Exhibit C - Activities or Services Insurance Coverage Requirements - OU Administrative Policies 和程序

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 风险管理网站.

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	限制
娱乐 & 游戏活动 i.e. 弹跳屋, 打保龄球, 扣篮坦克, 摩天轮, 充气玩具, 机械公牛, Water Craft Activities, i.e. Canoe, Kayak, Boating - Watercraft Liability required A signed Liability Waiver is Required for all activities	Workers' Compensation & Employers' Liability	法定的限制 & Employers' Liability $1M
	Commercial General Liability	$1M per occurrence / $2M aggregate
	汽车责任	$1M
	Excess Liability (umbrella)	$5M per occurrence
	Oakland University listed as Additional Insured
Armored Truck Service	Workers' Compensation & Employers' Liability	法定的限制 & Employers' Liability $1M
	Commercial General Liability	$1M per occurrence / $2M aggregate
	错误 & 遗漏(犯罪)	$2M per occurrence / $2M aggregate
	汽车责任	$1M
	Excess Liability (umbrella)	$2M per occurrence
	Oakland University listed as Additional Insured
审计公司	Workers' Compensation & Employers' Liability	法定的限制 & Employers' Liability $1M
	Commercial General Liability	$1M per occurrence / $2M aggregate
	Professional Liability	$2M per occurrence / $2M aggregate
	汽车责任	$1M
	Excess Liability (umbrella)	$1M per occurrence
	Oakland University listed as Additional Insured except on Professional Liability
银行服务	Workers' Compensation & Employers' Liability	法定的限制 & 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
	汽车责任	$1M
	Excess Liability (umbrella)	$1M
	犯罪/Employee Dishonesty Liability	$5M per occ/$5M aggregate
	Bankers Bond should also be provided (犯罪/Employee dishonesty may included the Bankers Bond)
	Oakland University listed as Additional Insured
特许航空 *With respect to the Aircraft Liability the rule of thumb is a minimum of $5-7M per seat	Workers' Compensation & Employers' Liability	法定的限制 & Employers' Liability $1M
	Commercial General Liability	$1M per occurrence / $2M aggregate
	Aviation Liability*	$5M per occurrence
	汽车责任 "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 Departments requesting Charter Bus Companies, Buses, Limos and Shuttles that are not on the OU Approved Vendor list, MUST: Verify the company is registered with (FMCSA) Federal Motor Carrier Safety Administration (United States Department of Transportation) Has a safety rating of “Satisfactory” by FMCSA A minimum of $5,000,000 in 汽车责任 insurance. A valid Certificate of Insurance is required – NO EXCEPTIONS. Oakland University listed as additional insured. Insurance Requirements do not apply to individuals on Travel Status.	Workers' Compensation & Employers' Liability	法定的限制/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
	汽车责任 "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 研究 Studies MD DO DDS OD 药店医院诊所	Workers' Compensation & Employers' Liability	法定的限制/Employers' Liability $1M
	Commercial General Liability	$1M per occurrence / $2M aggregate
	汽车责任	$1M
	Medical Professional Liability	$1M per occurrence / $3M aggregate
	Excess Liability (umbrella)	$1M per occurrence
	Oakland University listed as Additional Insured
Clinical Affiliation Agreements Affiliation agreements approved by the Office of 法律 Affairs Do Not require proof of insurance documentation unless specifically requested by the Office of 风险管理.	Coverage Varies and is indicated in the signed agreement.
咨询顾问 (IT consulting services refer to IT Service Requirements)	Workers' Compensation & Employers' Liability	法定的限制 & Employers' Liability $1M
	Commercial General Liability	$1M per occurrence / $2M aggregate
	Professional Liability	$2M per occurrence / $2M aggregate
	汽车责任	$1M
	Excess Liability (umbrella)	$2M per occurrence
	Oakland University listed as Additional Insured
Contract Licensed Professional working with Minors	Workers' Compensation & Employers' Liability	法定的限制 & Employers' Liability $1M
	Commercial General Liability	$1M per occurrence / $2M aggregate
	Professional Liability	$2M per occurrence / $2M aggregate
	性虐待 & 猥亵	$1M per occurrence / $2M aggregate
	汽车责任	$1M
	Excess Liability (umbrella)	$2M per occurrence
	Oakland University listed as Additional Insured
