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.)
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 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)	$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 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
	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 (Non-University Employees permanent service provider)	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 Service Caterers, Food Trucks, Food Vendors Franchise 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) 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
Information Technology Services Insurance limits are for ALL levels (low, medium, high) of 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 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
	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 *Sole Proprietor with no employees is exempt from the Workers' Compensation/Employers Liability Requirement	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) 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

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)

Information Technology Services

Maintenance Agreements

Medical Professionals hired as an "Independent Contractor" Or Temporary Hire

Moving/Transit Service

Shredding Service

Summer Camp Providers

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

Surveyors

Temporary Staffing

Testing Labs

Travel Agents (Domestic)

Valet Service