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INSURANCE CERTIFICATES AND REQUIREMENTS

Risk Management and Safety administers three self-insured funds including General Liability, Auto Physical Damage and On-the-Job Injury. The retention for each program is $1,000,000. In addition to administering the various self -insured type programs, Risk Management and Safety negotiates an estimated 71 insurance policies through the commercial marketplace each year. If you have any special insurance needs, please contact us and we will be happy to assist in finding a solution.

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INSURANCE GUIDELINES

GENERAL VENDORSGREEK LIFE ORGSTECH PRODUCTS AND SERVICES

INSURANCE REQUESTS AND COVERAGES

Property Insurance

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State Coverage for Building & Building Contents $50,000 and Up

Moveable Equipment

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Coverage for Moveable High Value Equipment

Insurance Certificates

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Request for for General Liability, OJI, Professional Liability and More

Drone Insurance

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Coverage for Unmanned Aerial Systems (UAS)

Vehicle Insurance

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Coverage for Auburn University Vehicles

ADDITIONAL INSURANCE AND COVERAGES

Veterinarian Professional Liability

Coverage from HUB International

Event Liability Coverage

Tenants and User Liability Insurance

Vendor Insurance Information

Waffles with Woodard

With limited exception, Vendors required providing work, goods, or using University facilities must first provide a Certificates of Insurance to the department initiating the agreement and kept on file for two years.

“High risk” vendor certificates should be sent to Risk Management for review at aurmi@auburn.edu along with a description of the activity and applicable contact information.

Examples of when certificates of insurance are required:
  • Exhibitors
  • Contractors
  • Promotional Vendors
  • Business vendors including those performing a service
  • Third parties using or renting campus facilities
  • Non-profits hosting events on campus
  • Anyone hosting a large-scale event on campus
  • Caterers or other food vendors.  
For Caterers, please see the Registration and Licensing Procedures for Caterers/Bartending Services.
Commercial General Liability “CGL”
  • $1,000,000 Each Occurrence
  • $2,000,000 Aggregate
  • $2,000,000 Products & Completed Operations Aggregate
  • $1,000,000 Personal & Advertising Injury
  • $100,000 Fire Damage (Any One Fire)
  • $5,000 Medical Expense (Any One Person)
Commercial Auto Liability
  • $1,000,000 Combined Single Limit
Workers’ Compensation
  • Statutory Limits Plus $1,000,000 Minimum Employers Liability Limits
Professional Liability / Errors and Omissions
(includes Privacy Liability and Technology E&O)

 

Contracts for Service at or under $500,000
  •  $1,000,000 Each Occurrence
  •  $1,000,000 Aggregate
Contracts for Service Over $500,000
  •  $3,000,000 Each Occurrence
  •  $3,000,000 Aggregate
Crime Coverage
  • $1,000,000 per loss
Additional Recommendations
  1. Subcontractors If a contractor or vendor elects to engage the services of a subcontractor or any other outside parties, it is the obligation of the primary or general contractor/vendor to confirm every subcontractor or outside party meets the insurance requirements outlined above or the primary or general contractor/vendor shall assume all risks. 
  2. The Contractor’s insurance coverage shall be primary insurance and non-contributory with respect
    to all other available sources.
  3. Auburn University, its Board of Trustees, Trustees Individually, Faculty, Staff, Administrators and Agents shall be named additional insured by endorsement with respect to liability arising out of the activities performed by, or on behalf of, the Contractor.
  4. On insurance policies where the Auburn University is named as an additional insured, the university shall be an additional insured to the full limits of liability purchased by the Contractor, even if those limits of liability are in excess of those required by this contract.
  5. Contractor shall furnish the university with certificates of insurance (ACORD form or equivalent) 
    before work commences.

