OU Administrative Policies
and Procedures
371 Wilson Blvd., Suite 4000
Rochester ,
MI
48309-4482
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Exhibit C - Activities or Services Insurance Coverage Requirements
EXHIBIT C: Activities or Service Insurance Coverage Requirements
Michigan Universities Self Insured Corporation (M.U.S.I.C.) Updated: September 2023 recommendations from M.U.S.I.C.
An insurance carrier rating of A- or better is recommended, per AM Best.
If the Activity or Service is not listed, refer to the Minimum Insurance Requirement tab located on the Risk Management website.
NOTE: RISK MANAGEMENT RESERVES THE RIGHT TO INCREASE AND/OR DECREASE INSURANCE COVERAGE/LIMITS BASED ON THE SCOPE OF WORK.
Activity or Service | Insurance Coverage | Limits |
Amusement & Game Activitiesi.e. Bounce House, Bowling, Dunk tanks, Ferris wheels, Inflatables, Mechanical Bulls, Water Craft Activities, i.e. Canoe, Kayak, Boating - Watercraft Liability required | Workers' Compensation & Employers' Liability | Statutory Limits & Employers' Liability $1M |
Commercial General Liability | $1M per occurrence / $2M aggregate | |
Auto Liability | $1M | |
Excess Liability (umbrella) | $5M per occurrence | |
Oakland University listed as Additional Insured | ||
Armored Truck Service | Workers' Compensation & Employers' Liability | Statutory Limits & Employers' Liability $1M |
Commercial General Liability | $1M per occurrence / $2M aggregate | |
Errors & Omissions (Crime) | $2M per occurrence / $2M aggregate | |
Auto Liability | $1M | |
Excess Liability (umbrella) | $2M per occurrence | |
Oakland University listed as Additional Insured | ||
Auditing Firms | Workers' Compensation & Employers' Liability | Statutory Limits & Employers' Liability $1M |
Commercial General Liability | $1M per occurrence / $2M aggregate | |
Professional Liability | $2M per occurrence / $2M aggregate | |
Auto Liability | $1M | |
Excess Liability (umbrella) | $1M per occurrence | |
Oakland University listed as Additional Insured except on Professional Liability | ||
Banking Services | Workers' Compensation & Employers' Liability | Statutory Limits & Employers' Liability $1M |
Commercial General Liability | $1M per occurrence / $2M aggregate | |
Professional Liability | $5M per occurrence / $5M aggregate | |
Cyber Risk Liability | $2M per occurrence / $6M aggregate | |
Auto Liability | $1M | |
Excess Liability (umbrella) | $1M | |
Crime/Employee Dishonesty Liability | $5M per occ/$5M aggregate | |
Bankers Bond should also be provided (Crime/Employee dishonesty may included the Bankers Bond) | ||
Oakland University listed as Additional Insured | ||
Charter Aviation*With respect to the Aircraft Liability the rule of thumb is a minimum of $5-7M per seat | Workers' Compensation & Employers' Liability | Statutory Limits & Employers' Liability $1M |
Commercial General Liability | $1M per occurrence / $2M aggregate | |
Aviation Liability* | $5M per occurrence | |
Auto Liability "All owned vehicles" | $1M | |
Excess Liability (umbrella) | $5M per occurrence | |
Oakland University listed as Additional Insured | ||
Charter Buses, Shuttle Buses, Limousine Rental Services, One-Day Bus Trips
Insurance Requirements do not apply to individuals on Travel Status. | Workers' Compensation & Employers' Liability | Statutory Limits/Employers' Liability $1M* *Many drivers are contract drivers, not employees. Important to see who is covering them for Workers’ Compensation |
Commercial General Liability | $1M per occurrence / $2M aggregate | |
Auto Liability "All owned vehicles" | $1M | |
Excess Liability (umbrella) | $5M per occurrence or more depending on the number of travelers | |
Oakland University listed as Additional Insured | ||
Clinical Research Studies
| Workers' Compensation & Employers' Liability | Statutory Limits/Employers' Liability $1M |
Commercial General Liability | $1M per occurrence / $2M aggregate | |
