Frequently Asked Questions
What is a certificate of insurance?
这是保险的证据，证明承包商有经济能力支付因承包商疏忽造成的损失. No coverage benefits are afforded to the certificate holder.
When are certificates needed?
当另一方代表我们执行服务时，就需要它们, has our property in their care, 监护权, 和控制, and/or controls or directs our employees. 合同的金额可能不能反映实际风险. 例如, 一些小额合同或采购订单(如烟火表演或运输合同)是高风险的暴露.
What if I am not sure if a certificate is needed?
Ask: What can possibly go wrong? How likely is it to go wrong? If it does go wrong, how much will it cost? 如果承包商做错了什么，谁来赔偿损失?
What forms of insurance coverage should I request?
大多数合同和采购订单都要求承担商业一般责任, 汽车责任, and workers' compensation insurance. 根据暴露的不同，可能还需要其他类型的覆盖. Refer to the "Insurance Requirements Checklist"
应向承包商要求多少限度?
Refer to the "Minimum Insurance Limit Guidelines"
为我们从事小型工作的小型承包商或工匠是否允许更低的限值?
No. These are the people we want the limits from, 因为他们可能没有资产来赔偿我们在严重的情况下, 保额不足损失.
如果承包商的保险不符合我们的保险要求, 我们是否应该更改要求以适应承包商的保险?
No. 这一措词经过仔细斟酌，以便在法律上给我们提供尽可能多的保护. Altering the language would weaken our position. 如果承包商不能遵守所要求的限制, contact the Office of 风险管理 for guidance.
我应该总是要求TSU被指定为“附加被保险人”吗??
附加被保险人是指TSU将被指定为承包商保险单上的“被保险人”. 如果承包商有过失并向我们提出索赔, the contractor's insurance company defends the claim for us. The insured may or may not pay an additional premium. 我们只能被指定为一般责任险和汽车责任险的附加保险人. TSU应始终被指定为证书持有人和附加被保险人.
如果承包商开工时我们没有证书怎么办?
当这种情况发生时，没有什么好的选择(这就是为什么保险规范应该尽早提供给承包商)。. Either we must delay the work, 或者我们必须“自保”承包商，直到我们收到并接受证书. (别忘了，我们为任何责任损失的头10万美元上了自我保险. So if the contractor does not have insurance, 由于承包商的疏忽，有人向我们提出索赔, TSU will have to pay the first $100,000美元的索赔.)
