Certificate of Insurance

The Town of Windsor requires a Certificate of Insurance (COI) from contractors and vendors providing services to the Town.  It also has certain minimum insurance requirements for the contractors, vendors and events and use of Town property.

Contractors and vendors must furnish Certificates of Insurance to the Office of Risk Management, which handles the request for certificates of insurance.

See below for minimum limits required by the Town. They are as follows:

 

Note to Outside Groups/Vendors Working at Town and BOE of Windsor Facilities:

The Town of Windsor requires liability insurance for vendors working at Town of Windsor facilities.  The Town of Windsor must be listed as “additional insured.”  Proof of the coverage must be provided to the Town of Windsor Risk Management office by no later than ten business days prior to the event or use.

Commercial General Liability

Each Occurrence $1,000,000
Personal/Advertising Injury Per Occurrence $1,000,000
General Aggregate $2,000,000
Product/Completed Operations Aggregate $2,000,000
Fire Damage Legal Liability $100,000

 

Contact the Windsor Risk Management department for more information, at 860-285-1851.

 

Note to Vendors Providing Goods/Services to the Town and BOE of Windsor:

All vendors supplying goods or services to Windsor are required to provide verification of insurance coverage.  Proof of the coverage must be provided to the Town of Windsor Risk Management office by no later than ten business days prior to the event or use.

Commercial General Liability

Each Occurrence $1,000,000
Personal/Advertising Injury Per Occurrence $1,000,000
General Aggregate $2,000,000
Product/Completed Operations Aggregate $2,000,000
Fire Damage Legal Liability $100,000

 

Notes:
** Town of Windsor is to be listed as additional insured.
**Include Explosion, Collapse & Underground coverage for construction projects.

 

Automobile Liability

Each Accident $1,000,000
Hired/Non-owned Auto Liability $1,000,000

 

Excess (Umbrella) Liability

The requirement that an excess (umbrella) policy be provided will depend on a case-by-case evaluation of the scope and severity potential of the product/service.  Your exposure to catastrophic loss arising from the work or service being performed will determine the limit required.   Please contact the Risk Manager at 860-285-1851.

 

Workers’ Compensation/Employers Liability

Workers’ Compensation Employers Liability Statutory Requirement set forth by State of CT
Each Accident $100,000
Disease-Policy Limit $500,000
Disease-Each employee $100,000

 

Professional Liability

(for consultants, engineers, and other individuals/businesses providing professional services)

Each Claim $1,000,000

 

Information needed for a certificate of Insurance or Evidence of Insurance from the Town

At times, some of you will need a certificate of insurance (COI) or evidence of insurance. Certificates of Insurance and evidence of insurance is not generated from the Risk Manager’s office. It must be requested by the Risk Manager from the town’s Broker and their staff then puts together the information requested and sends it back to the Risk Manager’s office and to the requesting agency.

To assist you, the following is the information needed in order to fulfill a request:

  • Grant or contract number, or some identifying title
  • Name of requesting agency or vendor
  • Address of requesting agency
  • Telephone number, fax number of requesting agency
  • Name of contact
  • Specific coverages being requested (most times it is general liability, workers comp, property, auto).

Once the COI has been issued, it is automatically sent to the requesting agency and to the Risk Manager’s office. It will then be sent to the individual requesting it so it can be attached to their application. Generally it takes a day or two for the request to be made and fulfilled. Please allow enough time for the request to be made, reviewed and submitted.

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