Download the Insurance and Bonding Guidelines

The following recommended minimum insurance limits apply to vendors doing business with the University of Tennessee. The Standard Insurance Limits are recommended for all procurements of goods and ancillary services. The specific requirements for vendors providing high risk services supersede the Standard Insurance Limits. Coverage types and limits are recommended minimums and should be increased as appropriate based on contract value and potential risks to the university. Procuring entities should always consult with appropriate risk management experts. Please contact The University of Tennessee Office of Risk Management, who can assist entities in risk management analysis. In order for our office to advise on necessary coverage types and limits for a specific bid request, please send queries to Pamela Jeffreys at pjeffrey@utk.edu at least two weeks before anticipated bid request release.

 

To achieve the appropriate coverage levels, a combination of a specific policy written with an umbrella policy covering liabilities above stated limits is acceptable. (For example: If appropriate limits are $2 million per occurrence and $2 million aggregate, acceptable coverage would include a specific policy covering $1 million per occurrence and $1 million aggregate written with an umbrella policy for an additional $1 million)

 

Important:

All policies must contain a provision that coverage afforded under the policies must not be canceled, changed, allowed to lapse, or allowed to expire until 30 calendar daysafter written notice has been given to the certificate holder on the Certificate of Insurance (COI). All such coverage shall remain in full force and effect during the initial term of the agreement and any renewal or extension thereof.

All policies must be issued by an insurance company licensed to do business in the State of Tennessee, with a minimum AM Best rating of A, signed by an authorized agent. Bonds are required to be signed by a licensed resident agent in pursuant to T.C.A. 65-15-108.

Please note: The list of high risk categories, relevant insurance types, and recommended limits are to be used as guidelines and are indicative of best practices but are not exhaustive. Your insurance needs may by higher (or lower). Please consult the UT System Office of Risk Management for any questions.

 

A.   Standard Insurance Limits for Goods and AncillaryServices

 

Workers Compensation (WC):

 

Statutory Limits – required in all contracts

Employers’ Liability Each Accident $ 100,000
Employers’ Liability Disease – each employee $ 100,000
Employers’ Liability Disease – policy limit $ 500,000
 

Commercial General Liability (CGL):

 

 

 Each Occurrence Limit  $ 1,000,000
 Damage to Rented Premises – Ea. Occ.  $ 300,000
 Medical Expense – any one person  $ 10,000
 Personal & Advertising Injury Limit  $ 1,000,000
 General Aggregate Limit  $ 2,000,000
 Products/Completed Ops. Aggregate Limit  $ 2,000,000
 

Automobile Liability:

 

 

Combined Single Limit  $ 1,000,000

The following language should be included in the Description of Operations section of the COI:

The University of Tennessee, its Board of Trustees, officers, employees, agents, and volunteers are named as Additional Insureds with respect to the General and Automobile Liability policies. A Waiver of Subrogation applies to Workers Compensation, General Liability and Automobile Liability policies as evidenced on this certificate of insurance. All insurance policies above are primary and non-contributory to any other insurance available to the Certificate Holder. A thirty-day notice of cancellation is required.


B.   High Risk Insurance Limits


Air Charter

Workers Compensation (WC): $ 1,000,000
 

Commercial General Liability (CGL):

 

 

 Each Occurrence Limit  $ 1,000,000
 Damage to Rented Premises – Ea. Occ.  $ 300,000
 Medical Expense – any one person  $ 10,000
 Personal & Advertising Injury Limit  $ 1,000,000
 General Aggregate Limit  $ 2,000,000
 Products/Completed Ops. Aggregate Limit  $ 2,000,000
 Aircraft Liability:
 Piston $ 25,000,000
 Jet $ 50,000,000

The following language should be included in the Description of Operations section of the COI:

The University of Tennessee, its Board of Trustees, officers, employees, agents, and volunteers are named as Additional Insureds with respect to the General and Aircraft Liability policies. A Waiver of Subrogation applies to Workers Compensation, General and Aircraft Liability policies as evidences on this certificate of insurance. All insurance policies above are primary and non-contributory to any other insurance available to the Certificate Holder. A thirty-day notice of cancellation is required.


Ambulance Service:

Workers Compensation (WC): $ 1,000,000
 

Commercial General Liability (CGL):

 

 

 Each Occurrence Limit  $ 1,000,000
 Damage to Rented Premises – Ea. Occ.  $ 300,000
 Medical Expense – any one person  $ 10,000
 Personal & Advertising Injury Limit  $ 1,000,000
 General Aggregate Limit  $ 2,000,000
 Products/Completed Ops. Aggregate Limit  $ 2,000,000
 Automobile Liability:
 Combined Single Limit $ 3,000,000
Umbrella Liability:
Each Occurrence Limit $ 1,000,000
Aggregate Limit $ 1, 000,000
 Professional Liability $ 3,000,000

The following language should be included in the Description of Operations section of the COI:

The University of Tennessee, its Board of Trustees, officers, employees, agents, and volunteers are named as Additional Insureds with respect to the General, Automobile, and Umbrella Liability policies. A Waiver of Subrogation applies to Workers Compensation and the General, Automobile, Umbrella and Professional Liability policies as evidenced on this certificate of insurance. All insurance policies above are primary and non-contributory to any other insurance available to the Certificate Holder. A thirty-day notice of cancellation is required.


