Exhibit C - Activities or Services Insurance Coverage Requirements - OU Administrative Policies and Procedures

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 Risk Management website.

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	Limits
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 & Employers' Liability	Statutory Limits & Employers' Liability $1M
	Commercial General Liability	$1M per occurrence / $2M aggregate
	Auto Liability	$1M
	Excess Liability (umbrella)	$5M per occurrence
	Oakland University listed as Additional Insured
Armored Truck Service	Workers' Compensation & Employers' Liability	Statutory Limits & Employers' Liability $1M
	Commercial General Liability	$1M per occurrence / $2M aggregate
	Errors & Omissions (Crime)	$2M per occurrence / $2M aggregate
	Auto Liability	$1M
	Excess Liability (umbrella)	$2M per occurrence
	Oakland University listed as Additional Insured
Auditing Firms	Workers' Compensation & Employers' Liability	Statutory 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)	$1M per occurrence
	Oakland University listed as Additional Insured except on Professional Liability
Banking Services	Workers' Compensation & Employers' Liability	Statutory Limits & 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
	Auto Liability	$1M
	Excess Liability (umbrella)	$1M
	Crime/Employee Dishonesty Liability	$5M per occ/$5M aggregate
	Bankers Bond should also be provided (Crime/Employee dishonesty may included the Bankers Bond)
	Oakland University listed as Additional Insured
Charter Aviation *With respect to the Aircraft Liability the rule of thumb is a minimum of $5-7M per seat	Workers' Compensation & Employers' Liability	Statutory Limits & Employers' Liability $1M
	Commercial General Liability	$1M per occurrence / $2M aggregate
	Aviation Liability*	$5M per occurrence
	Auto Liability "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) and meets their minimum insurance requirement of $5M for 16 or more passengers. Has a safety rating of “Satisfactory” by FMCSA. A minimum of $5,000,000 in Auto Liability 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	Statutory Limits/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
	Auto Liability "All owned vehicles"	$5M
	Excess Liability (umbrella)	$5M per occurrence or more depending on the number of travelers
	Oakland University listed as Additional Insured
Clinical Research Studies MD DO DDS OD Pharmacies Hospitals Clinics	Workers' Compensation & Employers' Liability	Statutory Limits/Employers' Liability $1M
	Commercial General Liability	$1M per occurrence / $2M aggregate
	Auto Liability	$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 Legal Affairs Do Not require proof of insurance documentation unless specifically requested by the Office of Risk Management.	Coverage Varies and is indicated in the signed agreement.
Consultants (IT consulting services refer to IT Service Requirements)	Workers' Compensation & Employers' Liability	Statutory 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
	Oakland University listed as Additional Insured
Contract Licensed Professional working with Minors	Workers' Compensation & Employers' Liability	Statutory 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
	Oakland University listed as Additional Insured
Custodial Services (Non-University Employees permanent service provider)	Workers' Compensation & Employers' Liability including alternate employer endorsement	Statutory Limits & Employers' Liability $1M
	Commercial General Liability w/Sexual Molestation Coverage	$1M per occurrence / $2M aggregate
	Auto Liability	$1M
	Crime (stealing of 3rd party property (students)	$250,000 limit
	Excess Liability (umbrella)	$5M per occurrence
	Oakland University listed as Additional Insured
Drone, UAV, UAS (Commercial use on campus) Review OU Administrative Policies & Procedures - 676 - USE OF UNMANNED AIRCRAFT SYSTEMS AND DRONES Requirements updated: 09/2023	Workers' Compensation & Employers' Liability (if operating drone on campus)	Statutory Limits & Employers' Liability $1M
	Commercial General Liability (if operating drone on campus)	$1M per occurrence / $2M aggregate
	Auto Liability (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
Engineers	Workers' Compensation & Employers' Liability	Statutory 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
	Oakland University listed as Additional Insured
Food Service 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	Statutory 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 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) Asbestos Chemicals Lead	Workers' Compensation & Employers' Liability	Statutory 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.
	Oakland University listed as Additional Insured
Hazardous Materials Management with Disposal (More than $100,000) Asbestos Chemicals Lead	Workers' Compensation & Employers' Liability	Statutory Limits & Employers' Liability $1M
	Commercial General Liability & 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.
