Insurance Requirements

The certificate(s) shall be completed by the Vendor’s authorized agent and submitted to the District’s Purchasing Department. The Vendor shall not commence any work until it has obtained the required types of insurance and shall maintain such insurance as will protect him/her from claims which may arise out of or result from the vendor’s operations. The District shall be exempt from, and in no way liable for, any sums of money which may represent a deductible in any insurance policy. The payment of such deductible shall be the sole responsibility of the Vendor and/or subconsultant providing such insurance. Please contact the Purchasing Department regarding the requirements for any specific services or contracts as insurance requirements may vary depending upon the work being performed. However, the following insurance requirements are generally accepted for most services / vendors.

• General Liability. The Vendor shall obtain, and maintain General Liability Insurance in an amount no less than $1,000,000 per occurrence and $1,000,000 general aggregate for Bodily Injury and Property Damage. Insurance shall protect the Vendor, subconsultants and subcontractors from claims for damage for personal injury, including accidental death, as well as claims for property damages which may arise from the Vendor’s operations. District(s) shall be named as Additional Insured.


• Automobile Liability Insurance covering all automobiles and trucks the Vendor may use in connection with their operations. The limit of liability for this coverage shall be a minimum combined single limit of $500,000 per occurrence for bodily injury and property damage. This is to include owned, hired, and non-owned vehicles. District(s) shall be named as Additional Insured.


• Excess Liability Insurance (Umbrella Policy) may compensate for a deficiency in general liability or automobile insurance coverage limits.


• Workers’ Compensation Insurance, as required by the State of Florida. The Vendor and any subconsultants or subcontractors shall comply fully with the Florida Worker’s Compensation Law. In case any class of employees engaged in hazardous work at the site of the operations is not protected under the Worker’s Compensation statute, the Vendor shall provide, and cause each subconsultant or subcontractor to provide adequate insurance for the protection of its employees not otherwise protected. The Vendor must provide certificate of insurance showing Worker’s Compensation coverage or must provide an exemption certificate issued by the State of Florida showing that the Vendor is exempt from Worker’s Compensation insurance requirements.


• Waiver of Subrogation: The Vendor agrees to a Waiver of Subrogation for each policy required above.


• The District reserves the right to modify the insurance requirements set forth at anytime.


• Certificate(s) shall be dated and show:


• The name of the insured Vendor, the name of the insurer, the number of the policy, its effective date and its termination date.


• Statement that the insurer will mail notice to the District at least thirty (30) days prior to any material changes in provisions or cancellation of the policy.


• Subrogation of Waiver clause


• Village Center Community Development District, Sumter Landing Community Development District, and Village Community Development Districts 1 – 10 shall be a named additional insured on Public Liability Insurance and Automobile Liability Insurance.


• The Vendor shall require of each its subconsultants and/or subcontractors to procure and maintain during the life of its subcontract, insurance of the type specified above or insure the activities of its subconsultants and/or subcontractors in its policy as described above.


• All insurance policies shall be written on companies authorized to do business in the State of Florida.

The Vendor or its insurance company may email, fax or mail the required forms to:

Village Community Development Districts
Purchasing Department
1894 Laurel Manor Drive
The Villages, FL 32162
Phone: (352) 751-6700
Fax: (352) 751-6715
angela.harvey@districtgov.org

ADDITIONAL INSURANCE
(If Required)

The following types of insurance may be required on a case-by-case basis.  This list does not, however, represent all additional insurances.  Each contract or service will be evaluated for specific insurance needs.

Professional Liability and/or Errors and Omissions Liability
Professional (E&O) Liability insurance must be purchased and maintained with minimum limits of $1,000,000 per occurrence.

Property Coverage for Leases
The other party shall procure and maintain for the life of the lease, all risk/special perils (including sinkhole) property insurance (or its equivalent) to cover loss resulting from damage or destruction of the building and personal property/contents.  The policy shall cover 100% replacement costs and shall include an agreed value endorsement to waive coinsurance.

Commercial General Liability
Because the Commercial General Liability form of coverage includes an annual aggregate limitation on the amount of insurance provided, a separate project aggregate limit will be required by the District for specific agreements or contracts.

Liquor Liability
In anticipation of alcohol being served, the other party shall provide evidence of coverage for liquor liability in an amount equal to the General / Public Liability coverage.  If the General Liability insurance covers liquor liability, the other party’s agent or insurer must provide written documentation to confirm that coverage already applies to the agreement, contract or lease.