Asbestos Abatement:

Workers Compensation (WC): $ 1,000,000
 

Commercial General Liability (CGL):

 

 

 Each Occurrence Limit  $ 1,000,000
 Damage to Rented Premises – Ea. Occ.  $ 300,000
 Medical Expense – any one person  $ 10,000
 Personal & Advertising Injury Limit  $ 1,000,000
 General Aggregate Limit  $ 2,000,000
 Products/Completed Ops. Aggregate Limit  $ 2,000,000
 Automobile Liability:
 Combined Single Limit $ 3,000,000
 Contractor’s Pollution Liability (with 1 year extended reporting period)
 Each Occurence  $ 3,000,000
Umbrella Liability:
Each Occurrence Limit $ 1,000,000
Aggregate Limit $ 1,000,000

The following language should be included in the Description of Operations section of the COI:

The University of Tennessee, its Board of Trustees, officers, employees, agents, and volunteers are named as Additional Insureds with respect to the General, Automobile, Contractor’s Pollution, and Umbrella Liability policies. A Waiver of Subrogation applies to Workers Compensation and the General, Automobile, Contractor’s Pollution, and Umbrella Liability policies as evidenced on this certificate of insurance. All insurance policies above are primary and non-contributory to any other insurance available to the Certificate Holder. A thirty day notice of cancellation is required.

A201 General Conditions Article 11.1.5 – All insurance to be purchased and maintained by the Contractor under this Article 11 shall include (a) a written waiver of any right by the insurer to recovery, by subrogation or otherwise, against the Owner and (b) per project endorsements stating that the aggregate limits apply fully to this project.


Building Remodeling and Construction:

This includes all aspects of building work, including, but not limited to, ducts, electrical, HVAC, painting, plumbing, roofing,etc.

Workers Compensation (WC):
Applicable Federal and State Statutory
 Aggregate  $ 500,000
Commercial General Liability (CGL):  

 

 Each Occurrence Limit  $ 1,000,000
 Damage to Rented Premises – Ea. Occ.  $ 300,000
 Medical Expense – any one person  $ 10,000
 Personal & Advertising Injury Limit  $ 1,000,000
 General Aggregate Limit  $ 2,000,000
 Products/Completed Ops. Aggregate Limit  $ 2,000,000
 Automobile Liability:
 Combined Single Limit $ 1,000,000
BuildersRisk Policy: The amount of the initial Contract Sum plus the value ofsubsequent contract modifications for the covered Project at the site on replacement costbasis.
Umbrella Liability:
Each Occurrence Limit $ 1,000,000
Aggregate Limit $ 1,000,000
Contractor’s Pollution Liability:
Each Occurrence $ 1,000,000
Aggregate  $ 1,000,000

Other specific coverage requirements / levels may exist depending on project size, scope, and type.

The following language should be included in the Description of Operations section of the COI:

The University of Tennessee, its Board of Trustees, officers, employees, agents, and volunteers arenamedasAdditionalInsuredswithrespecttotheGeneral,Automobile,BuildersRisk,Umbrella, and Contractor’s Pollution Liability policies. A Waiver of Subrogation applies to Workers Compensation and the General, Automobile, Builders Risk, Umbrella, and Contractor’s Pollution Liability policies as evidenced on this certificate of insurance. All insurance policies above are primary and non-contributory to any other insurance available to the Certificate Holder. A thirty-day notice of cancellation is required.

A201 General Conditions Article 11.1.5 – All insurance to be purchased and maintained by the Contractor under this Article 11 shall include (a) a written waiver of any right by the insurer to recovery, by subrogation or otherwise, against the Owner and (b) per project endorsements stating that the aggregate limits apply fully to this project.


Bus Charter:

Workers Compensation (WC): $ 1,000,000
 

Commercial General Liability (CGL):

 

 

 Each Occurrence Limit  $ 1,000,000
 Damage to Rented Premises – Ea. Occ.  $ 300,000
 Medical Expense – any one person  $ 10,000
 Personal & Advertising Injury Limit  $ 1,000,000
 General Aggregate Limit  $ 2,000,000
 Products/Completed Ops. Aggregate Limit  $ 2,000,000
 Automobile Liability:
 Combined Single Limit $ 5,000,000
Umbrella Liability:
Each Occurrence Limit $ 5,000,000
Aggregate Limit $ 5,000,000

The following language should be included in the Description of Operations section of the COI:

The University of Tennessee, its Board of Trustees, officers, employees, agents, and volunteers are named as Additional Insureds with respect to the General, Automobile, and Umbrella Liability policies. A Waiver of Subrogation applies to Workers Compensation and the General, Automobile, and Umbrella Liability policies as evidenced on this certificate of insurance. All insurance policies above are primary and non-contributory to any other insurance available to the Certificate Holder. A thirty day notice of cancellation is required.


