Subcontractor & Vendor
Ins. Requirements

MAC Construction Group has provided below our basic insurance requirements for all Subcontractor and Vendors that is required for all contracted work, if you have any questions with respect to coverages noted below please reach out for clarification.

Commercial General Liability

Combined Bodily Injury and Property Damage Liability
General Aggregate Limit(Other than Products – Completed Operations) $2,000,000.
Products – Completed Operations Aggregate Limit $2,000,000.
Personal and Advertising Limit $1,000,000.
Each Occurrence Limit $1,000,000.

The Below Noted Coverages are Standard Coverages Provided Under a Commercial General Liability Policy. If your General Liability Policy Does Not Include These, These Must be Added by Endorsement.

Endorsements
Blanket Contractual Liability for Work Performed by Subcontractors/Vendors.
Explosion, Collapse, and Underground.
Broad Form Property Damage (Including Completed Operations).
Personal Injury Liability (Contractual Exclusion Deleted).

Certificates of Insurance Shall State that it is Primary and Non-Contributory with Any Insurance Maintained by Contractor and Owner, Their Subsidiaries, Directors, Officers, Employees, and Agents.

Required General Liability Endorsements

Contractor and Owner, Their Subsidiaries, Directors, Officers, Employees, and Agents Shall be Included as Additional Insureds for Ongoing Operations (Form CG 20 10) and for Completed Operations (Form CG 20 37).

Per Project Aggregate.
Waiver of Subrogation.
Primary and Non-Contributory.
General Aggregate Limit Per Project.
Business Auto Policy
Combined Bodily Injury and Property Damage Liability
Combined Single Limit: $1,000,000 Per Accident.

Liability Coverage for the Following Must be Included: Any Automobile OR Owned, Non-Owned and Hired Automobiles.

Additional Insured: Endorsement included in favor of Contractor and Owner

Workers’ Compensation and Employer’s Liability
Employers Liability Coverage $500,000 Each Accident

Waiver of Subrogation Endorsement included in favor of Contractor and Owner

Excess/Umbrella Policy
$1,000,000 Each Occurrence/$1,000,000 Aggregate Excess of the Employer’s Liability
Commercial General Liability and Automobile Liability.

Contractor and Owner shall be Included as Additional Insureds Including Completed Operations.

Certificates of Insurance

Subcontractor/Vendor Shall Furnish an Original Certificate of Insurance to Show that the Insurance Specified in this Contract is in Force, Stating Policy Numbers, Dates of Expiration, Limits of Liability and Coverages Thereunder, the Name of the Project, or “Any and All Operations” if Working on More than One Project for Contractor.

Waiver of Subrogation

Contractor and Subcontractor/Vendor Waive All Rights Against

Each Other and Any of their Vendors, Agents and Employees, Each of the Other.
The Owner, the Architect, the Architect’s Consultants, Separate Contractors, and Any of their Subcontractors/Vendors, Sub- subcontractors, Agents and Employees for Damages Caused by Fire or Other Perils to the Extent Covered by Property Insurance provided under the Prime Contract or Other Property Insurance Applicable to the Work, Except Such Rights as They May Have to Proceeds of Such Insurance Held by the Owner as Fiduciary.

Subcontractor/Vendor Shall Require of Subcontractor/Vendor Agents and Employees, by Appropriate Agreements, Written Where Legally Required for Validity, Similar Waivers in Favor of Other Parties Enumerated herein. A waiver of Subrogation Shall be Effective as to a Person or Entity Even Though that Person or Entity Would Otherwise Have a Duty of Indemnification, Contractual or Otherwise, Did Not Pay the Insurance Premium Directly or Indirectly, and Whether or Not the person or Entity Had an Insurable Interest in the Property Damaged