Auto Liability | $1M | |
Medical Professional Liability | $1M per occurrence / $3M aggregate | |
Excess Liability (umbrella) | $1M per occurrence | |
Oakland University listed as Additional Insured | ||
Clinical Affiliation AgreementsAffiliation agreements approved by the Office of Legal Affairs Do Not require proof of insurance documentation unless specifically requested by the Office of Risk Management. | Coverage Varies and is indicated in the signed agreement. | |
Consultants(IT consulting services refer to IT Service Requirements) | Workers' Compensation & Employers' Liability | Statutory Limits & Employers' Liability $1M |
Commercial General Liability | $1M per occurrence / $2M aggregate | |
Professional Liability | $2M per occurrence / $2M aggregate | |
Auto Liability | $1M | |
Excess Liability (umbrella) | $2M per occurrence | |
Oakland University listed as Additional Insured | ||
Contract Licensed Professional working with Minors | Workers' Compensation & Employers' Liability | Statutory Limits & Employers' Liability $1M |
Commercial General Liability | $1M per occurrence / $2M aggregate | |
Professional Liability | $2M per occurrence / $2M aggregate | |
Sexual Abuse & Molestation | $1M per occurrence / $2M aggregate | |
Auto Liability | $1M | |
Excess Liability (umbrella) | $2M per occurrence | |
Oakland University listed as Additional Insured | ||
Custodial Services
| Workers' Compensation & Employers' Liability including alternate employer endorsement | Statutory Limits & Employers' Liability $1M |
Commercial General Liability w/Sexual Molestation Coverage | $1M per occurrence / $2M aggregate | |
Auto Liability | $1M | |
Crime (stealing of 3rd party property (students) | $250,000 limit | |
Excess Liability (umbrella) | $5M per occurrence | |
Oakland University listed as Additional Insured | ||
Drone, UAV, UAS(Commercial use on campus) Review OU Administrative Policies & Procedures - 676 - USE OF UNMANNED AIRCRAFT SYSTEMS AND DRONES Requirements updated: 09/2023 | Workers' Compensation & Employers' Liability (if operating drone on campus) | Statutory Limits & Employers' Liability $1M |
Commercial General Liability (if operating drone on campus) | $1M per occurrence / $2M aggregate | |
Auto Liability (All owned vehicles) (if operating drone on campus) | $1M | |
Aviation (Drone Liability) Insurance | $1M per occurrence - minimum | |
Excess Liability (umbrella) | $1M per occurrence | |
Oakland University listed as Additional Insured | ||
Engineers | Workers' Compensation & Employers' Liability | Statutory Limits & Employers' Liability $1M |
Commercial General Liability | $1M per occurrence / $2M aggregate | |
Professional Liability | $2M per occurrence / $2M aggregate | |
Auto Liability | $1M | |
Excess Liability (umbrella) | $2M per occurrence | |
Oakland University listed as Additional Insured | ||
Food ServiceCaterers, Food Trucks, Food Vendors *Sole proprietor – see Self-Employed/Sole Proprietorship requirements | Workers' Compensation & Employers' Liability | Statutory Limits & Employers' Liability $1M* |
Commercial General Liability | $1M per occurrence / $2M aggregate | |
Host Liquor Liability (if Caterer is serving liquor) | $1M per occurrence / $2M aggregate | |
Auto Liability | $1M | |
Excess Liability (umbrella) | $2M per occurrence for receipts less than $1,000 $5M per occurrence for receipts more than $1,000 | |
Oakland University listed as Additional Insured | ||
Hazardous Materials Management with Disposal (Less than $100,000)
| Workers' Compensation & Employers' Liability | Statutory Limits & Employers' Liability $1M |
Commercial General Liability with Pollution & Legal Liability | $2M per occurrence / $5M aggregate | |
Auto Liability | $1M | |
Excess Liability (umbrella) | $2M per occurrence | |
Environmental & Auto pollution endorsement for transporting & pick-up/delivery and non-owned disposal sites. | ||
