Insurance Requirements

Requirements

The City of Oviedo requires anyone who is performing any work on any City owned property to provide the following forms of insurance:

  • Automobile Liability
  • General Liability
  • Worker’s Compensation

The City of Oviedo has established standard insurance requirements that apply to the majority of city projects/purchases. Please read the ITB or RFP specifications for any exceptions to the standard requirements and check with your insurance agent to make sure that you comply with all of the City’s insurance requirements before submitting your quote, bid or proposal.

CITY OF OVIEDO STANDARD INSURANCE REQUIREMENTS

The selected Firm or Individual for all Bids, Requests for Qualifications (RFQ), and Requests for Proposals (RFP) will be required to name the City as an additional named insured with the following minimum coverages.  

A. Workers’ Compensation shall be maintained by the selected firm or individual for all employees engaged in the work under this Bid, RFQ or RFP in accordance with the laws of the State of Florida. Employers’ Liability Insurance shall be maintained by the selected firm or individual at limits not less than the following.

  • $500,000 Each Accident
  • $500,000 Each Employee
  • $500,000 Policy Limit for Disease

B. Commercial General Liability Insurance shall be maintained by the selected firm or individual with limits not less than the following:

  • $1,000,000 Bodily Injury & Property Damage-each occurrence 
  • $1,000,000 Personal & Advertising Injury-each occurrence
  • $2,000,000 General Aggregate 
  • $2,000,000 Products/Completed Operations Aggregates limit 
  • $5,000 Medical Payments
  • $100,000 Fire Damage Legal Liability

Coverage shall include Contractual Liability and Independent Contractors Liability.

C. Automobile Liability Insurance shall be maintained by the selected firm or individual with a combined single limit of not less than $1,000,000 Bodily Injury and Property Damage in accordance with the laws of the State of Florida, as to the Ownership, maintenance, and use of all owned, non-owned, leased or hired vehicles. 

D. Professional Liability Insurance shall be maintained by the selected firm or individual with a combined single limit of not less than $1,000,000, protecting the selected firm against claims of the City for negligence, errors, mistakes, or omissions in the performance of services to be performed and furnished by the selected firm or individual.

E. Other Required Insurance Coverage where unusual operations are necessary to complete the work, such as Longshoremen and Harbor Workers’ Exposures, use of aircraft or watercraft, use of explosives, and any high risk circumstances. No aircraft, watercraft or explosives shall be used without the express advance written approval of the City.        

All insurance minimum coverages extend to any subcontractor, and the General Contractor is responsible for all sub-contractors.