Insurance Requirements for Auburn University Greek Life Organizations

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Greek Life Insurance Requirements

Greek Life organizations (fraternities and sororities) recognized by Auburn University Student Affairs and Greek Life shall maintain, for the entire time of their Auburn University recognition, insurance meeting the following minimum requirements. The Auburn University Student Organization Policy defines fraternities and sororities as social, Greek-lettered (in most cases) organizations affiliated with an inter/national organization. Fraternities and sororities must be recognized by one of the three Auburn Greek governing councils (Panhellenic Council, Interfraternity Council, and National Pan-Hellenic Council).

These coverages and limits are to be considered minimum requirements and are not intended to  limit the liability of the Greek Life organizations. All Greek Life organizations, its members, alumni, advisors, and agents are responsible for their own actions and activities and assume full responsibility to review their policies on a regular basis to determine whether additional coverage should be considered.

The requirements of insurance do not constitute an acceptance of any responsibility for or duty to regulate the conduct or activities of the organization, its members, alumni, advisors, or agents by Auburn University and are subject to change.

Should coverage for any of the below-described policies be canceled, non-renewed, changed, or allowed to lapse for any reason before the expiration date thereof, the Greek Life organization shall deliver written notice to Student Affairs and Greek Life and Risk Management and Safety within three (3) days after any notice from the insurer. 

A Certificate of Insurance providing evidence of General Liability insurance, including all limits, terms, and conditions listed below, and an endorsement granting Additional Insured status to Auburn University as listed below, shall be presented to Student Affairs and Greek Life and Risk Management & Safety annually, and within seven (7) days of the policy expiration date.

Certificates of Insurance shall disclose ALL coverage sub-limits and self-insured retentions/deductibles; Auburn University reserves the right to approve coverage sub-limits and retentions/deductibles.

  • $1,000,000 Each Occurrence
  • $2,000,000 Aggregate
  • $2,000,000 Products & Completed Operations Aggregate
  • $1,000,000 Personal & Advertising Injury
  • $100,000 Damage to Rented Premises
  • Include coverage for host liquor liability;
  • Include coverage for contractual liability;
  • Shall not exclude coverage to non-participants for allegations of:
    • Sexual abuse/molestation
    • Hazing
    • Behavior/actions that violate chapter policy (e.g., drug & alcohol policy)
    • Assault, battery & physical altercation
  • Include coverage for the University’s failure to provide guidance or supervision, unless due to the University’s negligence.
  • Name the following as additional insured by endorsement: Auburn University, its Board of Trustees, Trustees Individually, Employees and Agents;
  • Provide full policy limits for Auburn University, its Board of Trustees, Trustees Individually, Employees and Agents; coverage sub-limits for Additional Insureds are prohibited;
  • Coverage must be primary to any insurance or self-insurance for the vicarious liability of Auburn University;
  • Policy must include a waiver of subrogation in favor of Auburn University;
  • Insurance carrier must be licensed or authorized to do business in Alabama with a minimum A.M. Best rating of A-VII.

Evidence of Property Insurance, confirming compliance with the following requirements shall be provided to Student Affairs and Greek Life and Risk Management & Safety annually, and within seven (7) days of policy expiration date.

Evidence of Property Insurance shall disclose ALL coverage sub-limits and self-insured retentions/deductibles; Auburn University reserves the right to approve coverage sub-limits and retentions/deductibles.

Limits must be a minimum of 100% of the replacement cost value of all buildings(s), improvements, and other structures (gazebos, event spaces, etc.).

  • All Risk/Special Form basis and provide coverage for all buildings, improvements, and other structures on Auburn University property;
  • Auburn University shall be listed as Loss Payee;
  • Include a waiver of subrogation in favor of Auburn University;
  • Insurance carrier must be licensed or authorized to do business in Alabama with a minimum A.M. Best rating of A-VII;
  • Boiler & Machinery/Equipment Breakdown insurance to cover all buildings, improvements, and fixtures on Auburn University property.

Flood insurance equal to at least 100% of the replacement cost value of all buildings(s), improvements, and structures is required for any building located in a High Hazard Flood Zone.