Consulting Services:

Workers Compensation (WC):
 Each Accident  $ 100,000
 Disease, each employee  $ 100,000
 Disease, policy limit  $ 500,000
 

Commercial General Liability (CGL):

 

 

 Each Occurrence Limit  $ 1,000,000
 Damage to Rented Premises – Ea. Occ.  $ 300,000
 Medical Expense – any one person  $ 10,000
 Personal & Advertising Injury Limit  $ 1,000,000
 General Aggregate Limit  $ 2,000,000
 Products/Completed Ops. Aggregate Limit  $ 2,000,000
 Automobile Liability:
 Combined Single Limit $ 1,000,000
Professional Liability:  $ 1,000,000

The following language should be included in the Description of Operations section of the COI:

The University of Tennessee, its Board of Trustees, officers, employees, agents, and volunteers are named as Additional Insureds with respect to the General and Automobile Liability policies. A Waiver of Subrogation applies to Workers Compensation, General Liability and Automobile Liability policies as evidenced on this certificate of insurance. All insurance policies above are primary and non-contributory to any other insurance available to the Certificate Holder. A thirty day notice of cancellation is required.


Custodial Services:

Workers Compensation (WC):  $ 1,000,000
 

Commercial General Liability (CGL):

 

 

 Each Occurrence Limit  $ 1,000,000
 Damage to Rented Premises – Ea. Occ.  $ 300,000
 Medical Expense – any one person  $ 10,000
 Personal & Advertising Injury Limit  $ 1,000,000
 General Aggregate Limit  $ 2,000,000
 Products/Completed Ops. Aggregate Limit  $ 2,000,000
 Contractor’s Pollution Liability
 Each Occurrence Limit  $ 1,000,000
 Aggregate Limit  $ 2,000,000
 Automobile Liability:
 Combined Single Limit $ 1,000,000
Umbrella Liability
 Each Occurrence Limit  $ 3,000,000
 Aggregate Limit  $ 3,000,000

The following language should be included in the Description of Operations section of the COI:

The University of Tennessee, its Board of Trustees, officers, employees, agents, and volunteers are named as Additional Insureds with respect to the General, Contractor’s Pollution, Automobile and Umbrella Liability policies. A Waiver of Subrogation applies to Workers Compensation and the General, Contractor’s Pollution, Automobile and Umbrella Liability policies as evidenced on this certificate of insurance. All insurance policies above are primary and non-contributory to any other insurance available to the Certificate Holder. A thirty day notice of cancellation is required.

Bonding for all employees in an amount not less than $100,000/occurrence per employee.


Demolition:

Workers Compensation (WC):  $ 1,000,000
 

Commercial General Liability (CGL):

 

 

 Each Occurrence Limit  $ 1,000,000
 Personal & Advertising Injury Limit  $ 1,000,000
 General Aggregate Limit  $ 2,000,000
 Products/Completed Ops. Aggregate Limit  $ 2,000,000
 Medical Expense Limit (any one person)  $ 10,000
 Property Damage to Premises Rented to You Limit  $ 300,000
 Automobile Liability:
 Combined Single Limit $ 1,000,000
Excess/Umbrella Liability
 Each Occurrence Limit  $ 20,000,000
 Aggregate Limit  $ 20,000,000
Note: If the Contractor intends to implode any building(s), the Contractor’s implosion Subcontractor also must provide its own Excess/Umbrella Liability insurance of $20,000,000 Aggregate.
 Job Pollution Liability
  Each Occurrence $ 2,000,000
  Aggregate $ 4,000,000

Note: Products and Completed Operations insurance shall be maintained for a minimum period of at least two (2) years after either 90 days following Substantial Completion or final payment, whichever is earlier.

The following language should be included in the Description of Operations section of the COI:

The University of Tennessee, its Board of Trustees, officers, employees, agents, and volunteers are named as Additional Insureds with respect to the General, Automobile, Excess/Umbrella, and Job Pollution Liability policies. A Waiver of Subrogation applies to Workers Compensation and the General, Automobile, Excess/Umbrella, and Job Pollution Liability policies as evidenced on this certificate of insurance. All insurance policies above are primary and non-contributory to any other insurance available to the Certificate Holder. A thirty day notice of cancellation is required.

A201 General Conditions Article 11.1.5 – All insurance to be purchased and maintained by the Contractor under this Article 11 shall include (a) a written waiver of any right by the insurer to recovery, by subrogation or otherwise, against the Owner and (b) per project endorsements stating that the aggregate limits apply fully to this project.


Designer/Consultant/Architect:

Workers Compensation (WC):
 Each Accident  $ 100,000
 Disease, each employee  $ 100,000
 Disease, policy limit  $ 500,000
 

Commercial General Liability (CGL):

 

 

 Each Occurrence Limit  $ 1,000,000
 Damage to Rented Premises – Ea. Occ.  $ 300,000
 Medical Expense – any one person  $ 10,000
 Personal & Advertising Injury Limit  $ 1,000,000
 General Aggregate Limit  $ 2,000,000
 Products/Completed Ops. Aggregate Limit  $ 2,000,000
 Automobile Liability:
 Combined Single Limit $ 1,000,000
Professional Liability:  $ 1,000,000

*  For projects with a MACC less than $3M the PLI shall be $1M per claim, $1M annual aggregate,forprojectswithaMACCequaltoorgreaterthan$3Mbutlessthan$20M,ThePLI shall be $1M per claim, $2M annual aggregate, for projects with a MACC equal to or greater than $20M but less than $100M, the PLI shall be $2M per claim, $4M annual aggregate, all other projects have a PLI of $3M per claim and $5M annual aggregate.