Oakland University listed as Additional Insured | ||
Hazardous Materials Management with Disposal (More than $100,000)
| Workers' Compensation & Employers' Liability | Statutory Limits & Employers' Liability $1M |
Commercial General Liability & Pollution & Legal Liability | $2M per occurrence / $10M aggregate | |
Auto Liability | $1M | |
Excess Liability (umbrella) | $5M per occurrence | |
Environmental & Auto pollution endorsement for transporting & pick-up/delivery and non-owned disposal sites. | ||
Oakland University listed as Additional Insured | ||
iCloud Services*ALL Information Technology Projects require review by University Technology Services (UTS) prior to implementation. Refer to OU Administrative Policy #870 Software Regulations Risk Management reserves the right to increase and/or decrease insurance coverage and/or limits based on the scope of work Updated: Dec. 2023 | *Errors & Omissions (Tech E&O) | $1M per occurrence/$2M aggregate |
*Cyber Liability (Will not accept waiver of subrogation on cyber coverage) | $2M per occurrence | |
Excess Liability (umbrella) | $2M | |
If the vendor is performing services on campus, they will be required to provide the following insurance coverage: | ||
Workers' Compensation & Employers' Liability | $1M occurrence/$2M aggregate | |
Commercial General Liability | $1M occurrence/$2M aggregate | |
Auto Liability | $1M | |
Oakland University listed as Additional Insured | ||
Information Technology Services*ALL Information Technology Projects require review by University Technology Services (UTS) prior to implementation. Refer to OU Administrative Policy #870 Software Regulations Risk Management reserves the right to increase and/or decrease insurance coverage and/or limits based on the scope of work Updated: Dec. 2023 | *Errors & Omissions (Tech E&O) | $1M per occurrence/$2M aggregate |
*Cyber Liability | $2M per occurrence | |
Excess Liability (umbrella) | $2M | |
If the vendor is performing services on campus, they will be required to provide the following insurance coverage: | ||
Workers' Compensation & Employers' Liability | $1M occurrence/$2M aggregate | |
Commercial General Liability | $1M occurrence/$2M aggregate | |
Auto Liability | $1M | |
Oakland University listed as Additional Insured | ||
Investment Advisory Services | Workers' Compensation & Employers' Liability | Statutory Limits & Employers' Liability $1M |
Commercial General Liability | $1M per occurrence / $2M aggregate | |
Professional Liability | $5M per occurrence / $5M aggregate | |
Fiduciary Liability | $10M | |
Auto Liability | $1M | |
Excess Liability (umbrella) | $1M | |
Maintenance Agreements
| Workers' Compensation & Employers' Liability | Statutory Limits & Employers' Liability $1M |
Commercial General Liability | $1M per occurrence / $2M aggregate | |
Auto Liability | $1M | |
Excess Liability (umbrella) | $2M per occurrence | |
Oakland University listed as Additional Insured | ||
Medical Professionals hired as an "Independent Contractor" Or Temporary Hire
| Workers' Compensation & Employers' Liability | Statutory Limits & Employers' Liability $1M |
Commercial General Liability | $1M per occurrence / $2M aggregate | |
Medical Professional Liability | $1M per occurrence / $2M aggregate [If the Medical Professional Liability policy does not exclude Sexual Abuse and Molestation, a separate Sexual Abuse and Molestation Policy is not required] | |
Sexual Abuse & Molestation | $1M per occurrence / $2M aggregate [see note under Medical Professional Liability] | |
Auto Liability | $1M | |
Excess Liability (umbrella) | $2M per occurrence | |
Oakland University listed as Additional Insured | ||
Moving/Transit Service | Workers' Compensation & Employers' Liability | Statutory Limits & Employers' Liability $1M |
Commercial General Liability | $1M per occurrence / $2M aggregate | |
Auto Liability | $1M | |
Excess Liability (umbrella) | $2M per occurrence | |
