OU Administrative Policies
and Procedures

Police & Support Services, Room 13
201 Meadow Brook Road
Rochester , MI 48309-4482
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Exhibit C - Activities or Services Insurance Coverage Requirements

EXHIBIT C: Activities or Service Insurance Coverage Requirements
Michigan Universities Self Insured Corporation (M.U.S.I.C.)
An insurance carrier rating of A- or better is recommended, per AM Best
Updated June 2019

Activity or Service

Insurance CoverageLimits
Amusement & Game Activities

i.e. Bounce House, Bowling, Dunk tanks, Ferris wheels, Inflatables, Mechanical Bulls, Water Craft Activities, i.e. Canoe, Kayak, Boating - Watercraft Liability required

A signed Liability Waiver is Required for all activities
Workers' Compensation with Employers' LiabilityStatutory Limits/Employers' Liability $1M
Commercial General Liability$1M per occurrence & $2M aggregate
Auto Liability$1M
Excess Liability (umbrella)$2M per occurrence
Additional Insured Endorsement: Oakland University & Board of Trustees
Armored Truck ServiceWorkers' Compensation with Employers' LiabilityStatutory Limits/Employers' Liability $1M
Commercial General Liability$1M per occurrence & $2M aggregate
Professional Liability$2M per occurrence & $2M aggregate
Auto Liability$1M
Excess Liability (umbrella)$2M per occurrence
Additional Insured Endorsement: Oakland University & Board of Trustees
Auditing FirmsWorkers' Compensation with Employers' LiabilityStatutory Limits/Employers' Liability $1M
Commercial General Liability$1M per occurrence & $2M aggregate
Professional Liability$2M per occurrence & $2M aggregate
Auto Liability$1M
Excess Liability (umbrella)$2M per occurrence
Additional Insured Endorsement: Oakland University & Board of Trustees
Charter AviationWorkers' Compensation with Employers' LiabilityStatutory Limits/Employers' Liability $1M
Commercial General Liability$1M per occurrence & $2M aggregate
Aviation Liability$20M per occurrence
Auto Liability "All owned vehicles"$1M
Excess Liability (umbrella)$5M per occurrence
Additional Insured Endorsement: Oakland University & Board of Trustees
Charter Buses, Shuttle Buses, Limousine Rental Services

Insurance Requirements do not apply to individuals on Travel Status.
Workers' Compensation with Employers' LiabilityStatutory Limits/Employers' Liability $1M
Commercial General Liability$1M per occurrence & $2M aggregate
Auto Liability "All owned vehicles"$1M
Excess Liability (umbrella)$10M per occurrence
Additional Insured Endorsement: Oakland University & Board of Trustees
Clinical Research Studies
  • MD
  • DO
  • DDS
  • OD
  • Pharmacies
  • Hospitals
  • Clinics
Workers' Compensation with Employers' LiabilityStatutory Limits/Employers' Liability $1M
Commercial General Liability$1M per occurrence & $2M aggregate
Auto Liability$1M
Medical Professional Liability$1M per occurrence & $3M aggregate 
Sexual Abuse & Molestation$1M per occurrence & $2M aggregate
Excess Liability (umbrella)$2M per occurrence
Additional Insured Endorsement: Oakland University & Board of Trustees
Clinical Affiliation Agreements

Template agreements approved by the Office of Legal Affairs Do Not require proof of insurance documentation unless specifically requested by the Office of Risk Management.
Coverage Varies and is indicated in signed agreement.
Consultants (IT consulting services refer to IT Service Requirements)Workers' Compensation with Employers' LiabilityStatutory Limits/Employers' Liability $1M
Commercial General Liability$1M per occurrence & $2M aggregate
Professional Liability$2M per occurrence & $2M aggregate
Auto Liability$1M
Excess Liability (umbrella)$2M per occurrence
Additional Insured Endorsement: Oakland University & Board of Trustees
Contracted Licensed Professional working with MinorsWorkers' Compensation with Employers' LiabilityStatutory Limits/Employers' Liability $1M
Commercial General Liability$1M per occurrence & $2M aggregate
Professional Liability$2M per occurrence & $2M aggregate
Sexual Abuse & Molestation$1M per occurrence & $2M aggregate
Auto Liability$1M
Excess Liability (umbrella)$2M per occurrence
Additional Insured Endorsement: Oakland University & Board of Trustees
Custodial Services

