Certificate of Insurance Requirements
Insurance Specifications for Common Situations
SDSU Research Foundation is involved in numerous activities and business ventures with various contractors, subcontractors and business entities. Therefore, it is necessary to insure that SDSU Research Foundation is adequately protected against losses or claims arising out of the activities of contractors, subcontractors and business entities. Therefore, if SDSU Research Foundation determines that an activity warrants additional protection against certain risks, it may be requested that the organization it is conducting business with provide a certificate of insurance. This certificate should have an attached “additional insured endorsement” stipulating that San Diego State University Research Foundation is an additional insured under the contractors, subcontractors or vendor’s insurance policy. SDSU Research Foundation has elected to utilize the California State University Risk Management Authority (CSURMA) Insurance Requirements in Contracts – A Procedure Manual. The certificate is to be sent to the purchasing department.
Insurance Requirements in Contracts - A Procedure Manual (PDF Format, 10MB)*
- See Exhibit 1 - For Insurance Requirements for Most Contracts (not for professional services or construction risks) (PDF Format, 35KB)*
- See Exhibit 2 - For Insurance Requirements for Professional Services (PDF Format, 34KB)*
- See Exhibit 3 - For Insurance Requirements for Lessees (Not for Daily or Short Term Rentals) (PDF Format, 32KB)*
- See Exhibit 4 - For Insurance Requirements for Vendors (PDF Format, 9.75MB)*
- See Exhibit 5- For Insurance Requirements for Construction Contracts (PDF Format, 39KB)*
- See Exhibit 6 - For Insurance Requirements for Environmental Contractors and/or Consultants (PDF Format, 36KB)*
- See Exhibit 7 - For Insurance Requirements for IT Professional Services (PDF Format, 35KB)*
- See Exhibit 8 - For Insurance Requirements for IT Vendor Services (PDF Format, 35KB)*
- See Exhibit 9 - For Insurance Requirements for Airport, Airport Operations and FBOs (PDF Format, 41KB)*
- See Exhibit 10 - For Insurance Requirements for the Use of UAVs (PDF Format, 31KB)*
- See Exhibit 11 - For Insurance Requirements for Chartering of Aircraft (PDF Format,30KMB)*
- See Exhibit 12 - For Insurance Requirements for Rental of Facilities (PDF Format, 30KB)*
- See Exhibit 13 - For Insurance Requirements for Instructors (PDF Format, 31KB)*
The following are some guidelines for determining which set of specifications to use or if special language is needed
| Type of Activity | Specifications and Limits |
|---|---|
| Maintenance and services contracts, including most routine maintenance, janitorial service, movers, on-site equipment maintenance agreements, tow service, tree maintenance, fireworks exhits, and other general services. | Use Exhibit 1, with a minimum limit of $2 million. If $1 million is used, request at least a $2 million aggregate limit. Remember to base the required limits on the amount of damage that may occur, not on the contract price. |
| Construction projects | Use Exhibit 5. Construction projects will usually require course of construction (builder's risk) property insurance. Major construction projects, especially those which involve many subcontractors, may call for special insurance requirements. See Chapter Three for a more complete discussion. |
| Professional services, including architects, engineers, consultants, counselors, medical professionals, hospitals, clinics, attorneys and accountants. | Use Exhibit 2. Your Campus should require proof of professional liability insurance. |
| Environmental risks, including asbestos, hazardous chemicals or waste, and nuclear risks. [Reminder: Your Campus is unlikely to have pollution coverage, including asbestos, through its primary liability insurance or risk pool. If you don't transfer the risk, your Campus could be totally responsible for a loss.] |
Use Exhibit 6. However, coverage specifications and limits should be developed to fit the circumstances of the situation. Generally, limits should be no less than $2 million. Special insurance is available for hazardous activities, including nuclear risks, asbestos removal/containment or waste handling. |
| Aircraft, water craft and airports operated under contract, including charter of aircraft or watercraft by your Campus or by another party in performance of work for your Campus. [Reminder: Your campus's primary liability insurance or risk pool program probably does not cover aircraft or airports. If you don't transfer the risk, your Campus could be totally responsible for a loss.] | Exhibit 1 may be appropriate if additional specialized liability insurance requirements are added. For aviation exposures, limits should be $100 million or more. If the tenant is a marina operator or boat or airplane repairer, liability is required. Limits should be large enough to cover the value of the most expensive object in the tenant's custody and 3 or 4 surrounding objects. |
| Leases for tenants and concessionaires including food and beverage concessions, gift shops, office space tenants, child care centers, senior centers, and other space rental to lesses who have full-time or part-time employees. | Exhibit 3 can be used if no autos are used or commercially parked on the premises. If autos are used or parked, Exhibit 1 should be used. If the tenant's activities include valet parking, with or without a fee, or servicing of automobiles, Exhibit 1 may need to be supplemented by additional coverage called garagekeeper's legal liability. The required limit for this coverage should be equal to the value of the maximum number of automobilies that may be in the tenant's custody. |
| Vendors, including vendors who supply equipment or other products to your Entity and who do not perform other functions, such as installation or maintenance. | Exhibit 4 can be used. |
| Space rental, including short-term space rental for special occasions to groups who have no employees, such as club functions, weddings, dances, picnics or social dinners, crafts exhibitions or classes, animal shows and recreational activities, including baseball and football. | Exhibit 12 may be used. [Reminder: A special events policy is available to public entities. Contact your risk management department for details.] |
| Transportation of Hazardous Materials | Use Exhibit 6. |
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