Insurance Requirements for Outside Contractors

Insurance Requirements for Outside Contractors

In conjunction with all the services performed under this agreement:

A. Contractor shall maintain Comprehensive General Liability insurance in not less than $1,000,000 per occurrence/ $2,000,000 aggregate. The policy shall name Deschutes County, its officers, agents and employees as an additional Insured.
(Comprehensive General Liability is required for all contractors.)

B. Contractor shall maintain Professional Liability Insurance with minimum limits of $1,000,000 per occurrence/ $2,000,000 aggregate. The insurance policy shall name the Contractor and each of the Contractor's representatives who provide professional services under this agreement. If the policy is written on a "Claims Made" basis, the contractor shall maintain Professional Liability insurance coverage two years following the termination of the contract.
(Anyone who gives advice for which others have reason to rely, or requires licensing or certification through the State of Oregon is required to carry Professional Liability. Example occupations include: attorneys, accountants, insurance agents, doctors, engineers, architects, hospitals, blood banks, counselors, psychologists, nurses, psychiatrists.)

C. Contractor shall maintain automobile liability insurance of not less than the following limits:
$500,000, combined single limit, or; Split limits of $250,000 per person, $500,000 per occurrence and $100,000 property damage. Insurance shall provide coverage for any motor vehicle driven during the course of providing services under this agreement.
(Any contractor using an automobile to perform the duties of the contract, or a contractor driving on any County property, (e.g.- parking lots) must carry Automobile insurance.)

D. All insurance policies shall be written on an occurrence basis and be in effect for the term of this agreement. Authorization from Deschutes County is required for any policy written on a Claims Made basis.
(Professional Liability policies are commonly written on a "Claims Made" basis requiring tail-end coverage. Requiring a contractor to maintain insurance two years following the termination of the contract serves as the tail-end coverage.)

E. Proof of Workers' Compensation from the contractor and all sub-contractors required prior to the commencement of labor.
(Current Workers' Compensation regulations requires the person awarding the contract to provide Workers' Compensation coverage for all workers under the agreement. Consequently, the County requires written verification of Workers' Compensation from all contractors and sub-contractors.)

E. Prior to executing of the agreement, the Contractor shall provide County Certificates of Insurance, or copies of Insurance policies and declarations as evidence of meeting insurance required under this paragraph.
(Prior to initiating the agreement, we must have verification that the required insurance coverage has been obtained in the limits stated.)

F. Contractor shall immediately notify County if any insurance coverage required by this agreement will be canceled, not renewed, or modified in any way.

G. Deschutes County reserves the right to require complete, certified copies of all required insurance policies, at any time.

H. Insurance companies shall be those companies authorized to do business in Oregon and acceptable by Deschutes County.