Risk Management: Minimum Insurance Requirements for Hazardous Substances and Waste Removal Services

Hazardous Substances and Waste Removal Services from Executive Order No. 849

These services include all labor, packaging, materials, tools, vehicles, placards, labels/markings, equipment, including personal protective equipment and safety equipment, expertise, and other means necessary and required to provide services for the pickup, transportation, and disposal of hazardous wastes.

• General Liability:  comprehensive or commercial form minimum limits coverage in the minimum amount of $5,000,000 combined single limit bodily injury and property damage each occurrence and $10,000,000 aggregate, including premises/operations, personal injury, broad form property damage, products/completed operations, contractual liability, independent contractors and $500,000 fire legal liability.  A Waiver of Subrogation is required.
• Environmental Impairment (pollution) Liability:  coverage in the minimum amount of $5,000,000 combined single limit bodily injury and property damage each occurrence and $10,000,000 aggregate, including clean-up costs.
• Commercial Automobile Liability:  coverage is required in the minimum amount of $1,000,000 combined single limit bodily injury and property damage, including owned, non-owned and hired automobiles; should also include Uninsured/Underinsured Motorists coverage in the minimum amount of $1,000,000.
• Pollution and/or Asbestos Pollution Liability and or Errors and Omissions.
• Workers' Compensation:  as required under California law.
• Hold Harmless Provision:  reference CSU General Provisions for Service Agreements as maintained in the Contract Resource Library.

In addition to previous coverage noted under Contractor's auto liability, hazardous material transporter services must also have an MCS-90 endorsement and Sudden Accidental Pollution Insurance endorsement.  The Sudden & Accidental Pollution Insurance must have minimum limits of $2,000,000 per occurrence, $2,000,000 total. A higher limit on the MCS-90 endorsement required by law must be matched by the Sudden & Accidental Pollution Insurance.

Evidence of Adequate Coverage - Insurance Requirements

Evidence of adequate insurance coverage is required by furnishing to the University a certificate of insurance that includes an additional insured endorsement and each insurer shall have an A.M. Best (or equivalent) rating of at least A:VII unless otherwise agreed to by the University.

An additional insured endorsement must accompany each certificate (workers' compensation excepted).  Standard insurance form #CG 20 10 10 01 is accepted - Endorsement is to be on a separate page and the wording on the endorsement is to be exactly as follows:

• The State of California; the Trustees of The California State University; California State University, Chico; and the officers, employees, volunteers and agents of each of them are included as additional insureds.
  
• Coverage shall not be cancelled, modified, or reduced without thirty (30) days advance written notice to the University, delivered by certified mail, return receipt requested.