(Non-University Employees permanent service provider)
Workers' Compensation with Employers' Liability, Alternate Employer EndorsementStatutory Limits/Employers' Liability $1M, Alternate Employer Endorsement
Commercial General Liability$1M per occurrence & $2M aggregate
Auto Liability$1M
Crime$250,000
Sexual Abuse & Molestation$1M per occurrence & $2M aggregate
Excess Liability (umbrella)$5M per occurrence
Additional Insured Endorsement: Oakland University & Board of Trustees
Drone, UAV, UAS

(commercial use on campus)
Commercial Drone Liability Insurance$1M per occurrence & $2M aggregate
Authorization/Checklist for Vendor or Third Party Operation of a Drone, UAV, UAS must be completed by the Sponsoring Department five (5) days prior to operation of the UAS on any Oakland University grounds.

Drones cannot be operated:

  • Inside University buildings or facilities
  • On University-owned streets or sidewalks
  • Above people who are not directly participating in the operation of the UAS, or not located under a covered structure that can provide reasonable protection from a falling UAS
  • In darkness or periods of low visibility
  • In a manner that blocks or substantially impedes vehicular, pedestrian, or other traffic
  • In a manner that blocks or substantially impedes entrances or exits to University Property
  • In a manner that substantially disrupts or interferes with University operations, events, or activities
  • In a manner or in a place that unreasonably threatens the health or safety of another person
  • In a manner or in a place that unreasonably threatens damage to University Property
  • In a manner that monitors or records an area where a person has a Reasonable Expectation of Privacy
  • Above 400 feet or any height where visual location of the UAS is impaired or not possible
  • If the weight exceeds 55 lbs
  • At speeds greater than 100 mph
  • From operation from any moving vehicle
  • When multiple drones are under the control of one pilot
EngineersWorkers' Compensation with Employers' LiabilityStatutory Limits/Employers' Liability $1M
Commercial General Liability$1M per occurrence & $2M aggregate
Professional Liability$2M per occurrence & $2M aggregate
Auto Liability$1M
Excess Liability (umbrella)$2M per occurrence
Additional Insured Endorsement: Oakland University & Board of Trustees
Food Service

Caterers, Food Trucks, Food Vendors

Franchise food providers do not require a certificate.
Workers' Compensation with Employers' LiabilityStatutory Limits/Employers' Liability $1M
Commercial General Liability$1M per occurrence & $2M aggregate
Host Liquor Liability (if Caterer is serving liquor)$1M per occurrence & $2M aggregate
Auto Liability$1M
Excess Liability (umbrella)$2M per occurrence
Additional Insured Endorsement: Oakland University & Board of Trustees
Hazardous Materials Management with Disposal (Less than $100,000)
  • Asbestos
  • Chemicals
  • Lead
Workers' Compensation with Employers' LiabilityStatutory Limits/Employers' Liability $1M
Commercial General Liability with Pollution & Legal Liability$2M per occurrence & $5M aggregate
Auto Liability$1M
Excess Liability (umbrella)$2M per occurrence
Environmental & Auto pollution endorsement for transporting & pick-up/delivery and non-owned disposal sites.
Additional Insured Endorsement: Oakland University & Board of Trustees
Hazardous Materials Management with Disposal (Less than $100,000)
  • Asbestos
  • Chemicals
  • Lead
Workers' Compensation with Employers' LiabilityStatutory Limits/Employers' Liability $1M
Commercial General Liability with Pollution & Legal Liability$2M per occurrence & $10M aggregate
Auto Liability$1M
Excess Liability (umbrella)$5M per occurrence
Environmental & Auto pollution endorsement for transporting & pick-up/delivery and non-owned disposal sites.
Additional Insured Endorsement: Oakland University & Board of Trustees

Information Technology Services "Low Risk"

  • Consulting - No Data
  • Design
  • Implementation/Upgrade
  • Software Solution-SaaS
Workers' Compensation with Employers' LiabilityStatutory Limits/Employers' Liability $1M
Commercial General Liability$1M per occurrence & $2M aggregate
Professional Liability$1M per occurrence & $2M aggregate
Auto Liability$1M
Excess Liability (umbrella)$2M per occurrence
Additional Insured Endorsement: Oakland University & Board of Trustees

Information Technology Services "Medium Risk"