Inland Marine | Value of goods being transported | |
Oakland University listed as Additional Insured | ||
Self-Employed/Sole-Proprietorship Including LLC’s | Corporations, limited liability companies (LLC) and partnerships must either have a workers' compensation policy or a Notice of Exclusion Form, WC-337, on file with this Michigan Compliance & Employee Records Division. The owner(s) are considered an employee(s) of the business. | |
Sole proprietors only require a workers' compensation policy when they have 1 full time or 3 part-time employees. The owner of a sole proprietor is not considered an employee of the business. | ||
Shredding Service | Workers' Compensation & Employers' Liability | Statutory Limits & Employers' Liability $1M |
Commercial General Liability | $1M per occurrence / $2M aggregate | |
Professional Liability (Privacy Coverage) | $2M per occurrence / $2M aggregate | |
Auto Liability | $1M | |
Excess Liability (umbrella) | $5M per occurrence | |
Oakland University listed as Additional Insured; HIPPA endorsement | ||
Summer Camp ProvidersSole proprietor/LLC – see Self-Employed/Sole Proprietorship requirements *Sole proprietors only require a workers’ compensation policy when they have 1 full time or 3 part-time employees. The owner of a sole proprietor is not considered an employee of the business. State of Michigan Employer Insurance Requirements | Workers' Compensation & Employers' Liability | Statutory Limits & Employers' Liability $1M* |
Commercial General Liability | $1M per occurrence / $2M aggregate | |
Sexual Abuse & Molestation | $1M per occurrence / $2M aggregate | |
Auto Liability | $1M | |
Excess Liability (umbrella) | $2M per occurrence | |
Oakland University listed as Additional Insured | ||
Surveyors | Workers' Compensation & Employers' Liability | Statutory Limits & Employers' Liability $1M |
Commercial General Liability | $1M per occurrence / $2M aggregate | |
Professional Liability | $2M per occurrence / $2M aggregate | |
Auto Liability | $1M | |
Excess Liability (umbrella) | $2M per occurrence | |
Oakland University listed as Additional Insured | ||
Temporary Staffing(Non-University Employees permanent service provider) - Clerical Staff - IT Professionals Temporary Medical Professionals - See Medical Professional requirements | Workers' Compensation & Employers' Liability | Statutory Limits & Employers' Liability $1M |
Commercial General Liability | $1M per occurrence / $2M aggregate | |
Auto Liability | $1M | |
Crime | $250,000 | |
Excess Liability (umbrella) | $5M per occurrence | |
Oakland University listed as Additional Insured | ||
Testing Labs | Workers' Compensation & Employers' Liability | Statutory Limits & Employers' Liability $1M |
Commercial General Liability | $1M per occurrence / $2M aggregate | |
Professional Liability | $2M per occurrence / $2M aggregate | |
Auto Liability | $1M | |
Excess Liability (umbrella) | $2M per occurrence | |
Oakland University listed as Additional Insured | ||
Travel Agents (Domestic)
| Workers' Compensation & Employers' Liability | Statutory Limits & Employers' Liability $1M |
Commercial General Liability | $1M per occurrence / $2M aggregate | |
Professional Liability | $2M per occurrence / $2M aggregate | |
Travel Surety Bond (If a deposit is required) to ensure a guarantee of payment to the appropriate person or business that partners with the travel agent (e.g. resorts, hotels, cruise lines, etc.) | ||
Auto Liability | $1M | |
Excess Liability (umbrella) | $2M per occurrence | |
Oakland University listed as Additional Insured | ||
Valet Service | Workers' Compensation & Employers' Liability | Statutory Limits & Employers' Liability $1M |
Commercial General Liability | $1M per occurrence / $2M aggregate | |
Auto Liability | $1M | |
Garage Keepers Liability | $2M | |
Excess Liability (umbrella) | $1M per occurrence | |
Oakland University listed as Additional Insured |