URI Standard Insurance Requirements

Vendors and contractors doing business with the University of Rhode Island (URI) or organizations using URI property or facilities must maintain certain insurance coverage to protect their interests from allegations of bodily injury or property damage liability caused by their own negligence and must provide evidence that such coverage is in place before URI engages in their services or permits them to use University property or facilities. A Certificate of Insurance will be requested from such organizations.

A Certificate of Insurance (COI) is a document that gives evidence of the Insured’s (organization/entity) financial ability to respond to a claim. The COI merely confirms that the subject company carries insurance. The COI does not tell the reader what exclusion or limitation may be found in the contractor’s insurance policy, BUT it is crucial to the transaction of business and are used in a multitude of situation. AGAIN, it is important to note that the COI is only evidence of insurance coverage in effect at the time of issuance of the certificate it is not an insurance policy, nor does it convey any rights to the certificate holder. It is not full proof and is provided as information only. The actual Insurance policy which financially supports the contract or purchase order does not automatically become effective upon execution of the contract. The insurance coverage applies only when the other party’s insurance company issues the required endorsement to their existing policies to conform to URI requirements. It is important to have proof that the other party’s insurance is in effect before work/service or contract begins. As proof of coverage most insurance agents and brokers will provide a certificate of insurance. The certificate of Insurance must list University of Rhode Island Board of Trustees, the State of Rhode Island and University of Rhode Island its subsidiaries, affiliates, officers, directors, agents and employees and any additional entities required by URI’s contractual agreements as additional insureds on a primary non-contributory basis. 

Responsibility for COI 
The Department managing the contract or requesting services is responsible for maintaining the certificates of insurance. Therefore, it is important that the contractor/vendor is provided the name and contact information of the individual responsible for the contract maintenance so the Certificate can be sent directly to the appropriate person. The Certificates of Insurance should be kept in the department’s file for a minimum of 3 years. It is important to check the expiration dates of the insurance policies to be sure Certificates of Insurance are maintained throughout the life of the contract.

University of Rhode Island Insurance Requirements

General Liability

  • Coverage shall be written on an Occurrence form in accordance with your services performed and shall include, but not be limited  Premises/Operations, Products/Completed Operations, Personal & Advertising Injury, Medical Payments, Blanket Contractual Liability. Also, there will be no endorsement removing the contractor exception from the “your work” exclusion. Completed Operations coverage shall be maintained after completion of the job with limits indicated below for 3 years following completion of the project.

Limits:

  • $1,000,000 Each Occurrence
  • $2,000,000 Aggregate (Aggregate Limits on a per project basis)

Waiver of Subrogation: Waiver of Subrogation shall apply in favor of University of Rhode Island Board of Trustees, the State of Rhode Island and University of Rhode Island its subsidiaries, affiliates, officers, directors, agents and employees and any additional entities required by URI’s contractual agreements.

Additional Insured: University of Rhode Island Board of Trustees, the State of Rhode Island and University of Rhode Island its subsidiaries, affiliates, officers, directors, agents and employees and any additional entities required by URI’s contractual agreements must be listed as additional insured and this coverage is primary and noncontributing with any other insurance available to the additional insured. The additional insured endorsement will be on an ISO CG 2010 07/04 and CG 2037 07/04 or equivalent. (Copy of the additional insured endorsement will be attached to the Certificate of Insurance). The General Liability shall include Premises Operations and Completed Operations.

Workers Compensation:

  • Statutory coverages in accordance with your services in which the work is being performed (Both your employees and any leased employees). Including all State and Federal requirements. USL&H endorsement to be included where applicable. Certificate of Insurance must identify that coverage applies in the State in which the Project is located.

Employers Liability Limits:

  • $1,000,000 Each Accident
  • $1,000,000 Disease-Policy Limit
  • $1,000,000 Disease-Each Employee

Waiver of Subrogation shall apply in favor of University of Rhode Island Board of Trustees, the State of Rhode Island and University of Rhode Island its subsidiaries, affiliates, officers, directors, agents and employees and any additional entities required by URI’s contractual agreements.

Automobile:

  • Owned, Non-Owned and Hired Automobile coverages to be included.
  • Limits: $1,000,000 Combined Single Limit

Waiver of Subrogation shall apply in favor of University of Rhode Island Board of Trustees, the State of Rhode Island and University of Rhode Island its subsidiaries, affiliates, officers, directors, agents and employees and any additional entities required by URI’s contractual agreements.is listed as additional insured and this coverage is primary and noncontributing with any other insurance available to the additional insured/s.

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The above listed coverages must be provided on policies and on an ACORD certificate which will reflect the following provisions:

  1. The insurance companies are financially rated A-VI or better by A.M. Best and licensed to do business in the state of operations performed.
  2. Insurance carrier must be licensed to do business in the State of RI.
  3. The insured’s carrier will  be  provided  at  least  30  days’  written  notice  of  any cancellation or significant changes to policies noted on the certificate of insurance to the University  of  Rhode  Island’s  Risk  Manager .
  4. Deductibles and/or self-insured retentions as respects any loss or damage caused in whole or in part by the insured’s acts or omissions and/or acts or omissions of those acting on behalf of the insured must be noted on the Certificate of Insurance. Insured is responsible for any deductibles and/or self-insured retentions as respects any loss or damage caused in whole or in part by the insured’s acts or omissions and/or acts or omissions of those acting on behalf of the insured.
  5. Waiver of Subrogation shall apply to all policies in favor of University of Rhode Island Board of Trustees, the State of Rhode Island and University of Rhode Island its subsidiaries, affiliates, officers, directors, agents and employees and any additional entities required by URI’s contractual agreements.
  6. The Liability policies shall be primary and non-contributory for Additional Insureds. The General Liability additional insured endorsement shall include Premises Operations and Completed Operations.
  7. The additional insured endorsement will be on an ISO CG 2010 07/04 and CG 2037 07/04 or equivalent. (Copy of the additional insured endorsement will be attached to the Certificate of Insurance).

   ***ADDITIONAL REQUIREMENTS FOR FOOD VENDORS & CATERERS ***

In addition to the above Standard Requirements, copies of the following documentation are to be provided to URI’s Risk Manager.

  • Current license and food handling certification from the RI Department of Health
  • Waiver from URI Dining Services