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OU Administrative Policies
and Procedures

Police & Support Services, Room 13
201 Meadow Brook Road
Rochester , MI 48309-4482
(location map)

OU Administrative Policies
and Procedures

Police & Support Services, Room 13
201 Meadow Brook Road
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 CoverageLimits

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' LiabilityStatutory 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 ServiceWorkers' Compensation & Employers' LiabilityStatutory 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 FirmsWorkers' Compensation & Employers' LiabilityStatutory 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 AviationWorkers' Compensation & Employers' LiabilityStatutory 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' LiabilityStatutory 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' LiabilityStatutory 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' LiabilityStatutory 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' LiabilityStatutory 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' LiabilityStatutory 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' LiabilityStatutory 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' LiabilityStatutory 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' LiabilityStatutory 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' LiabilityStatutory 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' LiabilityStatutory 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' LiabilityStatutory 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' LiabilityStatutory Limits & Employers' Liability $1M
Commercial General Liability$1M per occurrence / $2M aggregate
Auto Liability$1M
Excess Liability (umbrella)$2M per occurrence
Inland MarineValue of goods being transported
Oakland University listed as Additional Insured 

Shredding Service

Workers' Compensation & Employers' LiabilityStatutory 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' LiabilityStatutory 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' LiabilityStatutory 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' LiabilityStatutory 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' LiabilityStatutory 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' LiabilityStatutory 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' LiabilityStatutory 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