Insurance Requirements for:

  • Vendors Providing On-Site Services
  • Outside Groups Using Campus Facilities

Certain insurance requirements are mandated by the San Luis Obispo County Community College District for outside vendors providing contracted services or groups using campus facilities for any purpose.  Examples of such events include, but are not limited to:

  • Dance Groups  
  • Training/Workshops/Seminars                      
  • Visual/Performing Arts/Music Events                               
  • Meeting Space                    
  • Maintenance/Repair Services                     
  • Consulting                      
  • Product Delivery/Assembly

Insurance Company: All vendor insurance policies shall be written at the vendor’s expense and through insurance companies that are either admitted in the State of California or on the California Department of Insurance approved list of non-admitted insurers.  All insurance companies shall have and maintain a minimum A.M. Best rating of at least A VII.

Minimum Insurance Coverage: The vendor shall provide a certificate of insurance and required endorsements at least 15 days prior to date of event or commencement of work.  The policy shall not be amended, modified or the coverage amounts reduced without the District’s prior written consent.  The District shall be furnished thirty (30) days written notice prior to cancellation of the insurance.  

Insurance Coverage Term: All insurance required herein shall be maintained in full force and effect until all work required to be performed under the terms of the agreement is satisfactorily completed and formally accepted; failure to do so may, at the sole direction of the college, constitute a material breach of the agreement.

Additional Insured Endorsement:  All insurance policies shall include additional insured endorsements naming the San Luis Obispo County Community College District, its trustees, officers, employees, volunteers, agents, inspectors, project managers, consultants, and their employees and each of them, as additional insured. The address to which the endorsement shall be sent is: San Luis Obispo County Community College District, Office of Administrative Services, P.O. Box 8106, San Luis Obispo, California   93403-8106.

The following are the insurance minimums required by the District.  Particular occurrences may require additional insurance coverage:

Types of Contract Service

The following list is not an all-inclusive list of contract services.  The District reserves the right to specify alternative insurance requirements in contract language on a case-by-case basis.

Specialized Service and General Contractors

  • Food Services and Catering
  • Hazardous Waste Services
  • Medical Services (including laboratory)
  • Professional Services (accountants, architects, attorneys, engineers, financial services, insurance, surveyors, technology/cyber/software as service)
  • Special events, community services, or transportation services
    Other as determined
  • Insurance Coverage and Limits
    Contracts listed above normally require:
  • Commercial General Liability
  • Business Automobile Liability
  • Workers’ Compensation

Professional services1 contracts normally require:

  • Commercial General Liability
  • Business Automobile Liability
  • Professional Liability
  • Workers’ Compensation

1Architects, engineers, and doctors must provide license required by governmental agency.

Minimum Coverage Limits 

TYPE OF COVERAGE BASIS AMOUNT

Commercial/Comprehensive General Liability (CGL)
(Additional Insured)3
Endorsements Required:

Additional Insured:

  • Waiver of Subrogation
  • Primary/Noncontributory 

The following shall not be excluded:

  • Amendment of Contractual Liability
  • Total Pollution Exclusion
  • Cross Suits Liability Exclusion
  • Abuse or Molestation Exclusion
 Occurrence
Aggregate
 		 $1 Million
$3 Million
 

Automobile Liability (AL) (Additional Insured)
Endorsements Required:

  • Additional Insured
  • Waiver of Subrogation
  • Primary/Noncontributory
 Occurrence $1 Million

Workers’ Compensation (WC) Employers’ Liability (EL)4
Endorsements Required:

  • Waiver of Subrogation

Statutory
Occurrence
Per/Employee
Policy Limit

Statutory Limit
$1 Million/
$1 Million/
$1 Million
Professional Liability (PL) Errors and Omissions (E&O) Occurrence
Aggregate		 $2 Million
$2 Million
Technology E&O, PL (IT Consultant)2 Occurrence
Aggregate		 $2 Million
$2 Million
Cyber Liability (Vendor)2 Occurrence
Aggregate		 $1 Million
$2 Million
And, if applicable (in addition to the required coverages listed above), vendor shall procure and maintain the following policies:    
Property (Installation Floater) Install/Delivered Contract Value

Additional Insured or Loss Payee

Full Replacement – no coinsurance
Pollution/Environmental

Occurrence
Aggregate

$5 Million
$5 Million
Professional Errors and Omissions (including Environmental Impairment Liability) Occurrence
Aggregate		 $1 Million
$2 Million
Excess/Umbrella Liability (recommended) Occurrence $5 Million

2Coverage is required if (1) products or services related to information technology for hardware or software are provided to the District and (2) if vendor has access to personally identifiable information of District students and/or employees through the provision of such technology-related products or services.    Cyber liability insurance will be required if the vendor is providing technology-based services such as portals, that allow access to obtain, use or store data, cloud hosting services, software or hardware, programming or other IT services and products.  

3In the event the vendor will be working directly with students, sexual misconduct must be included in the general liability coverage of $1 million per occurrence either by endorsement to user’s Commercial General Liability coverage or as a separate policy.  Additional insured endorsement is also required.

4If the vendor does not have employees, then they are exempt from this coverage.  However, vendor must attach a letter stating that they are either the owner or a partner and are exempt from having to provide workers’ compensation because they have no employees.