Insurance

Ithaca College requires a contract and Certificate(s) of Insurance be on file for review and approval prior to the commencement of any work by a contractor or vendor.  Contracting insurance provisions are reviewed by Risk Management, which may include contractual clauses such as types of coverage, per occurrence limits of liability, additional insured's, and a request for a Certificate of Insurance.  Depending on the scope of activities, work, and risk of potential loss, contracts will vary in detail and insurance requirements.

Please review the College's Contract Review and Approval Policy.  Instructions on how to submit a contract and the Certificate of Insurance are located on the Office of General Counsel's site. 

The College's standard insurance requirements are below, but additional insurance guidance is provided on the Insurance Matrix (document and sample Certificates of Insurance are also located below).  Requirements may be subject to change depending on the scope of work.

The standard insurance requirements are as follows:

Vendor agrees to obtain and maintain in full force and effect the following insurance (at Vendor's own expense to cover activities of Vendor and its agents, subcontractors, and/or employees) before the commencement of any awarded work and throughout the duration of the Agreement:

• Commercial General Liability insurance on an occurrence form, including broad form blanket contractual liability coverage, for claims arising in connection to this Agreement for personal injury, bodily injury, and property damage, including products and completed operations, with available limits not less than $1,000,000 combined single limit per occurrence and $2,000,000 general annual aggregate.
• Comprehensive Automobile Liability Insurance covering all owned, non-owned, and hired vehicles with limits of liability not less than $1,000,000 combined single limit each occurrence for bodily injury and property damage and $1,000,000 aggregate.
• Umbrella/Excess Liability Insurance overall underlying exposures with limits of not less than $5,000,000 per occurrence.
• Workers’ Compensation policies, including Coverage B Employer’s Liability, in full compliance with the Workers’ Compensation Laws of the State of New York and all states where the work is performed or in which a claim shall be presented.  If the employer is located or resides outside the State of New York, the certificate must evidence the policy coverage applies to All States.

• Professional Liability/Errors & Omissions Insurance and/or Technology Services Errors & Omissions/Technology Products Errors & Omissions with minimum limits of not less than $5 million limit and in the annual aggregate, inclusive of defense costs, and must indicate if it provides occurrence or claims-made coverage. If Professional Liability coverage is written on a claims-made form, coverage must be maintained for a minimum of three years after completion or termination of the Agreement. Any insurance written on a claims-made form must indicate a retro date. Ithaca College must be named as an additional insured under Professional Liability/Errors & Omissions Insurance and/or Technology Services Errors & Omissions/Technology Products Errors & Omissions policy. Further, an appropriate endorsement deleting the Insured vs. Insured exclusion must be evidenced, so as not to impede a claim by College for a wrongful act of Vendor.
• Cyber Liability Insurance for Network Security/Privacy Liability including coverage for 1) breach response, inclusive of defense costs, 2) privacy liability, 3) computer or network systems attacks, 4) denial or loss of service, 5) introduction, implantation, or spread of malicious software code, and 6) unauthorized Access and Use of computer systems. The policy must carry a minimum limit of not less than $5 million and in the annual aggregate.  If Cyber liability policy or policies are written on a claims-made form, coverage must be maintained for a minimum of three years after the completion or termination of the Agreement.  Any insurance written on a claims-made form must indicate a retro date.  Ithaca College must be named as an additional insured under the cyber policy. Further, an appropriate endorsement deleting the Insured vs. Insured exclusion must be evidenced, so as not to impede a claim by College for a wrongful act of Vendor.
• Commercial Crime Insurance/Employee Dishonesty Coverage for loss of money, securities and other tangible property belonging to Ithaca College, or for which such money, securities and other tangible property Ithaca College is legally liable for, resulting directly from a fraudulent or dishonest act by Vendor's employee, or a Vendor's subcontracted employee, while performing professional services for Ithaca College, in an amount not less than $1,000,000 (limit may change depending on work performed for College) for any one loss or occurrence.  Coverage will also extend to Third-Party Customer Extension, along with a Loss Payee Provision.
• Sexual Abuse, Sexual Molestation, Physical or Mental Abuse Insurance for any event, program, or activity involving individuals under the age of 18. Minimum limit of $1,000,000 per wrongful act and $1,000,000 aggregate. This coverage can be provided either by endorsement to the Commercial General Liability Policy or under a separate policy and must be specifically referenced on the Certificate of Insurance. Coverage for such claims must not be subject to any exclusion, restriction, or sub-limit.
• Participant/Volunteer Accident Insurance for all sporting events and other types of events to cover participants and volunteers. College reserves the right to determine when such insurance is required.