatement Services
Hazardous Material Hauling/Disposal
Pest Control
Refuse Service
Sales Agreements - Sales of Surplus, Scrap, or Recyclable Material
Other Pollution Related Contracts
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Workers´ Compensation
Commercial General Liability
Automobile Liability or Truckers Coverage Form
Asbestos Liability
Pollution Liability
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Assess the risks of the particular contract to select appropriate insurance coverages. Each state agency will need to make business decisions to determine if the suggested insurance coverages will be required for a particular contract.
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Public Works/Public Construction or Improvement Contracts
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Workers´ Compensation
Commercial General Liability
Automobile Liability
Builders' Risk
Builders' Risk Installation Floater
Pollution Liability
Performance/Payment Bond
Alternative Insurance called "wrap-up" may apply on very large construction projects (90 million and up.)
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Assess the risks of the particular contract to select appropriate insurance coverages. Each state agency will need to make business decisions to determine if the suggested insurance coverages will be required for a particular contract.
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Security-Related Issues:
Armored Car Service
Janitorial Service (Sensitive Areas)
Security Service
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Workers´ Compensation
Commercial General Liability
Automobile Liability
Employee Dishonesty, Third Party Fidelity Bond, and (when applicable) Money and Securities
Professional Liability - When armed guards are utilized.
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Assess the risks of the particular contract to select appropriate insurance coverages. Each state agency will need to make business decisions to determine if the suggested insurance coverages will be required for a particular contract.
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Space Leased from the State
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Commercial General Liability
Require Property Coverage when the limits under CGL for "Damage to Premises Rented to You" are inadequate for the value of the structure.
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Assess the risks of the particular contract to select appropriate insurance coverages. Each state agency will need to make business decisions to determine if the suggested insurance coverages will be required for a particular contract.
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Revised 4/04
Note: Examples of contract types are not intended to be limited to those listed above.
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