The following language should be included in the Description of Operations section of the COI:

The University of Tennessee, its Board of Trustees, officers, employees, agents, and volunteers are named as Additional Insureds with respect to the General and Automobile Liability policies. A Waiver of Subrogation applies to Workers Compensation and the General, Automobile and Professional Liability policies as evidenced on this certificate of insurance. All insurance policies above are primary and non-contributory to any other insurance available to the Certificate Holder. A thirty day notice of cancellation is required.


Elevator Maintenance:

Includes all passenger and freight elevators.

Workers Compensation (WC):  $ 1,000,000
 

Commercial General Liability (CGL):

 

 

 Each Occurrence Limit  $ 1,000,000
 Damage to Rented Premises – Ea. Occ.  $ 300,000
 Medical Expense – any one person  $ 10,000
 Personal & Advertising Injury Limit  $ 1,000,000
 General Aggregate Limit  $ 2,000,000
 Products/Completed Ops. Aggregate Limit  $ 2,000,000
 Automobile Liability:
 Combined Single Limit $ 1,000,000
Umbrella Liability
 Each Occurrence Limit  $ 1,000,000
 Aggregate Limit  $ 1,000,000

 

The following language should be included in the Description of Operations section of the COI:

The University of Tennessee, its Board of Trustees, officers, employees, agents, and volunteers are named as Additional Insureds with respect to the General, Automobile, and Umbrella Liability policies. A Waiver of Subrogation applies to Workers Compensation and the General, Automobile, and Umbrella Liability policies as evidenced on this certificate of insurance. All insurance policies above are primary and non-contributory to any other insurance available to the Certificate Holder. A thirty day notice of cancellation is required.

A201 General Conditions Article 11.1.5 – All insurance to be purchased and maintained by the Contractor under this Article 11 shall include (a) a written waiver of any right by the insurer to recovery, by subrogation or otherwise, against the Owner and (b) per project endorsements stating that the aggregate limits apply fully to this project.


Food Service:

Workers Compensation (WC):  $ 1,000,000
 

Commercial General Liability (CGL):

 

 

 Each Occurrence Limit  $ 1,000,000
 Damage to Rented Premises – Ea. Occ.  $ 300,000
 Medical Expense – any one person  $ 10,000
 Personal & Advertising Injury Limit  $ 1,000,000
 General Aggregate Limit  $ 2,000,000
 Products/Completed Ops. Aggregate Limit  $ 2,000,000
 Liquor Liability (When distributing, selling, or serving alcohol)  $ 1,000,000
 Automobile Liability:
 Combined Single Limit $ 1,000,000
Umbrella Liability
 Each Occurrence Limit  $ 1,000,000
 Aggregate Limit  $ 1,000,000

The following language should be included in the Description of Operations section of the COI:

The University of Tennessee, its Board of Trustees, officers, employees, agents, and volunteers are named as Additional Insureds with respect to the General, Automobile, and Umbrella Liability policies. A Waiver of Subrogation applies to Workers Compensation and the General, Automobile, and Umbrella Liability policies as evidenced on this certificate of insurance. All insurance policies above are primary and non-contributory to any other insurance available to the Certificate Holder. A thirty day notice of cancellation is required.


Garbage and Disposal:

Workers Compensation (WC):  $ 1,000,000
 

Commercial General Liability (CGL):

 

 

 Each Occurrence Limit  $ 1,000,000
 Damage to Rented Premises – Ea. Occ.  $ 300,000
 Medical Expense – any one person  $ 10,000
 Personal & Advertising Injury Limit  $ 1,000,000
 General Aggregate Limit  $ 2,000,000
 Products/Completed Ops. Aggregate Limit  $ 2,000,000
 Liquor Liability (When distributing, selling, or serving alcohol)  $ 1,000,000
 Automobile Liability:
 Combined Single Limit $ 1,000,000
Umbrella Liability
 Each Occurrence Limit  $ 1,000,000
 Aggregate Limit  $ 1,000,000
 Contractor’s Pollution Liability (with 1 year extended reporting period)
 Each Occurrence  $ 1,000,000
 Aggregate  $ 2,000,000

The following language should be included in the Description of Operations section of the COI:

The University of Tennessee, its Board of Trustees, officers, employees, agents, and volunteers are named as Additional Insureds with respect to the General, Automobile, Umbrella, and Contractor’s Pollution Liability policies. A Waiver of Subrogation applies to Workers Compensation and the General, Contractor’s Pollution, Automobile and Umbrella Liability policies as evidenced on this certificate of insurance. All insurance policies above are primary and non-contributory to any other insurance available to the Certificate Holder. A thirty day notice of cancellation is required.


Information Technology:

Begin with Standard Insurance Limits. Various types of coverage may come into play based on procurement type, job requirements, and other contract specific details. One should consider Professional Liability insurance which includes Errors and Omissions coverage.

Consult with Information Technology Specialist, your Entity CIO Office, or GTA to assess impact to University IT infrastructure, IT security and/or other areas. Then seek Risk Management expertise as required.