Custodial Services (Non-University Employees permanent service provider)	Workers' Compensation & Employers' Liability including alternate employer endorsement	法定的限制 & Employers' Liability $1M
	Commercial General Liability w/Sexual 猥亵 Coverage	$1M per occurrence / $2M aggregate
	汽车责任	$1M
	犯罪 (stealing of 3rd party property (students)	250000美元的限制
	Excess Liability (umbrella)	$5M per occurrence
	Oakland University listed as Additional Insured
无人机，UAV, UAS (Commercial use on campus) Review OU Administrative Policies & 程序- - - - - - 676 - USE OF UNMANNED AIRCRAFT SYSTEMS AND DRONES Requirements updated: 09/2023	Workers' Compensation & Employers' Liability (if operating drone on campus)	法定的限制 & Employers' Liability $1M
	Commercial General Liability (if operating drone on campus)	$1M per occurrence / $2M aggregate
	汽车责任 (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
工程师	Workers' Compensation & Employers' Liability	法定的限制 & Employers' Liability $1M
	Commercial General Liability	$1M per occurrence / $2M aggregate
	Professional Liability	$2M per occurrence / $2M aggregate
	汽车责任	$1M
	Excess Liability (umbrella)	$2M per occurrence
	Oakland University listed as Additional Insured
食品服务 Caterers, Food Trucks, Food Vendors Franchise food providers do not require a certificate. *Sole proprietor – see Self-Employed/Sole Proprietorship requirements Sole proprietors only require a workers’ compensation policy when they have 1 full time or three (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	法定的限制 & Employers' Liability $1M*
	Commercial General Liability	$1M per occurrence / $2M aggregate
	Host Liquor Liability (if Caterer is serving liquor)	$1M per occurrence / $2M aggregate
	汽车责任	$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) 石棉化学物质引领	Workers' Compensation & Employers' Liability	法定的限制 & Employers' Liability $1M
	Commercial General Liability with 污染 & 法律责任	$2M per occurrence / $5M aggregate
	汽车责任	$1M
	Excess Liability (umbrella)	$2M per occurrence
	环境 & 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) 石棉化学物质引领	Workers' Compensation & Employers' Liability	法定的限制 & Employers' Liability $1M
	Commercial General Liability & 污染 & 法律责任	$2M per occurrence / $10M aggregate
	汽车责任	$1M
	Excess Liability (umbrella)	$5M per occurrence
	环境 & Auto pollution endorsement for transporting & pick-up/delivery and non-owned disposal sites.
	Oakland University listed as Additional Insured
iCloud服务 ALL Information Technology Projects require review by University Technology Services (UTS) prior to implementation. 指 OU Administrative Policy #870 Software Regulations 风险管理 reserves the right to increase and/or decrease insurance coverage and/or limits based on the scope of work* 更新:12月. 2023	*错误 & 遗漏(技术E&O)	$1M per occurrence/$2M aggregate
	*网络责任 (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
	汽车责任	$1M
	Oakland University listed as Additional Insured
Information Technology Services ALL Information Technology Projects require review by University Technology Services (UTS) prior to implementation. 指 OU Administrative Policy #870 Software Regulations 风险管理 reserves the right to increase and/or decrease insurance coverage and/or limits based on the scope of work* 更新:12月. 2023	*错误 & 遗漏(技术E&O)	$1M per occurrence/$2M aggregate
	*网络责任	$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
	汽车责任	$1M
	Oakland University listed as Additional Insured
Investment Advisory Services	Workers' Compensation & Employers' Liability	法定的限制 & Employers' Liability $1M
	Commercial General Liability	$1M per occurrence / $2M aggregate
	Professional Liability	$5M per occurrence / $5M aggregate
	Fiduciary Liability	$10M
	汽车责任	$1M
	Excess Liability (umbrella)	$1M
Maintenance Agreements 复印机打印机 Miscellaneous Maintenance Autoclave Maintenance	Workers' Compensation & Employers' Liability	法定的限制 & Employers' Liability $1M
	Commercial General Liability	$1M per occurrence / $2M aggregate
	汽车责任	$1M
	Excess Liability (umbrella)	$2M per occurrence
	Oakland University listed as Additional Insured
