Insurance Requirements

All contractors shall provide and present Certificate of Insurance or Endorsement as follows​. ​Failure to supply the proper insurance requirements by a certificate of insurance or endorsement does not relieve the contractor or subcontractor from the contractual obligation to provide the required insurance and requested coverages.


1) Commercial General Liability insurance ­Occurrence Form:

  • $2,000,000.00 | General Aggregate
  • $2,000,000.00 | Products and Completed Operations
  • $1,000,000.00 | Occurrence
  • $1,000,000.00 | Personal/Advertising Injury


  • Independent Contractors
    Constructive Renovations, LLC. including Blanket Contractual Liability including indemnification* of Owner for both on­going operations and completed operations. ISO endorsements CG 2010 10/01, CG 2010 7/04, CG 2037 7/04, or equivalent must be used to provide this coverage. A copy of one of these endorsements must be attached to the certificate or wording stating which endorsement form is on the policy.
  • Per Project Aggregate
  • Waiver of Subrogation under Workers Compensation Policy

* Indemnification: To the fullest extent permitted by law, the contractor shall indemnify and hold harmless the Owner, Contractor, and agents and employees of any of them from and against claims, damages, losses, and expenses, including but not limited to attorney’s fees, arising out of or resulting from performance of the contractor’s work under this Subcontract, provided that any such claim, damage, loss, or expense is attributable to bodily injury, sickness, disease, or death, or to the injury to or destruction of tangible property (other than the Work itself), but only to the extent caused by the negligent acts or omissions of the Subcontractor, the Subcontractor’s Subcontractors, anyone directly or indirectly employed by them, or anyone for whose acts that may be liable regardless of whether or not such claim, damage, loss, or expense is caused in part by a party indemnified hereunder. Such obligation shall not be construed to negate, abridge, or otherwise reduce other rights or obligations of indemnity which would otherwise exist as to a party or person described in the paragraph.

2) Commercial/Business Auto including all owned, non-­owned and hired autos:

  • Bodily Injury and Property Damages (CLS) $1,000,000

3) Workers Compensation and Employer’s liability Insurance:

  • Statutory Workers Compensation including occupational disease in accordance with the law
  • Employer’s Liability Insurance with a minimum limit of:
    • Bodily Injury by Accident $500,000 Each Accident
    • Bodily Injury by Disease $500,000 Limit Policy
    • Bodily Injury by Disease $500,000 Per Employee