Landscaping / Lawn Care:

Workers Compensation (WC):  $ 1,000,000
 

Commercial General Liability (CGL):

 

 

 Each Occurrence Limit  $ 1,000,000
 Damage to Rented Premises – Ea. Occ.  $ 300,000
 Medical Expense – any one person  $ 10,000
 Personal & Advertising Injury Limit  $ 1,000,000
 General Aggregate Limit  $ 2,000,000
 Products/Completed Ops. Aggregate Limit  $ 2,000,000
 Automobile Liability:
 Combined Single Limit $ 1,000,000
Umbrella Liability
 Each Occurrence Limit  $ 1,000,000
 Aggregate Limit  $ 1,000,000
If herbicide, fungicide, pesticide or other chemical application is involved:
Environmental Impairment Liability (with 1 year extended reporting period)
 Each Occurrence  $ 1,000,000
 Aggregate  $ 2,000,000

The following language should be included in the Description of Operations section of the COI:

The University of Tennessee, its Board of Trustees, officers, employees, agents, and volunteers are named as Additional Insureds with respect to the General, Automobile, Umbrella, and Contractor’s Pollution Liability policies. A Waiver of Subrogation applies to Workers Compensation and the General, Contractor’s Pollution, Automobile and Umbrella Liability policies as evidenced on this certificate of insurance. All insurance policies above are primary and non-contributory to any other insurance available to the Certificate Holder. A thirty day notice of cancellation is required.


Laundry Service:

Workers Compensation (WC):  $ 1,000,000
 

Commercial General Liability (CGL):

 

 

 Each Occurrence Limit  $ 1,000,000
 Damage to Rented Premises – Ea. Occ.  $ 300,000
 Medical Expense – any one person  $ 10,000
 Personal & Advertising Injury Limit  $ 1,000,000
 General Aggregate Limit  $ 2,000,000
 Products/Completed Ops. Aggregate Limit  $ 2,000,000
 Automobile Liability:
 Combined Single Limit $ 1,000,000
Umbrella Liability
 Each Occurrence Limit  $ 1,000,000
 Aggregate Limit  $ 1,000,000

The following language should be included in the Description of Operations section of the COI:

The University of Tennessee, its Board of Trustees, officers, employees, agents, and volunteers are named as Additional Insureds with respect to the General, Automobile, Umbrella, and Contractor’s Pollution Liability policies. A Waiver of Subrogation applies to Workers Compensation and the General, Contractor’s Pollution, Automobile and Umbrella Liability policies as evidenced on this certificate of insurance. All insurance policies above are primary and non-contributory to any other insurance available to the Certificate Holder. A thirty day notice of cancellation is required.


Medical / Therapist Services (including optical and laboratory):

This includes all contracted medical services, including but not limited to, assisted physician services, laboratory equipment maintenance, and patient testing.

Workers Compensation (WC):  $ 1,000,000
 

Commercial General Liability (CGL):

 

 

 Each Occurrence Limit  $ 1,000,000
 Damage to Rented Premises – Ea. Occ.  $ 300,000
 Medical Expense – any one person  $ 10,000
 Personal & Advertising Injury Limit  $ 1,000,000
 General Aggregate Limit  $ 2,000,000
 Products/Completed Ops. Aggregate Limit  $ 2,000,000
 Automobile Liability:
 Combined Single Limit $ 1,000,000
Umbrella Liability
 Each Occurrence Limit  $ 1,000,000
 Aggregate Limit  $ 1,000,000

The following language should be included in the Description of Operations section of the COI:

The University of Tennessee, its Board of Trustees, officers, employees, agents, and volunteers are named as Additional Insureds with respect to the General, Automobile, Umbrella, and Contractor’s Pollution Liability policies. A Waiver of Subrogation applies to Workers Compensation and the General, Contractor’s Pollution, Automobile and Umbrella Liability policies as evidenced on this certificate of insurance. All insurance policies above are primary and non-contributory to any other insurance available to the Certificate Holder. A thirty day notice of cancellation is required.


New Construction:

Workers Compensation (WC):  $ 1,000,000
 

Commercial General Liability (CGL):

 

 

 Each Occurrence Limit  $ 1,000,000
 Damage to Rented Premises – Ea. Occ.  $ 300,000
 Medical Expense – any one person  $ 10,000
 Personal & Advertising Injury Limit  $ 1,000,000
 General Aggregate Limit  $ 2,000,000
 Products/Completed Ops. Aggregate Limit  $ 2,000,000
 Note: Commercial General Liability, including Premises/Operations, Completed Operations/Products, Contractual Liability, and XCU Coverage in no less than the following limits, with coverages for Premises/Operations and Completed Operations naming the Owner as an additional insured, and with coverage for Completed Operations maintained for a minimum of two (2) years after project Completion.
 Automobile Liability: (bodily injury & property damage on all owned, non-owned & hired vehicles):
 Combined Single Limit $ 1,000,000
Excess/Umbrella Liability
 Each Occurrence Limit  $ 5,000,000
 Aggregate Limit  $ 5,000,000
 Aircraft and/or Watercraft Liability (Owned, Non-owned, and Hired; Bodily Injury and Property Damage; if applicable):
 Combined Single Limit  $ 1,000,000
 Builder’s Risk Insurance
Contractor shall purchase and maintain Builder’s Risk Insurance on the entire Work on a completed value basis, covering the full insurable replacement cost of the entire Project, in the following minimum limits and coverage:
  1. Minimum Limits: The amount of the initial Contract Sum plus thevalue of subsequent contract Modifications for the covered Project at the site on replacement cost
  2. Coverage: “All risk” of physical loss. The builder’s risk insurance shall specifically include physical loss or damage to all aspects of the Work, materials, and equipment whether incorporated into the Project, intransit, or stored on or off
  3. Deductible Amounts: The Contractor shall bear the responsibilityfor deductible
 Contractors Job Pollution Liability Coverage:
 Minimum Limits Per Occurrence/Aggregate:   $1,000,000
Note: If asbestos abatement or other hazardous material abatement is included in scope of work then the pollution policy must include coverage for asbestos. If Contractor is performing no portion of the asbestos removal or abatement with its own forces, Contractor, in lieu of its own such endorsement, may substitute a certificate showing such special endorsement covering the Subcontractor or Sub-subcontractor which is actually performing the asbestos removal or abetment.

