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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.)  updated 10.2026
An insurance carrier rating of A- or better is recommended, per AM Best.
If the Activity or Service is not listed, refer to the Minimum Insurance Requirement tab located on the Risk Management website.

RISK MANAGEMENT RESERVES THE RIGHT TO MODIFY THE INSURANCE REQUIREMENTS BASED ON THE SCOPE OF WORK

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

Updated September 2026

 Workers' Compensation & Employers' Liability Statutory Limits & Employers' Liability $1M
Commercial General Liability $1M per occurrence / $2M aggregate
Auto Liability $1M
Excess Liability (umbrella) $1M 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
Errors & Omissions (Crime) $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) $1M per occurrence
Oakland University listed as Additional Insured except on Professional Liability

Banking Services

 Workers' Compensation & Employers' Liability Statutory Limits & Employers' Liability $1M
Commercial General Liability $1M per occurrence / $2M aggregate
Professional Liability $5M per occurrence / $5M aggregate
Cyber Risk Liability $2M per occurrence / $6M aggregate
Auto Liability $1M
Excess Liability (umbrella) $1M
Crime/Employee Dishonesty Liability $5M per occ/$5M aggregate
Bankers Bond should also be provided (Crime/Employee dishonesty may included the Bankers Bond)
Oakland University listed as Additional Insured 

Charter Aviation

*With respect to the Aircraft Liability the rule of thumb is a minimum of $5-7M per seat

 Workers' Compensation & Employers' Liability Statutory Limits & Employers' Liability $1M
Commercial General Liability $1M per occurrence / $2M aggregate
Aviation Liability* $5M 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, One-Day Bus Trips


Departments requesting Charter Bus Companies, Buses, Limos and Shuttles that are not on the OU Approved Vendor list, MUST:

  • Verify the company is registered with (FMCSA) Federal Motor Carrier Safety Administration (United States Department of Transportation) and meets their minimum insurance requirement of $5M for 16 or more passengers.
  • Has a safety rating of “Satisfactory” by FMCSA.  
  • A minimum of $5,000,000 in Auto Liability insurance. A valid Certificate of Insurance is required – NO EXCEPTIONS.
  • Oakland University listed as additional insured.

Insurance Requirements do not apply to individuals on Travel Status.

 Workers' Compensation & Employers' Liability

Statutory Limits/Employers' Liability $1M*

*Many drivers are contract drivers, not employees. Important to see who is covering them for Workers’ Compensation
Commercial General Liability $1M per occurrence / $2M aggregate
Auto Liability "All owned vehicles" $5M
Excess Liability (umbrella) $5M per occurrence or more depending on the number of travelers
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 
Excess Liability (umbrella) $1M 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  including alternate employer endorsement Statutory Limits & Employers' Liability $1M
Commercial General Liability w/Sexual Molestation Coverage $1M per occurrence / $2M aggregate
Auto Liability $1M
Crime (stealing of 3rd party property (students) $250,000 limit
Excess Liability (umbrella) $5M per occurrence
Oakland University listed as Additional Insured 

Drone, UAV, UAS


(Commercial use on campus)

Review OU Administrative Policies & Procedures - 676 - USE OF UNMANNED AIRCRAFT SYSTEMS AND DRONES

Requirements updated: 09/2023



 Workers' Compensation & Employers' Liability (if operating drone on campus) Statutory Limits & Employers' Liability $1M

Commercial General Liability (if operating drone on campus)

 $1M per occurrence / $2M aggregate
Auto Liability (All owned vehicles) (if operating drone on campus) $1M
Aviation (Drone Liability) Insurance $1M per occurrence - minimum
Excess Liability (umbrella) $1M per occurrence
Oakland University listed as Additional Insured 

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. 

*Sole proprietor – see Self-Employed/Sole Proprietorship requirements
Sole proprietors only require a workers’ compensation policy when they have 1 full time or three (3) part-time employees. The owner of a sole proprietor is not considered an employee of the business.
State of Michigan Employer Insurance Requirements

 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 for receipts less than $1,000
$5M per occurrence for receipts more than $1,000
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 

iCloud Services

*ALL Information Technology Projects require review by University Technology Services (UTS) prior to implementation. Refer to OU Administrative Policy #870 Software Regulations

Risk Management reserves the right to increase and/or decrease insurance coverage and/or limits based on the scope of work

Updated: Dec. 2023

 *Errors & Omissions (Tech E&O) $1M per occurrence/$2M aggregate
*Cyber Liability (Will not accept waiver of subrogation on cyber coverage) $2M per occurrence
Excess Liability (umbrella) $2M
If the vendor is performing services on campus, they will be required to provide the following insurance coverage:

Workers' Compensation & Employers' Liability

 $1M occurrence/$2M aggregate

Commercial General Liability

 $1M occurrence/$2M aggregate
Auto Liability $1M
Oakland University listed as Additional Insured

Information Technology Services

*ALL Information Technology Projects require review by University Technology Services (UTS) prior to implementation. Refer to OU Administrative Policy #870 Software Regulations

Risk Management reserves the right to increase and/or decrease insurance coverage and/or limits based on the scope of work

Updated: Dec. 2023

 *Errors & Omissions (Tech E&O) $1M per occurrence/$2M aggregate
*Cyber Liability $2M per occurrence
Excess Liability (umbrella) $2M
If the vendor is performing services on campus, they will be required to provide the following insurance coverage:

Workers' Compensation & Employers' Liability

 $1M occurrence/$2M aggregate
Commercial General Liability $1M occurrence/$2M aggregate
Auto Liability $1M
Oakland University listed as Additional Insured

Investment Advisory Services

 Workers' Compensation & Employers' Liability Statutory Limits & Employers' Liability $1M
Commercial General Liability $1M per occurrence / $2M aggregate
Professional Liability $5M per occurrence / $5M aggregate
Fiduciary Liability $10M
Auto Liability $1M 
Excess Liability (umbrella) $1M

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 [If the Medical Professional Liability policy does not exclude Sexual Abuse and Molestation, a separate Sexual Abuse and Molestation Policy is not required]
Sexual Abuse & Molestation $1M per occurrence / $2M aggregate  [see note under Medical Professional Liability]
Auto Liability $1M
Excess Liability (umbrella) $2M per occurrence
Oakland University listed as Additional Insured 

Moving/Transit Service/Rigging Services

Updated September 2025

 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
Rigging Services - In addition to the above limits
Rigging Liability Coverage 100% Value of goods
Professional Liability (E&O) $1M
Oakland University listed as Additional Insured 

Self-Employed/Sole-Proprietorship Including LLC’s

 Corporations, limited liability companies (LLC) and partnerships must either have a workers' compensation policy or a Notice of Exclusion Form, WC-337, on file with this Michigan Compliance & Employee Records Division. The owner(s) are considered an employee(s) of the business.
Sole proprietors only require a workers' compensation policy when they have 1 full time or 3 part-time employees. The owner of a sole proprietor is not considered an employee of the business and may be required to provide proof of coverage for themselves.

Effective 5.1.2026 - Self Employed/Sole Proprietors must be covered by a workers’ comp or occupational accident policy.

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; HIPPA endorsement

Summer Camp Providers

Sole proprietor/LLC – see Self-Employed/Sole Proprietorship requirements

*Sole proprietors only require a workers’ compensation policy when they have 1 full time or 3 part-time employees. The owner of a sole proprietor is not considered an employee of the business. State of Michigan Employer Insurance Requirements

 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
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 

OU Administrative Policies and Procedures

371 Wilson Blvd.
Suite 4000
Rochester, MI 48309-4482
(location map)
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