附件C -活动或服务保险覆盖要求-公开大学行政政策和程序-365英国上市官网-365英国上市官网

附录C:活动或服务保险承保要求
密歇根大学自我保险公司(M.U.S.I.C.) Updated: September 2023 recommendations from M.U.S.I.C.
根据AM Best，建议保险公司评级为A-或更高.
如果没有列出活动或服务，请参阅 Minimum Insurance Requirement tab located on the 风险管理网站.

注:风险管理保留根据工作范围增加和/或减少保险范围/限额的权利.

Activity or Service	Insurance Coverage	限制
娱乐 & 游戏活动 i.e. 弹跳屋, 打保龄球, 扣篮坦克, 摩天轮, 充气玩具, 机械公牛, Water Craft Activities, i.e. Canoe, Kayak, Boating - Watercraft Liability required 所有活动都需要签署免责声明	Workers' Compensation & Employers' Liability	法定的限制 & Employers' Liability $1M
	Commercial General Liability	$1M per occurrence / $2M aggregate
	汽车责任	$1M
	Excess Liability (umbrella)	$5M per occurrence
	Oakland University listed as Additional Insured
Armored Truck Service	Workers' Compensation & Employers' Liability	法定的限制 & Employers' Liability $1M
	Commercial General Liability	$1M per occurrence / $2M aggregate
	错误 & 遗漏(犯罪)	$2M per occurrence / $2M aggregate
	汽车责任	$1M
	Excess Liability (umbrella)	$2M per occurrence
	Oakland University listed as Additional Insured
审计公司	Workers' Compensation & Employers' Liability	法定的限制 & Employers' Liability $1M
	Commercial General Liability	$1M per occurrence / $2M aggregate
	Professional Liability	$2M per occurrence / $2M aggregate
	汽车责任	$1M
	Excess Liability (umbrella)	$1M per occurrence
	365英国上市官网被列为除专业责任外的附加保险
银行服务	Workers' Compensation & Employers' Liability	法定的限制 & Employers' Liability $1M
	Commercial General Liability	$1M per occurrence / $2M aggregate
	Professional Liability	$5M per occurrence / $5M aggregate
	Cyber Risk Liability	$2M per occurrence / $6M aggregate
	汽车责任	$1M
	Excess Liability (umbrella)	$1M
	犯罪/Employee Dishonesty Liability	$5M per occ/$5M aggregate
	还应提供银行家保证书(犯罪/雇员不诚实可能包括银行家保证书)
	Oakland University listed as Additional Insured
特许航空 *就飞机责任而言，经验法则是每个座位至少500万至700万美元	Workers' Compensation & Employers' Liability	法定的限制 & Employers' Liability $1M
	Commercial General Liability	$1M per occurrence / $2M aggregate
	Aviation Liability*	$5M per occurrence
	汽车责任 "All owned vehicles"	$1M
	Excess Liability (umbrella)	$5M per occurrence
	Oakland University listed as Additional Insured
包租巴士，穿梭巴士，豪华巴士租赁服务，一日游巴士各部门申请包租巴士公司，巴士，豪华轿车和班车 are not on the OU Approved Vendor list, MUST: 核实公司在联邦汽车运输安全管理局(美国运输部)注册。 Has a safety rating of “Satisfactory” by FMCSA 至少500万美元的汽车责任保险. 必须提供有效的保险证明-没有例外. Oakland University listed as additional insured. 保险要求不适用于旅行身份的个人.	Workers' Compensation & Employers' Liability	法定的限制/Employers' Liability $1M* *许多司机都是合同工，而不是员工. 重要的是要知道谁为他们提供工人赔偿
	Commercial General Liability	$1M per occurrence / $2M aggregate
	汽车责任 "All owned vehicles"	$1M
	Excess Liability (umbrella)	每次500万美元或更多，取决于旅行者的数量
	Oakland University listed as Additional Insured
Clinical 研究 Studies MD DO DDS OD 药店医院诊所	Workers' Compensation & Employers' Liability	法定的限制/Employers' Liability $1M
	Commercial General Liability	$1M per occurrence / $2M aggregate
	汽车责任	$1M
	Medical Professional Liability	$1M per occurrence / $3M aggregate
	Excess Liability (umbrella)	$1M per occurrence