The following language should be included in the Description of Operations section of the COI:

The University of Tennessee, its Board of Trustees, officers, employees, agents, and volunteers are named as Additional Insureds with respect to Builder’s Risk and the General, Automobile, Excess/Umbrella, Aircraft and/or Watercraft, Contractor’s Job Pollution Liability policies. A Waiver of Subrogation applies to Workers Compensation, Builder’s Risk and the General, Automobile, Excess/Umbrella, Aircraft and/or Watercraft, and Contractor’s Job Pollution Liability policies as evidenced on this certificate of insurance. All insurance policies above are primary and non- contributory to any other insurance available to the Certificate Holder. A thirty day notice of cancellation is required.

A201 General Conditions Article 11.1.5 – All insurance to be purchased and maintained by the Contractor under this Article 11 shall include (a) a written waiver of any right by the insurer to recovery, by subrogation or otherwise, against the Owner and (b) per project endorsements stating that the aggregate limits apply fully to this project.


Pest Control

Workers Compensation (WC):  $ 1,000,000
Commercial General Liability (CGL):
 Each Occurrence Limit  $ 1,000,000
 Damage to Rented Premises – Ea. Occ.  $ 300,000
 Medical Expense – any one person  $ 10,000
 Personal & Advertising Injury Limit  $ 1,000,000
 General Aggregate Limit  $ 2,000,000
 Products/Completed Ops. Aggregate Limit  $ 2,000,000
 Automobile Liability:
 Combined Single Limit $ 1,000,000
Environmental Impairment Liability (with 1 year extended reporting period)
 Each Occurrence Limit $ 1,000,000
 Aggregate $ 2,000,000
Umbrella Liability
 Each Occurrence Limit  $ 1,000,000
 Aggregate Limit  $ 1,000,000

The following language should be included in the Description of Operations section of the COI:

The University of Tennessee, its Board of Trustees, officers, employees, agents, and volunteers are named as Additional Insureds with respect to the General, Automobile, Umbrella, and Environmental Impairment Liability policies. A Waiver of Subrogation applies to Workers Compensation and the General, Automobile, Umbrella, and Environmental Impairment Liability policies as evidenced on this certificate of insurance. All insurance policies above are primary and non-contributory to any other insurance available to the Certificate Holder. A thirty day notice of cancellation is required.


Recreational Services:

This includes a broad range of contracted services, including, but not limited to, golf course management, amusement services, pyrotechnic display, camps and clinics not sponsored by the university.

Workers Compensation (WC):
 Each Accident $ 100,000
 Each Employee $ 100,000
 Each Limit $ 500,000
 

Commercial General Liability (CGL):

 

 

 Each Occurrence Limit  $ 1,000,000
 Damage to Rented Premises – Ea. Occ.  $ 300,000
 Medical Expense – any one person  $ 10,000
 Personal & Advertising Injury Limit  $ 1,000,000
 General Aggregate Limit  $ 2,000,000
 Products/Completed Ops. Aggregate Limit  $ 2,000,000
 Automobile Liability:
 Combined Single Limit $ 1,000,000
Umbrella Liability
Aggregate Limit  $ 2,000,000

The following language should be included in the Description of Operations section of the COI:

The University of Tennessee, its Board of Trustees, officers, employees, agents, and volunteers are named as Additional Insureds with respect to the General, Automobile, Umbrella, and Environmental Impairment Liability policies. A Waiver of Subrogation applies to Workers Compensation and the General, Automobile, Umbrella, and Environmental Impairment Liability policies as evidenced on this certificate of insurance. All insurance policies above are primary and non-contributory to any other insurance available to the Certificate Holder. A thirty day notice of cancellation is required.


Security:

Workers Compensation (WC):  $ 1,000,000
 

Commercial General Liability (CGL):

 

 

 Each Occurrence Limit  $ 1,000,000
 Damage to Rented Premises – Ea. Occ.  $ 300,000
 Medical Expense – any one person  $ 10,000
 Personal & Advertising Injury Limit  $ 1,000,000
 General Aggregate Limit  $ 2,000,000
 Products/Completed Ops. Aggregate Limit  $ 2,000,000
 Automobile Liability:
 Combined Single Limit $ 1,000,000
 Professional Liability Insurance $3,000,000

This amount is a general guideline and can be raised or lowered after consultation with Risk Management.

