Standard Practices

Insurance Requirement Standards

The following is provided only for general information and is not intended to represent the actual insurance requirements for any current or future contract with Winthrop University. Refer directly to the final contract documents for actual requirements applicable to any contracted work.

Winthrop University reserves the right to change, waive, or require additional insurance in the negotiation of any contract, as it deems in its best interest. Contact the University Risk Manager regarding questions on specific contract language, liability issues and insurance requirements related to professional services, property or equipment installation, equipment leases, air/bus charter travel, construction activities, environmental risks, special events/rides, fireworks, etc.

Standard Insurance Coverage Requirements

Contractor shall purchase from and maintain with a company or companies lawfully authorized to do business in the State of South Carolina such insurance as will protect the Contractor from Claims set forth below which may arise out of or result from the Contractor's operations under the Contract and for which the Contractor may be legally liable, whether such operations be by the Contractor or by a Subcontractor. Contractor's liability insurance shall be primary over and above any insurance of the University. Insurance shall cover all:

  • Claims under workers' or workmen's compensation, disability benefit and other similar employee benefit acts, including claims for damages because of bodily injury, occupational sickness or disease, or death of the Contractor's employees;
  • Claims for damages because of bodily injury, sickness or disease, or death of any person other than the Contractor's employees, and claims for property damages, because of damage or destruction of tangible property, including loss of use resulting there from;
  • Claims for damages because of bodily injury, death, or property damage arising out of ownership, maintenance or use of a motor vehicle.

Insurance must be maintained for the duration of the contract, in the following types and
minimum amounts:

  1. Workers' compensation and occupational disease insurance in compliance with statutory requirements, for employees who perform any operations under the Contract; and Employer's Liability of no less than $500,000.00 per employee, $1,000,000.00 per incident.
  2. Comprehensive general liability of no less than $1,000,000.00 per occurrence including contractual liability.
  3. Automobile liability insurance on any vehicle, including owned, non-owned, hired, borrowed; in limits not less than $1,000,000.00 per accident.
  4. Such liability insurance required shall name Winthrop University and the State of South Carolina as additional insureds.

Contractor agrees to indemnify and hold harmless Winthrop University and the State of South Carolina for any and all claims, damages, losses, costs and expenses, including attorney fees, arising out of or resulting from Contractor's activities under the Contract. The university shall not participate in any deductible or retention of Contractor's insurance.

Contractor's insurers shall waive all rights of subrogation against Winthrop University and the State of South Carolina for any claims paid under Contractor's insurance policies. Contractor shall furnish Winthrop University three (3) copies of Certificate of Insurance as evidence of compliance with the above requirements prior to beginning work and thereafter as often as policies are renewed or replaced. Certificates shall specify name of the project, services or event and provide no less than twenty (20) days notice of non-renewal or cancellation. Send certificates to Winthrop University, Risk Management Department, 307 Tillman Hall, Rock Hill, South Carolina 29733.