Medical Professionals hired as an "Independent Contractor" Or Temporary Hire MD DO DDS OD 心理学家精神病学家 Family Nurse Practitioner Athletic Trainers	Workers' Compensation & Employers' Liability	法定的限制 & 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 性虐待 and 猥亵, a separate 性虐待 and 猥亵 Policy is not required]
	性虐待 & 猥亵	$1M per occurrence / $2M aggregate [see note under Medical Professional Liability]
	汽车责任	$1M
	Excess Liability (umbrella)	$2M per occurrence
	Oakland University listed as Additional Insured
Moving/Transit Service	Workers' Compensation & Employers' Liability	法定的限制 & Employers' Liability $1M
	Commercial General Liability	$1M per occurrence / $2M aggregate
	汽车责任	$1M
	Excess Liability (umbrella)	$2M per occurrence
	内陆水运	Value of goods being transported
	Oakland University listed as Additional Insured
Self-Employed/Sole-Proprietorship Including LLC’s	公司, 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.
Self-Employed/Sole-Proprietorship Including LLC’s	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.
分解服务	Workers' Compensation & Employers' Liability	法定的限制 & Employers' Liability $1M
	Commercial General Liability	$1M per occurrence / $2M aggregate
	Professional Liability (Privacy Coverage)	$2M per occurrence / $2M aggregate
	汽车责任	$1M
	Excess Liability (umbrella)	$5M per occurrence
	Oakland University listed as Additional Insured; HIPPA endorsement
Summer Camp Providers Sole 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	法定的限制 & Employers' Liability $1M*
	Commercial General Liability	$1M per occurrence / $2M aggregate
	性虐待 & 猥亵	$1M per occurrence / $2M aggregate
	汽车责任	$1M
	Excess Liability (umbrella)	$2M per occurrence
	Oakland University listed as Additional Insured
测量师学会	Workers' Compensation & Employers' Liability	法定的限制 & Employers' Liability $1M
	Commercial General Liability	$1M per occurrence / $2M aggregate
	Professional Liability	$2M per occurrence / $2M aggregate
	汽车责任	$1M
	Excess Liability (umbrella)	$2M per occurrence
	Oakland University listed as Additional Insured
Temporary Staffing (Non-University Employees permanent service provider) -文书人员 - IT Professionals Temporary Medical Professionals - See Medical Professional requirements	Workers' Compensation & Employers' Liability	法定的限制 & Employers' Liability $1M
	Commercial General Liability	$1M per occurrence / $2M aggregate
	汽车责任	$1M
	犯罪	$250,000
	Excess Liability (umbrella)	$5M per occurrence
	Oakland University listed as Additional Insured
测试实验室	Workers' Compensation & Employers' Liability	法定的限制 & Employers' Liability $1M
	Commercial General Liability	$1M per occurrence / $2M aggregate
	Professional Liability	$2M per occurrence / $2M aggregate
	汽车责任	$1M
	Excess Liability (umbrella)	$2M per occurrence
	Oakland University listed as Additional Insured
Travel Agents (Domestic) International Travel reservations consult with 风险管理	Workers' Compensation & Employers' Liability	法定的限制 & 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.)
	汽车责任	$1M
	Excess Liability (umbrella)	$2M per occurrence
	Oakland University listed as Additional Insured
特快洗衣服务	Workers' Compensation & Employers' Liability	法定的限制 & Employers' Liability $1M
	Commercial General Liability	$1M per occurrence / $2M aggregate
	汽车责任	$1M
	Garage Keepers Liability	$2M
	Excess Liability (umbrella)	$1M per occurrence
	Oakland University listed as Additional Insured

Exhibit C - Activities or Services Insurance Coverage Requirements

Activity or Service

Insurance Coverage

限制

娱乐 & 游戏活动

Armored Truck Service

审计公司

银行服务

特许航空

Charter Buses, Shuttle Buses, Limousine Rental Services, One-Day Bus Trips

Clinical 研究 Studies

Clinical Affiliation Agreements

咨询顾问

Contract Licensed Professional working with Minors

Custodial Services

无人机，UAV, UAS

工程师

食品服务

Hazardous Materials Management with Disposal (Less than $100,000)

Hazardous Materials Management with Disposal (More than $100,000)

iCloud服务

Information Technology Services

Investment Advisory Services

Maintenance Agreements

Medical Professionals hired as an "Independent Contractor" Or Temporary Hire

Moving/Transit Service

Self-Employed/Sole-Proprietorship Including LLC’s

分解服务

Summer Camp Providers

测量师学会

Temporary Staffing

测试实验室

Travel Agents (Domestic)

特快洗衣服务