Certificates of Insurance

Hartwick College requires proof of insurance coverage from businesses that work for us or use campus facilities. The College should be added as an “additional insured” on the vendor’s insurance for the effective dates.

Hartwick College Instructions for Insurance:

Hartwick College’s minimum requirements for insurance from contractors and vendors performing work on campus are listed below. Contractors are required to provide the College with a certificate of insurance that will be in effect throughout the duration of the project, unless specified otherwise. Contractors are responsible for subcontractors meeting the same minimum requirements, and providing evidence of such subcontractor coverage at the College’s request.

Liability Insurance and Workers Compensation

Workers Compensation: New York State statutory limits

General Liability (includes premises-operation, independent contractors’ protection, products and completed operations, broad form property damage):

  • Bodily Injury: $1,000,000 each occurrence / $2,000,000 aggregate
  • Property Damage: $1,000,000 each occurrence / $2,000,000 aggregate
    Products and completed operations insurance shall be maintained for a minimum period of 3 years after final payment and the Contractor shall continue to provide evidence of such coverage to the College on an annual basis during the aforementioned period.
    Property damage liability insurance shall include coverage for explosion, collapse, and underground hazards.

Contractual Liability / Hold Harmless coverage:

  • Bodily injury: $1,000,000 each occurrence / $2,000,000 aggregate
  • Property Damage: $1,000,000 each occurrence / $2,000,000 aggregate
  • Personal Injury Insurance (with employment exclusion deleted, if applicable): $1,000,000 aggregate
  • If the General Liability policy includes a General Aggregate, such General Aggregate shall not be less than $2,000,000

Umbrella Excess Liability: $5,000,000 over primary insurance

Automobile Liability (owned, non-owned, and hired): Combined single limit $1,000,000 per occurrence

Aircraft Liability (owned and not owned): Bodily Injury: $1,000,000 each person/ $2,000,000 each accident

Watercraft Liability (owned and not owned):

  • Bodily Injury: $1,000,000 each person / $2,000,000 each accident

State Disability Benefits: State statutory limits

Property Insurance
The Contractor shall provide insurance coverage for portions of the work stored off-site, in transit, and stored on the site but not incorporated into the work at the full replacement cost without voluntary deductible.

Appropriate documentation and certification of current, applicable insurance coverage must be provided to Hartwick College, 1 Hartwick Drive, Oneonta NY 13820 prior to commencement of work under the contract or agreement. Contractors performing facilities related work, unless otherwise specified, should submit documentation to Facilities Services. All other vendors and service contractors should submit documentation to Risk Management.