Coppin State University Standard Insurance Requirements

When vendors/contractors perform services for the University on campus, they are to provide and maintain liability insurance naming both the Contractor and Coppin State University as joint insured with a combined single limit of at least $1,000,000 for personal injury and property damage. The insurance will provide protection for the university in the event of an accident occurring while the contractor is performing work on campus.

All policies for liability protection, bodily injury or property damage must specifically name or its face, the State of Maryland, the University System of Maryland, and Coppin State University as an additionally named insured as respects to operations under the contract and premises occupied by the Contractor provided.

The Contractor shall defend, indemnify and save harmless the State of Maryland, the University System of Maryland, the Coppin State University and each of their officers, employees and agents, from any and all claims, liability, losses and causes of actions which may arise out of the performance by the Contractor, employees or agents, of the work covered by this Contract.

All required insurance coverages must be acquired from insurers allowed to do business in the State of Maryland and acceptable to the University. The insurers must have a policyholders’ rating of “A-” or better, and a financial size of “Class VII” or better in the latest edition of Best’s Insurance Reports.

Additional Coverage

• Worker’s Compensation as required by state statute.
• If automotive equipment is used in the operation, automobile bodily injury liability insurance with limits of not less than $500,000 for each person and $1,000,000 for each accident, and property damage liability insurance, with a limit of not less than $1,000,000 for each accident.
• If food is involved, provide food products liability insurance, if not included in the Comprehensive, with limits of not less than $500,000 for each person and $1,000,000 for each accident.

Tips

• For General Liability, please mark the box under “GEN’L AGGREGATE LIMIT APPLIES PER:” to be per Project rather than per Policy
• Please mark the “ADDL INSD” box for Commercial General Liability, and any other coverage required above (except Worker’s Comp or Professional Liability)
• For Worker’s Compensation, please complete the exclusions box, and provide an explanation under “Description of Operations” if marked Y.
• To be noted in “Descriptions of Operations” box:
  • Please ensure there is additional insured language which provides coverage of the following entities: Coppin State University (CSU), University System of Maryland (USM) and the State of Maryland (including their elected or appointed officials, agents and employees)
  • Each insurance policy shall contain the following endorsements: “It is understood and agreed that the Insurance Company shall notify in writing Procurement Officer thirty (30) days in advance of the effective date of any reduction in or cancellation of this policy.”