Official State of Rhode Island website

State of Rhode Island Office of Accounts and Control Department of Administration

Insurance Requirement Assessment Tool

Please use the full name of the agency. 

No further steps required for budgets under $30,000.

Automobile
Will the vendor’s staff or volunteers be conducting site visits and or be transporting a population under the services procured by the State?

Recommend minimum of $1,000,000 each occurrence combined single limit.

No minimum recommended.

General Liability

Minimum of combined single limit of $1,000,000 per occurrence, $1,000,000 general aggregate and $1,000,000 products/completed operations aggregate.

Workers’ Comp.

Minimum: $100,000 each accident, $100,000 disease or policy limit and $100,000 each employee.

Exemptions include: Sole proprietors, partners, and independent contractors. Certain real estate, agricultural and domestic service employees may be exempt. Please provide proof of coverage or how you qualify under the aforementioned exemption categories.

Crime
Will the vendor have access to funds or investments of any kind entrusted to or owned by the State?

This question is for vendors who will oversee payments or client funds.

Have minimum combined limits of not less than $500,000 per occurrence; however, in no instance shall the combined limits be less than fifty per cent (50%) of the value of the Contract or based on the amount of funds that may be diverted, whichever is greater. 

Name State as loss payee based on ISO CR20141010 or the equivalent.

Does not contain a condition requiring an arrest.

 

No minimum recommended. 

Professional Liability
Is the vendor providing professional services including but not limited to: Architecture, Health-Related, Technological, Marketing/Public Relations, Accounting, Legal, Consultants, and Social Workers?

Minimum: $2,000,000 per occurrence, $2,000,000 annual aggregate.

No minimum recommended.

PL: Medical / Provider Malpractice Coverage
Will this vendor be providing a service that requires direct patient contact?

Malpractice minimum: $1,000,000 per occurrence, $3,000,000 annual aggregate. 

No minimum recommended.

Environmental / Pollution
Will this vendor be managing environmental hazards or providing environmental remediation services?

Recommend minimum of $1,000,000 per occurrence and $2,000,000 aggregate.

No minimum recommended. 

Molestation and Abuse
Would the vendor’s staff be in a situation where physical or mental abuse to the population would be possible?

Recommend minimum of $1,000,000 per occurrence.

No minimum recommended.

Information Technology Cybersecurity / Privacy
Does the procurement involve data/information technology, hardware, software or professional services to State?

No insurance required.

Does Contract Party’s technology, hardware, software, or professional services to State have access to Confidential Information as defined in Number 5(a)?

Technology Errors and Omissions Coverage: Technology Errors and Omissions Insurance covering any damages caused by any error, omission, wrongful act or breach of Contract by Contract Party. Coverage to include, but not be limited to: product failure, security failure, professional liability, intellectual property infringement and personal injury if limited or uninsured under commercial general liability insurance. Combined single limit per occurrence shall not be less than $5,000,000. Annual aggregate shall not be less than $5,000,000.

Information Technology/Cyber Privacy: Errors and Omission Insurance covering damages to Insured Parties caused by any error, omission, wrongful act or breach of Contract in performance of contracted professional services by Contractor. Such insurance to have minimum limits of $5,000,000 per occurrence and $5,000,000 annual aggregate.

Does Contract Party provide key back office services?

$10,000,000 per occurrence and $10,000,000 annual aggregate

Previous limit remains

Does Contract Party have access to Protected Health Information as defined in HIPAA and its implementing regulations, Personal Information as defined in in R.I. Gen. Laws § 11-49.3-1, et seq., or as otherwise defined in the Contract (together Confidential Information”), Co response expense per occurrence; but no less than $5,000,000 per occurrence, per annual aggregate?

Contract Party shall have as a minimum the per occurrence, per annual aggregate, the total rounded product of projected number of persons data multiplied by $25 per person breach but no less than $5,000,000 per occurrence, per annual aggregate.

 

Previous limit remains

Does contract party provides or has access to mission critical services, network architecture and/or the totality of confidential data?

$20,000,000 per occurrence and in the annual aggregate.

Previous limit remains