FEMA Flood Maps will be the approved source of determining High Hazard Flood Zones.

During any periods of construction, including improvements, additions, or renovations, the fraternal organization or the fraternal organization’s contractor shall also obtain Builders’ Risk Insurance meeting the following minimum requirements:

All Risk/Special Form basis with replacement cost coverage, written on a completed value basis in an amount not less than the total value of the fraternal organization’s Improvements, Betterments, and/or Additions.  Auburn University shall be listed as a Loss Payee on the Builders’ Risk policy.

Greek Life organizations renting chapter rooms from Auburn University for Sorority or Chapter gathering space are encouraged to maintain property insurance for Chapter-owned contents (e.g., furniture, electronics) and improvements and betterments e.g., (floor and wall coverings installed by the Chapter).  Auburn University provides no insurance coverage for, and is not responsible for, damage or loss to property belonging to the lessee.

Additional insurance may be required for activities, events or projects that may generate a liability exposure with the potential for claims of higher severity and/or frequency. It is also possible that other insurance programs in addition to the General Liability and Property insurance requirements outlined above may be required. Some of the possible circumstances where the insurance requirements may be altered include, but are not limited to:

  • Chapter house construction projects;
  • Social events with an estimated attendance greater than 500;
  • Events, activities, and projects involving three or more fraternal/fraternal organizations;
  • Events openly promoted to the non-fraternal public;
  • Events, activities and projects with inherently dangerous equipment or activities.

In addition to insurance requirements for special circumstances, the university may require organizations to develop and implement certain risk management programs to control hazards and reduce the potential of injury or damage.

Insurance Guidelines for Technology Products & Services

Contracts for information technology (IT) products and services, such as system integration, programming and data management create specialized exposures from loss or loss of use of the university’s tangible and intangible property including software, data and other electronically stored information.

Risk Management & Safety recommends the following minimum insurance requirements be included in any agreement as a contractual obligation which the vendor must be in compliance with before commencing work, providing goods:

Commercial General Liability “CGL”
  • $1,000,000 Each Occurrence
  • $2,000,000 Aggregate
  • $2,000,000 Products & Completed Operations Aggregate
  • $1,000,000 Personal & Advertising Injury
  • $100,000 Fire Damage (Any One Fire)
  • $5,000 Medical Expense (Any One Person)
Commercial Auto Liability (if driving on University-owned property or driving University personnel – may be waved if contract does not involve motor vehicles)
  • $1,000,000 Combined Single Limit
Workers’ Compensation
  • Statutory Limits Plus $1,000,000 Minimum Employers Liability Limits
Professional Liability / Errors and Omissions
(includes Privacy Liability and Technology E&O)

 

Contracts for Service at or under $500,000
  •  $1,000,000 Each Occurrence
  •  $1,000,000 Aggregate
Contracts for Service Over $500,000
  •  $3,000,000 Each Occurrence
  •  $3,000,000 Aggregate
Crime Coverage
  • $1,000,000 per loss
Additional Recommendations
  1. Subcontractors If a contractor or vendor elects to engage the services of a subcontractor or any other outside parties, it is the obligation of the primary or general contractor/vendor to confirm every subcontractor or outside party meets the insurance requirements outlined above or the primary or general contractor/vendor shall assume all risks. 
  2. The Contractor’s insurance coverage shall be primary insurance and non-contributory with respect
    to all other available sources.
  3. Auburn University, its Board of Trustees, Trustees Individually, Faculty, Staff, Administrators and Agents shall be named additional insured by endorsement with respect to liability arising out of the activities performed by, or on behalf of, the Contractor.
  4. On insurance policies where the Auburn University is named as an additional insured, the university shall be an additional insured to the full limits of liability purchased by the Contractor, even if those limits of liability are in excess of those required by this contract.
  5. Contractor shall furnish the university with certificates of insurance (ACORD form or equivalent) 
    before work commences.