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:

I. Insurance 

•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 waived if contract does not involve use of motor vehicle)

•      $1,000,000 Combined Single Limit

•Workers’ Compensation:

•   Statutory Limits Plus
•  $1,000,000 Minimum Employers Liability Limits

•Professional Liability/Errors & Omissions including 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 (required if handling, or have access to university funds):

• $1,000,000 per loss

II. 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.