  • Consulting - Critical Data
  • Design
  • Implementation/Upgrade
  • Software Solution-SaaS
Workers' Compensation with Employers' LiabilityStatutory Limits/Employers' Liability $1M
Commercial General Liability$1M per occurrence & $2M aggregate
Cyber Risk Liability$3M per occurrence & $3M aggregate
Professional Liability$3M per occurrence & $3M aggregate
Auto Liability$1M
Excess Liability (umbrella)$3M per occurrence
Additional Insured Endorsement: Oakland University & Board of Trustees

Information Technology Services "High Risk"

  • Consulting - Confidential Personal Identifiable Information Data (PII)
  • Design
  • Implementation/Upgrade
  • Software Solution-SaaS
  • Clean Hard Drives, Scanners, Copiers
  • Encryption Services for Hardware/Software
  • Network Consultants
  • Hosted Solutions (iCloud services)
Workers' Compensation with Employers' LiabilityStatutory Limits/Employers' Liability $1M
Commercial General Liability$1M per occurrence & $2M aggregate
Cyber Risk Liability$5M per occurrence & $5M aggregate
Professional Liability$5M per occurrence & $5M aggregate
Auto Liability$1M
Excess Liability (umbrella)$5M per occurrence
Additional Insured Endorsement: Oakland University & Board of Trustees

Maintenance Agreements

  • Copiers
  • Printers
  • Miscellaneous Maintenance
Workers' Compensation with Employers' LiabilityStatutory Limits/Employers' Liability $1M
Commercial General Liability$1M per occurrence & $2M aggregate
Auto Liability$1M
Excess Liability (umbrella)$2M per occurrence
Additional Insured Endorsement: Oakland University & Board of Trustees

Medical Professionals hired as an "Independent Contractor"

  • MD
  • DO
  • DDS OD
  • Psychologist
  • Psychiatrist
  • Family Nurse Practitioner
  • Athletic Trainers
Workers' Compensation with Employers' LiabilityStatutory Limits/Employers' Liability $1M
Commercial General Liability$1M per occurrence & $2M aggregate
Medical Professional Liability$1M per occurrence & $1M aggregate
Sexual Abuse & Molestation$1M per occurrence & $2M aggregate
Auto Liability$1M
Excess Liability (umbrella)$2M per occurrence
Additional Insured Endorsement: Oakland University & Board of Trustees

Shredding Service

Workers' Compensation with Employers' LiabilityStatutory Limits/Employers' Liability $1M
Commercial General Liability$1M per occurrence & $2M aggregate
Professional Liability (Privacy Coverage)$2M per occurrence & $2M aggregate
Auto Liability$1M
Excess Liability (umbrella)$5M per occurrence
Additional Insured Endorsement: Oakland University & Board of Trustees

Surveyors

Workers' Compensation with Employers' LiabilityStatutory Limits/Employers' Liability $1M
Commercial General Liability$1M per occurrence & $2M aggregate
Professional Liability$2M per occurrence & $2M aggregate
Auto Liability$1M
Excess Liability (umbrella)$2M per occurrence
Additional Insured Endorsement: Oakland University & Board of Trustees

Testing Labs

Workers' Compensation with Employers' LiabilityStatutory Limits/Employers' Liability $1M
Commercial General Liability$1M per occurrence & $2M aggregate
Professional Liability$2M per occurrence & $2M aggregate
Auto Liability$1M
Excess Liability (umbrella)$2M per occurrence
Additional Insured Endorsement: Oakland University & Board of Trustees

Summer Camp Providers

*Sole Proprietor with no employees is exempt from the Workers' Compensation/Employers Liability Requirement

Workers' Compensation with Employers' LiabilityStatutory Limits/Employers' Liability $1M
Commercial General Liability$1M per occurrence & $2M aggregate
Sexual Abuse & Molestation$1M per occurrence & $2M aggregate
Auto Liability$1M
Excess Liability (umbrella)$2M per occurrence
Additional Insured Endorsement: Oakland University & Board of Trustees

Travel Agents (Domestic)

International Travel reservations consult with Risk Management

Workers' Compensation with Employers' LiabilityStatutory Limits/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.)
Auto Liability$1M
Excess Liability (umbrella)$2M per occurrence
Additional Insured Endorsement: Oakland University & Board of Trustees

Valet Service

Workers' Compensation with Employers' LiabilityStatutory Limits/Employers' Liability $1M
Commercial General Liability$1M per occurrence & $2M aggregate
Auto Liability$1M
Garage Keepers Liability$2M
Excess Liability (umbrella)$1M per occurrence
Additional Insured Endorsement: Oakland University & Board of Trustees