	Oakland University listed as Additional Insured
iCloud Services ALL Information Technology Projects require review by University Technology Services (UTS) prior to implementation. Refer to OU Administrative Policy #870 Software Regulations Risk Management reserves the right to increase and/or decrease insurance coverage and/or limits based on the scope of work* Updated: Dec. 2023	*Errors & Omissions (Tech E&O)	$1M per occurrence/$2M aggregate
	*Cyber Liability (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
	Auto Liability	$1M
	Oakland University listed as Additional Insured
Information Technology Services ALL Information Technology Projects require review by University Technology Services (UTS) prior to implementation. Refer to OU Administrative Policy #870 Software Regulations Risk Management reserves the right to increase and/or decrease insurance coverage and/or limits based on the scope of work* Updated: Dec. 2023	*Errors & Omissions (Tech E&O)	$1M per occurrence/$2M aggregate
	*Cyber Liability	$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
	Auto Liability	$1M
	Oakland University listed as Additional Insured
Investment Advisory Services	Workers' Compensation & Employers' Liability	Statutory Limits & Employers' Liability $1M
	Commercial General Liability	$1M per occurrence / $2M aggregate
	Professional Liability	$5M per occurrence / $5M aggregate
	Fiduciary Liability	$10M
	Auto Liability	$1M
	Excess Liability (umbrella)	$1M
Maintenance Agreements Copiers Printers Miscellaneous Maintenance Autoclave Maintenance	Workers' Compensation & Employers' Liability	Statutory Limits & Employers' Liability $1M
	Commercial General Liability	$1M per occurrence / $2M aggregate
	Auto Liability	$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 Psychologist Psychiatrist Family Nurse Practitioner Athletic Trainers	Workers' Compensation & Employers' Liability	Statutory Limits & 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 Sexual Abuse and Molestation, a separate Sexual Abuse and Molestation Policy is not required]
	Sexual Abuse & Molestation	$1M per occurrence / $2M aggregate [see note under Medical Professional Liability]
	Auto Liability	$1M
	Excess Liability (umbrella)	$2M per occurrence
	Oakland University listed as Additional Insured
Moving/Transit Service	Workers' Compensation & Employers' Liability	Statutory Limits & Employers' Liability $1M
	Commercial General Liability	$1M per occurrence / $2M aggregate
	Auto Liability	$1M
	Excess Liability (umbrella)	$2M per occurrence
	Inland Marine	Value of goods being transported
	Oakland University listed as Additional Insured
Self-Employed/Sole-Proprietorship Including LLC’s	Corporations, 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.
Shredding Service	Workers' Compensation & Employers' Liability	Statutory 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
	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	Statutory 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
	Oakland University listed as Additional Insured
Surveyors	Workers' Compensation & Employers' Liability	Statutory 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
	Oakland University listed as Additional Insured
Temporary Staffing (Non-University Employees permanent service provider) - Clerical Staff - IT Professionals Temporary Medical Professionals - See Medical Professional requirements	Workers' Compensation & Employers' Liability	Statutory Limits & Employers' Liability $1M
	Commercial General Liability	$1M per occurrence / $2M aggregate
	Auto Liability	$1M
	Crime	$250,000
	Excess Liability (umbrella)	$5M per occurrence
	Oakland University listed as Additional Insured
Testing Labs	Workers' Compensation & Employers' Liability	Statutory 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
	Oakland University listed as Additional Insured
Travel Agents (Domestic) International Travel reservations consult with Risk Management	Workers' Compensation & Employers' Liability	Statutory 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
	Oakland University listed as Additional Insured
Valet Service	Workers' Compensation & Employers' Liability	Statutory 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
	Oakland University listed as Additional Insured

Exhibit C - Activities or Services Insurance Coverage Requirements

Activity or Service

Insurance Coverage

Limits

Amusement & Game Activities

Armored Truck Service

Auditing Firms

Banking Services

Charter Aviation

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

Clinical Research Studies

Clinical Affiliation Agreements

Consultants

Contract Licensed Professional working with Minors

Custodial Services

Drone, UAV, UAS

Engineers

Food Service

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

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

iCloud Services

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

Shredding Service

Summer Camp Providers

Surveyors

Temporary Staffing

Testing Labs

Travel Agents (Domestic)

Valet Service