	Oakland University listed as Additional Insured
Clinical Affiliation Agreements 法律事务办公室批准的合作协议不要求提供保险文件证明，除非风险管理办公室特别要求.	承保范围各不相同，并在签署的协议中注明.
咨询顾问 (IT咨询服务参见IT服务需求)	Workers' Compensation & Employers' Liability	法定的限制 & Employers' Liability $1M
	Commercial General Liability	$1M per occurrence / $2M aggregate
	Professional Liability	$2M per occurrence / $2M aggregate
	汽车责任	$1M
	Excess Liability (umbrella)	$2M per occurrence
	Oakland University listed as Additional Insured
与未成年人一起工作的合同许可专业人员	Workers' Compensation & Employers' Liability	法定的限制 & Employers' Liability $1M
	Commercial General Liability	$1M per occurrence / $2M aggregate
	Professional Liability	$2M per occurrence / $2M aggregate
	性虐待 & 猥亵	$1M per occurrence / $2M aggregate
	汽车责任	$1M
	Excess Liability (umbrella)	$2M per occurrence
	Oakland University listed as Additional Insured
Custodial Services (非大学雇员永久服务提供者)	Workers' Compensation & 雇主责任，包括替代雇主背书	法定的限制 & Employers' Liability $1M
	商业一般责任/性骚扰保险	$1M per occurrence / $2M aggregate
	汽车责任	$1M
	犯罪 (stealing of 3rd party property (students)	250000美元的限制
	Excess Liability (umbrella)	$5M per occurrence
	Oakland University listed as Additional Insured
无人机，UAV, UAS (Commercial use on campus) Review OU Administrative Policies & 程序- - - - - - 676 - USE OF UNMANNED AIRCRAFT SYSTEMS AND DRONES Requirements updated: 09/2023	Workers' Compensation & Employers' Liability (if operating drone on campus)	法定的限制 & Employers' Liability $1M
	Commercial General Liability (if operating drone on campus)	$1M per occurrence / $2M aggregate
	汽车责任(所有自有车辆)(如在校园内操作无人机)	$1M
	Aviation (Drone Liability) Insurance	$1M per occurrence - minimum
	Excess Liability (umbrella)	$1M per occurrence
	Oakland University listed as Additional Insured
工程师	Workers' Compensation & Employers' Liability	法定的限制 & Employers' Liability $1M
	Commercial General Liability	$1M per occurrence / $2M aggregate
	Professional Liability	$2M per occurrence / $2M aggregate
	汽车责任	$1M
	Excess Liability (umbrella)	$2M per occurrence
	Oakland University listed as Additional Insured
食品服务 Caterers, Food Trucks, Food Vendors 特许经营食品供应商不需要证书. *独资经营者-见自雇/独资要求独资经营者只有在拥有1名全职员工或3名兼职员工的情况下才需要工人赔偿政策. 独资经营者的所有人不被视为企业的雇员. 密歇根州雇主保险要求	Workers' Compensation & Employers' Liability	法定的限制 & Employers' Liability $1M*
	Commercial General Liability	$1M per occurrence / $2M aggregate
	主办者酒类责任(如酒席承办商供应酒类)	$1M per occurrence / $2M aggregate
	汽车责任	$1M
	Excess Liability (umbrella)	$2M per occurrence for receipts less than $1,000 $5M per occurrence for receipts more than $1,000
	Oakland University listed as Additional Insured
有害物质管理及处置(少于$100,000) 石棉化学物质引领	Workers' Compensation & Employers' Liability	法定的限制 & Employers' Liability $1M
	Commercial General Liability with 污染 & 法律责任	$2M per occurrence / $5M aggregate
	汽车责任	$1M
	Excess Liability (umbrella)	$2M per occurrence
	环境 & Auto pollution endorsement for transporting & pick-up/delivery and non-owned disposal sites.
	Oakland University listed as Additional Insured