Umbrella Liability
Each Occurrence Limit  $ 1,000,000
Aggregate Limit  $ 2,000,000

The following language should be included in the Description of Operations section of the COI:

The University of Tennessee, its Board of Trustees, officers, employees, agents, and volunteers are named as Additional Insureds with respect to the General, Automobile, Umbrella, and Environmental Impairment Liability policies. A Waiver of Subrogation applies to Workers Compensation and the General, Automobile, Umbrella, and Environmental Impairment Liability policies as evidenced on this certificate of insurance. All insurance policies above are primary and non-contributory to any other insurance available to the Certificate Holder. A thirty day notice of cancellation is required.


Special Events

Events Not Requiring Insurance: The following non-sports events NOT resulting in fundraising or profit, with less than 100anticipated attendance and WITHOUT street/road closures, alcohol, loaded weapons, pyrotechnics, mechanical or inflatable rides, the use or display of animals do not require insurance:

  • Clubs and organizational meetings
  • Guest speakers, lectures and readingevents
  • Luncheons
  • Meetings of a social, academic, business or philosophicalnature
  • Seminars

 

Low Risk Events: The following events without street/road closures, alcohol, loaded weapons, pyrotechnics, mechanical or inflatable rides, or resulting in fundraising or profit:

  • Academic related events (such asspelling/math/science)
  • Award celebrations
  • Banquets
  • Celebrations (weddings, anniversaries,birthdays)
  • Debuts
  • Fashion Shows
  • Graduations
  • Petting Zoos
  • Pool Parties
  • Proms
  • Recitals
  • Reunions
  • Social Receptions

Required Limits:

Commercial General Liability (CGL):
 Each Occurrence Limit  $ 1,000,000
 Medical Expense – any one person  $ 10,000
General Aggregate Limit  $ 2,000,000

The following language should be included in the Description of Operations section of the COI:

The University of Tennessee, its Board of Trustees, officers, employees, agents, and volunteers are named as Additional Insureds with respect to the General Liability policies. A Waiver of Subrogation applies to the General Liability policies as evidenced on this certificate of insurance. All insurance policies above are primary and non-contributory to any other insurance available to the Certificate Holder. A thirty day notice of cancellation is required.

 

Medium Risk Events: Events without loaded weapons, pyrotechnics, or mechanical rides.

Note: Any serving of alcohol must be with properly licensed and insured bartenders and proof of license and insurance will be required. 

  • Block parties and street fairs
  • Boxing
  • Cheerleading
  • Dances and parties outdoors
  • Events involving closure of roads or streets
  • Events which involve serving or sale of alcohol
  • Exhibitions out doors
  • Football (contact)
  • Golfing events
  • Gymnastics
  • Ice hockey
  • Inflatable Rides
  • In-line hockey
  • Marathons
  • Martial arts (contact)
  • Overnight camping
  • Polo
  • Ropes courses
  • Rugby
  • Skateboarding
  • Skating (open to public)
  • Speed skating
  • Swimming and diving (unorganized or lessons)
  • Triathlons
  • Waterslides
  • Weapons (unloaded) shows
  • Weightlifting
  • Wrestling

Required Limits:

Commercial General Liability (CGL):
 Each Occurrence Limit  $ 1,000,000
 Medical Expense – any one person  $ 10,000
General Aggregate Limit  $ 2,000,000
Liquor Liability  $ 1,000,000

The following language should be included in the Description of Operations section of the COI:

The University of Tennessee, its Board of Trustees, officers, employees, agents, and volunteers are named as Additional Insureds with respect to the General and Liquor Liability policies. A Waiver of Subrogation applies to the General and Liquor Liability policies as evidenced on this certificate of insurance. All insurance policies above are primary and non-contributory to any other insurance available to the Certificate Holder. A thirty day notice of cancellation is required.

High Risk Events:

Note: Any serving of alcohol must be with properly licensed and insured bartenders and proof of license and insurance will be required.

  • Circus
  • Concerts
  • Demolition Events
  • Mechanical Rides (Fair or Circus Type)
  • Motorized Racing
  • Off-Road Racing
  • Pyrotechnics
  • Rodeo Events
Commercial General Liability (CGL):
 Each Occurrence Limit  $ 1,000,000
 Medical Expense – any one person  $ 10,000
General Aggregate Limit  $ 2,000,000
 Automobile Liability:
 Combined Single Limit $ 1,000,000
Excess/Umbrella Liability
 Each Occurrence Limit  $ 20,000,000
 Aggregate Limit  $ 20,000,000
Liquor Liability  $ 1,000,000

Workers Compensation (WC)

 Each Accident $ 100,000
 Disease – Each Employee $ 100,000
 Disease – Policy Limit $ 500,000

The following language should be included in the Description of Operations section of the COI:

The University of Tennessee, its Board of Trustees, officers, employees, agents, and volunteers are named as Additional Insureds with respect to the General, Automobile, Excess/Umbrella, and Liquor Liability policies. A Waiver of Subrogation applies to Workers Compensation and the General, Automobile, Umbrella, and Liquor Liability policies as evidenced on this certificate of insurance. All insurance policies above are primary and non-contributory to any other insurance available to the Certificate Holder. A thirty day notice of cancellation is required.

