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Insurance requirements for consultants and non-consultants initiated

Ohio University has recently initiated insurance requirements for non-consultants and consultants as they relate to non-construction projects.

"Ohio University requires that all consultants and non-consultants who operate on any of our campuses and centers have all of the necessary insurance during the entirety of their contract's duration," explained Risk Manager George Wendt.

Both consultants and non-consultants must meet the minimum insurance requirements. These requirements are:

  • Worker's Compensation insurance to the full extent as required by applicable law and Employer's Liability insurance with limits of not less than $1,000,000;

  • Commercial General Liability coverage for bodily injury and property damage, including products and completed operations and contractual liability coverage, in amounts not less than $1,000,000 per occurrence and $2,000,000 in the aggregate;

  • Commercial Automobile Liability coverage, including non-owned and hired, in an amount not less than $1,000,000.

"The difference in insurance requirements for consultants and those requirements for non-consultants is that consultants are expected to maintain an additional coverage, professional liability insurance," said Wendt.

The insurance requirements are reviewed annually.

Full versions of the insurance requirements, including information on liability insurance requirements for non-consultants, non-construction can be found here (PDF) and regarding consultants, non-construction here (PDF).

"These insurance requirements help Ohio University manage risk and ensure that the University is using responsible vendors," said Wendt.

If your college or department has a question about insurance requirements, they can contact George Wendt with Risk Management and Safety at (740) 597-1298.