有害物质管理及处置($100,000以上) 石棉化学物质引领	Workers' Compensation & Employers' Liability	法定的限制 & Employers' Liability $1M
	Commercial General Liability & 污染 & 法律责任	$2M per occurrence / $10M aggregate
	汽车责任	$1M
	Excess Liability (umbrella)	$5M per occurrence
	环境 & Auto pollution endorsement for transporting & pick-up/delivery and non-owned disposal sites.
	Oakland University listed as Additional Insured
iCloud服务所有资讯科技项目在实施前须经大学科技服务中心审核. 指 OU管理政策#870软件法规风险管理保留根据工作范围增加和/或减少保险范围和/或限制的权利* 更新:12月. 2023	*错误 & 遗漏(技术E&O)	$1M per occurrence/$2M aggregate
	*网络责任(不接受网络保险代位求偿权的放弃)	$2M per occurrence
	Excess Liability (umbrella)	$2M
	If the vendor is performing services on campus, 他们将被要求提供以下保险:
	Workers' Compensation & Employers' Liability	$1M occurrence/$2M aggregate
	Commercial General Liability	$1M occurrence/$2M aggregate
	汽车责任	$1M
	Oakland University listed as Additional Insured
Information Technology Services 所有资讯科技项目在实施前须经大学科技服务中心审核. 指 OU管理政策#870软件法规风险管理保留根据工作范围增加和/或减少保险范围和/或限制的权利* 更新:12月. 2023	*错误 & 遗漏(技术E&O)	$1M per occurrence/$2M aggregate
	*网络责任	$2M per occurrence
	Excess Liability (umbrella)	$2M
	If the vendor is performing services on campus, 他们将被要求提供以下保险:
	Workers' Compensation & Employers' Liability	$1M occurrence/$2M aggregate
	Commercial General Liability	$1M occurrence/$2M aggregate
	汽车责任	$1M
	Oakland University listed as Additional Insured
Investment Advisory Services	Workers' Compensation & Employers' Liability	法定的限制 & Employers' Liability $1M
	Commercial General Liability	$1M per occurrence / $2M aggregate
	Professional Liability	$5M per occurrence / $5M aggregate
	Fiduciary Liability	$10M
	汽车责任	$1M
	Excess Liability (umbrella)	$1M
Maintenance Agreements 复印机打印机 Miscellaneous Maintenance Autoclave Maintenance	Workers' Compensation & Employers' Liability	法定的限制 & Employers' Liability $1M
	Commercial General Liability	$1M per occurrence / $2M aggregate
	汽车责任	$1M
	Excess Liability (umbrella)	$2M per occurrence
	Oakland University listed as Additional Insured
作为“独立承包商”或临时雇佣的医疗专业人员 MD DO DDS OD 心理学家精神病学家 Family Nurse Practitioner Athletic Trainers	Workers' Compensation & Employers' Liability	法定的限制 & Employers' Liability $1M
	Commercial General Liability	$1M per occurrence / $2M aggregate
	Medical Professional Liability	每次100万美元/合计200万美元[如果医疗专业责任政策不排除性虐待和性骚扰, 不需要另订《365英国上市官网》]
	性虐待 & 猥亵	每次100万美元/合计200万美元[见医疗专业责任项下的说明]
	汽车责任	$1M
	Excess Liability (umbrella)	$2M per occurrence
	Oakland University listed as Additional Insured
Moving/Transit Service	Workers' Compensation & Employers' Liability	法定的限制 & Employers' Liability $1M
	Commercial General Liability	$1M per occurrence / $2M aggregate
	汽车责任	$1M
	Excess Liability (umbrella)	$2M per occurrence
	内陆水运	Value of goods being transported
	Oakland University listed as Additional Insured
自雇/独资企业包括有限责任公司	公司, 有限责任公司(LLC)和合伙企业必须有工人赔偿政策或排除通知表, WC-337, on file with this Michigan Compliance & Employee Records Division. 业主被视为企业的雇员.
自雇/独资企业包括有限责任公司	独资经营者只有在拥有1名全职员工或3名兼职员工的情况下才需要工人赔偿政策. 独资经营者的所有人不被视为企业的雇员.
