OU Administrative Policies
and Procedures
371 Wilson Blvd., Suite 4000
Rochester ,
MI
48309-4482
(location map)

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: July 2021; If the Activity or Service is not listed, refer to the Minimum Insurance Requirement tab located on the Risk Management Website
Activity or Service | Insurance Coverage | Limits |
Amusement & Game Activities Watercraft Liability required | 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 | ||
Armored Truck Service | 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 | ||
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) | $2M per occurrence | |
Oakland University listed as Additional Insured | ||
Charter Aviation | Workers' Compensation & Employers' Liability | Statutory 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 | |
Oakland University listed as Additional Insured | ||
Charter Buses, Shuttle Buses, Limousine Rental Services Insurance Requirements do not apply to individuals on Travel Status. | Workers' Compensation & Employers' Liability | Statutory Limits/Employers' Liability $1M |
Commercial General Liability | $1M per occurrence / $2M aggregate | |
Auto Liability "All owned vehicles" | $1M | |
Excess Liability (umbrella) | $10M per occurrence | |
Oakland University listed as Additional Insured | ||
Clinical Research Studies
| 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 | |
Sexual Abuse & Molestation | $1M per occurrence / $2M aggregate | |
Excess Liability (umbrella) | $2M 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
| Workers' Compensation & Employers' Liability | Statutory Limits & Employers' Liability $1M |
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 | |
Oakland University listed as Additional Insured | ||
Drone, UAV, UAS(commercial use on campus) | Drone Liability Insurance | $1M per occurrence / $2M aggregate |
Review OU Administrative Policies & Procedures - 676 - USE OF UNMANNED AIRCRAFT SYSTEMS AND DRONES | ||
| ||
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 ServiceCaterers, Food Trucks, Food VendorsFranchise food providers do not require a certificate. | 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 | |
Oakland University listed as Additional Insured | ||
Hazardous Materials Management with Disposal (Less than $100,000)
| 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)
| 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 | ||
Information Technology Services
| Cyber Liability | $1M per occurrence/$2M aggregate |
Technology Errors & Omissions (Tech E&O) Coverage for failure of a service or software. | $1M per occurrence/ $2M aggregate | |
If the vendor is performing services on campus they will need to provide the following insurance coverage: Commercial General Liability: $1M per occurrence/$2M aggregate Auto Liability: $1M per occurrence Workers' Compensation: Statutory limits/Employers' Liability: $1M Excess Liability (umbrella): $2M per occurrence Oakland University listed as additional insured | ||
Maintenance Agreements
| 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
| 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 | |
Sexual Abuse & Molestation | $1M per occurrence / $2M aggregate | |
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 | ||
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 | ||
Summer Camp Providers
| *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 | |
Sexual Abuse & Molestation | $1M per occurrence / $2M aggregate | |
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)
| 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 |