RD1.3 PROJECT ACTIVITY RISK LEVELS AND ASSOCIATED INSURANCE REQUIREMENTS

(see [I]:4.6.5)

ACTIVITY RISK LEVEL INSURANCE COVERAGE REQUIREMENTS BY INSURANCE TYPE
General Liability Automobile Workers' Compensation Builder's Risk Property¹
Aggregate Per Occurrence Products Personal Injury and Advertising Injury
Major Construction - Highest Risk:
· All Long Form contracts
· New buildings for human occupancy
· Major building renovations 		$5 million²$3 million²$5 million²$1 million²$1 millionRequiredRequired
Construction - High Risk:
· Elevators
· Welding and torch
cutting
· Installation of
high-tech equipment
· Bleachers and seating
· Kitchen or
laboratory work
· High-voltage
electrical work
· Boilers and steam
generators
· Underground
work
· Power lines
and poles
· Demolition
· Hazardous substances
(PCBs, etc.)
· Heavy construction
equipment
· Interior remodeling
in high-risk area
 $5 million²$3 million² $5 million²$1 million²$1 millionRequiredRequired
Construction - Moderate Risk:
·Painting, major
·Roofing, minor
·Concrete, major or in high-traffic area
·Structural repairs
·Alarm systems, fire and security
·Heating,
ventilation, and air-conditioning systems
·Trailer renovation
·Flooring 		$3 million²$1 million²$1 million$1 million$1 millionRequiredRequired
Construction - Low Risk:
·Signs, no welding
·Interior remodeling,
nonstructural,
no special risks
·Blinds, drapes, film
·Furniture repair
·Glass
·Concrete, minor
·Pavement sealing
·Moving, no leased
or high-tech equipment
·Fencing
·Landscaping,
no excavation
or electrical work 		$1 million²$500,000²Required²Required²$1 millionRequiredNot used

  1. Builder's risk property insurance is required on all Long Form contracts, regardless of value, and on Brief Form contracts valued at over $200,000.

  2. Coverage requirement is determined in consultation with Facility's risk management office.

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