 

TULIP (Tenant User Liability Insurance Policy) Program

The TULIP is a Tenants’ and Users’ Liability Insurance Policy that provides special event liability coverage. It is used by institutions that permit “third-parties” to use their facilities for specific events. It is designed for third party users who do not carry liability insurance and is offered at a low cost. It is event-specific and can also cover vendors, performers and exhibitors, if needed. It protects both the institution user (the third party) and the University of Tennessee against claims by third parties who may be injured or experience damage to property as a result of participating in an event.

Events may range from low risk events such as classroom seminars, receptions, or weddings to high risk events including festivals and fairs, sports events, or concerts. The policy has exclusions for certain high- risk activities. Facility users may need to obtain coverage from another insurer if their event does not qualify for the TULIP program.

Below are the steps for the third-party/vendor to follow to purchase the TULIP policy:

  1. Go tohttps://tulip.ajgrms.com/
  2. Select the Quick Quote
  3. Pick Tennessee in the drop down menu.
  4. Select the University of Tennessee as the
  5. Answer questions about date, attendees, event types, and coverage
  6. Review Premium Quote and then purchase
  7. Should you have any questions about the Insurance Requirements for events, please contact the Office of Risk Management at 865-974-5409.

The following language should be included in the Description of Operations section of the COI:

The University of Tennessee, its Board of Trustees, officers, employees, agents, and volunteers are named as Additional Insureds with respect to the General Liability policies. A Waiver of Subrogation applies to General Liability policies as evidenced on this certificate of insurance. All insurance policies above are primary and non-contributory to any other insurance available to the Certificate Holder. A thirty day notice of cancellation is required.


Staffing Services:

Workers Compensation (WC): $ 1,000,000
 

Commercial General Liability (CGL):

 

 

 Each Occurrence Limit  $ 1,000,000
 Damage to Rented Premises – Ea. Occ.  $ 300,000
 Medical Expense – any one person  $ 10,000
 Personal & Advertising Injury Limit  $ 1,000,000
 General Aggregate Limit  $ 2,000,000
 Products/Completed Ops. Aggregate Limit  $ 2,000,000
 Automobile Liability:
 Combined Single Limit $ 3,000,000
Umbrella Liability:
Each Occurrence Limit $ 1,000,000
Aggregate Limit $ 1, 000,000

The following language should be included in the Description of Operations section of the COI:

The University of Tennessee, its Board of Trustees, officers, employees, agents, and volunteers are named as Additional Insureds with respect to the General Liability policies. A Waiver of Subrogation applies to General Liability policies as evidenced on this certificate of insurance. All insurance policies above are primary and non-contributory to any other insurance available to the Certificate Holder. A thirty day notice of cancellation is required.


Transportation:

This applies primarily to the transport of people. If air transport see Air Charter. If bus transport see Bus Charter.

Workers Compensation (WC): $ 1,000,000
 

Commercial General Liability (CGL):

 

 

 Each Occurrence Limit  $ 1,000,000
 Damage to Rented Premises – Ea. Occ.  $ 300,000
 Medical Expense – any one person  $ 10,000
 Personal & Advertising Injury Limit  $ 1,000,000
 General Aggregate Limit  $ 2,000,000
 Products/Completed Ops. Aggregate Limit  $ 2,000,000
 Automobile Liability – seating capacity 15 or less:
 Combined Single Limit $ 3,000,000
 Automobile Liability – seating capacity greater then 15 or:
 Combined Single Limit $ 5,000,000
Umbrella Liability:
Each Occurrence Limit $ 1,000,000
Aggregate Limit $ 1,000,000

The following language should be included in the Description of Operations section of the COI:

The University of Tennessee, its Board of Trustees, officers, employees, agents, and volunteers are named as Additional Insureds with respect to the General, Automobile, and Umbrella Liability policies. A Waiver of Subrogation applies to Workers Compensation and the General, Automobile, and Umbrella Liability policies as evidenced on this certificate of insurance. All insurance policies above are primary and non-contributory to any other insurance available to the Certificate Holder. A thirty day notice of cancellation is required.


Travel Services:

Tour Operations and Agencies – This applies to any organization that makes travel arrangements, including travel services, tour operations, etc., on our behalf.

Workers Compensation (WC): $ 1,000,000
 

Commercial General Liability (CGL):

 

 

 Each Occurrence Limit  $ 1,000,000
 Damage to Rented Premises – Ea. Occ.  $ 300,000
 Medical Expense – any one person  $ 10,000
 Personal & Advertising Injury Limit  $ 1,000,000
 General Aggregate Limit  $ 2,000,000
 Products/Completed Ops. Aggregate Limit  $ 2,000,000
 Automobile Liability – seating capacity 15 or less:
 Combined Single Limit $ 1,000,000
Umbrella Liability:
Each Occurrence Limit $ 1,000,000
Aggregate Limit $ 1,000,000
 Professional Liability Insurance – Errors and Omissions $ 1,000,000**
 (** not required, but may be a consideration if bids are comparable and a bidder has the coverage.)

The following language should be included in the Description of Operations section of the COI:

The University of Tennessee, its Board of Trustees, officers, employees, agents, and volunteers are named as Additional Insureds with respect to the General, Automobile, and Umbrella Liability policies. A Waiver of Subrogation applies to Workers Compensation and the General, Automobile, and Umbrella Liability policies as evidenced on this certificate of insurance. All insurance policies above are primary and non-contributory to any other insurance available to the Certificate Holder. A thirty day notice of cancellation is required.