分解服务	Workers' Compensation & Employers' Liability	法定的限制 & Employers' Liability $1M
	Commercial General Liability	$1M per occurrence / $2M aggregate
	Professional Liability (Privacy Coverage)	$2M per occurrence / $2M aggregate
	汽车责任	$1M
	Excess Liability (umbrella)	$5M per occurrence
	Oakland University listed as Additional Insured; HIPPA endorsement
Summer Camp Providers 独资经营者/有限责任公司-参见自雇/独资要求 *独资经营者只有在拥有1名全职或3名兼职雇员时才需要工人补偿政策. 独资经营者的所有人不被视为企业的雇员. 密歇根州雇主保险要求	Workers' Compensation & Employers' Liability	法定的限制 & Employers' Liability $1M*
	Commercial General Liability	$1M per occurrence / $2M aggregate
	性虐待 & 猥亵	$1M per occurrence / $2M aggregate
	汽车责任	$1M
	Excess Liability (umbrella)	$2M per occurrence
	Oakland University listed as Additional Insured
测量师学会	Workers' Compensation & Employers' Liability	法定的限制 & Employers' Liability $1M
	Commercial General Liability	$1M per occurrence / $2M aggregate
	Professional Liability	$2M per occurrence / $2M aggregate
	汽车责任	$1M
	Excess Liability (umbrella)	$2M per occurrence
	Oakland University listed as Additional Insured
Temporary Staffing (非大学雇员永久服务提供者) -文书人员 - IT Professionals 临时医疗专业人员-参见医疗专业人员要求	Workers' Compensation & Employers' Liability	法定的限制 & Employers' Liability $1M
	Commercial General Liability	$1M per occurrence / $2M aggregate
	汽车责任	$1M
	犯罪	$250,000
	Excess Liability (umbrella)	$5M per occurrence
	Oakland University listed as Additional Insured
测试实验室	Workers' Compensation & Employers' Liability	法定的限制 & Employers' Liability $1M
	Commercial General Liability	$1M per occurrence / $2M aggregate
	Professional Liability	$2M per occurrence / $2M aggregate
	汽车责任	$1M
	Excess Liability (umbrella)	$2M per occurrence
	Oakland University listed as Additional Insured
Travel Agents (Domestic) 国际旅行预订咨询风险管理	Workers' Compensation & Employers' Liability	法定的限制 & Employers' Liability $1M
	Commercial General Liability	$1M per occurrence / $2M aggregate
	Professional Liability	$2M per occurrence / $2M aggregate
	Travel Surety Bond (如需要订金)，以确保向与旅行社合作的适当人士或业务付款的保证(例如.g. resorts, hotels, cruise lines, etc.)
	汽车责任	$1M
	Excess Liability (umbrella)	$2M per occurrence
	Oakland University listed as Additional Insured
特快洗衣服务	Workers' Compensation & Employers' Liability	法定的限制 & Employers' Liability $1M
	Commercial General Liability	$1M per occurrence / $2M aggregate
	汽车责任	$1M
	Garage Keepers Liability	$2M
	Excess Liability (umbrella)	$1M per occurrence
	Oakland University listed as Additional Insured

附录C -活动或服务保险范围要求

Activity or Service

Insurance Coverage

限制

娱乐 & 游戏活动

Armored Truck Service

审计公司

银行服务

特许航空

包租巴士，穿梭巴士，豪华巴士租赁服务，一日游巴士

Clinical 研究 Studies

Clinical Affiliation Agreements

咨询顾问

与未成年人一起工作的合同许可专业人员

Custodial Services

无人机，UAV, UAS

工程师

食品服务

有害物质管理及处置(少于$100,000)

有害物质管理及处置($100,000以上)

iCloud服务

Information Technology Services

Investment Advisory Services

Maintenance Agreements

作为“独立承包商”或临时雇佣的医疗专业人员

Moving/Transit Service

自雇/独资企业包括有限责任公司

分解服务

Summer Camp Providers

测量师学会

Temporary Staffing

测试实验室

Travel Agents (Domestic)

特快洗衣服务