Vendor Insurance Requirements

All providers of services and/or products wishing to contract with the University of Miami are required to maintain appropriate insurance coverages and limits as outlined below.

The following represents the University’s basic insurance requirements.  Additional coverage/limits may be required for special services or activities.

Note:  Vendors are not required to carry all the policies listed below, only those which apply based on the scope of work.

Comprehensive General Liability
Limits:  $1,000,000 per occurrence/$2,000,000 aggregate to include:
*Bodily Injury Coverage                                 
*Contractual Liability                           
*Products & Completed Operations   
*Personal Injury Coverage
*Independent Contractors

Sexual Misconduct
Where applicable, Limit: $1,000,000 per occurrence/$3,000,000 aggregate

Liquor Liability
Where applicable, as a standalone policy or may be included in the Comprehensive General Liability Policy

Workers’ Compensation
Statutory limits set by the State of Florida as applicable:
*Longshore Harbor Workers’ Compensation Act
*Jones Act

Automobile Liability
Where applicable, Limits: $1,000,000 per occurrence/aggregate
Policy Requirements:
*Bodily Injury/Property Damage                               
*Owned and non-owned vehicles

Professional Liability
Where applicable, Professional liability (medical/health): $1,000,000 per occurrence/$3,000,000 per occurrence
All other professional liability:  $1,000,000 per occurrence/$1,000,000 aggregate

Cyber Liability
Where applicable, $5,000,000 aggregate

A Certificate of Insurance must be submitted to the office of Risk Management at least (2) two weeks prior to the execution of any contract or purchase order.

Additional Insured Endorsement
(The following must be shown on the certificate):

The University of Miami, a non-profit corporation, is named an additional insured with respect to general liability coverage.

Remit to the following address:

(Certificate Holder)
University of Miami
Risk Management
PO Box 248106
Coral Gables, FL 33124-2945

If you have any questions, please do not hesitate to contact Risk Management at (305) 284-3163.  Our fax number is (305) 284-3405.  You may also send an email to