Youth Third Party Insurance Requirements
Standard Limits:
- Workers Compensation (WC) for third party’s employees:
Meet WI Statutory Requirement Limits - Commercial Comprehensive General Liability (CGL):
Commercial General Liability Insurance-minimum limits required:
Each Occurrence $1,000,000
General Aggregate $2,000,000 - Sexual Abuse/Molestation Liability
Each Occurrence $1,000,000
General Aggregate $2,000,000 - Automobile Liability: Combined Single Limit $1,000,000
Products-Completed Operations Aggregate $1,000,000
Contractual Liability $1,000,000
Personal & Advertising Injury $1,000,000
Damage to Rented Premises $100,000
In addition, the Commercial General Liability Insurance-
Policy should be written on an occurrence basis, or if claims-made coverage is provided, coverage must be maintained for a minimum of five (5) years after the termination the program.
Policy must cover all activities to be performed by the external party, including athletic/physical activities.
Policy must not contain any exclusion for intentional acts.
Policy must not contain any exclusion for abuse from sexual, emotional or physical actions and/or misconduct. If such exclusions are included, separate coverage must be purchased and evidenced.
Shall be provided by a carrier with a minimum A.M. Best rating of A-.
All insurance required Workers Compensation, shall contain a waiver of subrogation in favor of “Board of Regents of the University of Wisconsin System, its officers, employees, and agents.”
Insurance shall be primary and noncontributory.
Additional Requirements:
The third party shall deliver certificates of insurance evidencing the above coverage and applicable renewals thereof by May 1st of the year in which the program is scheduled at the UW System institution. The certificate of insurance shall name the “Board of Regents of the University of Wisconsin System, its officers, employees, and agents” as Additional Insured on their Commercial General Liability and Automobile Liability policies.
Each policy shall be endorsed to provide that the policy is not canceled, non-renewed, changed or allowed to lapse for any reason without sixty (60) days of written notice to the UW System institution. In the event of non-renewal, cancellation, or expiration, the contractor shall provide the University evidence of the new source(s) of required insurance within twenty-one (21) calendar days after the University’s receipt of the sixty (60) day notice. Failure to maintain the required insurance in force provides the University the right to cancel and terminate the contract without notice. Due to the nature of some activities, UW System institutions reserves the right to require additional limits of liability coverage.
Participant Medical and Accident Insurance for Third Party Programs:
Accident insurance coverage for program participants is required. This coverage shall be equivalent to UWSA’s Camps and Clinics Accident insurance. Evidence of coverage shall be issued by the third party to the institutions Risk Manager by May 1st of the year in which the program is scheduled.