Official State of Rhode Island website

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

Standard Insurance Requirements

As a part of the contract requirements, the contractor must obtain at its own cost and expense, keep in force and effect during the term of this contract, including all extensions, the minimum coverage limits specified below with a carrier satisfactory to the State. All contractors must carry the following coverage depending on the type of service or product being delivered.

These Insurance Requirements establish minimum types and limits of insurance coverage for all contracts entered into by the State, however, coverages may be increased based on the specific scope of work. Questions regarding insurance requirements for any Contract to be entered into by State should be directed to State Risk Management personnel at DOA.RiskManagement@doa.ri.gov.

For a comprehensive list of all contract minimum insurance requirements please see Addendum A of the General Conditions of Purchase.  

  1. Commercial General Liability Insurance

    Such insurance coverage is subject to a minimum combined single limit of $1,000,000 per occurrence, $1,000,000 general aggregate and $1,000,000 products/completed operations aggregate. 

  2. Automobile Liability Insurance

    Such insurance coverage is subject to a minimum combined single limit of $1,000,000 per occurrence. 

  3. Workers’ Compensation and Employers’ Liability

    Employers’ Liability with minimum limits of $100,000 each accident, $100,000 disease or policy limit and $100,000 each employee or minimum amount necessary for umbrella/excess liability policy of Contract Party. 

  4. Crime Insurance

    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. 

  1. Commercial General Liability Insurance

    Such insurance coverage is subject to a minimum combined single limit of $1,000,000 per occurrence, $1,000,000 general aggregate and $1,000,000 products/completed operations aggregate. 

  2. Automobile Liability Insurance

    Such insurance coverage is subject to a minimum combined single limit of $1,000,000 per occurrence. 

  3. Workers’ Compensation and Employers’ Liability

    Employers’ Liability with minimum limits of $100,000 each accident, $100,000 disease or policy limit and $100,000 each employee or minimum amount necessary for umbrella/excess liability policy of Contract Party. 

  4. Professional Liability Insurance

    Combined single limit per occurrence shall not be less than $2,000,000 and include an annual aggregate of not less than $2,000,000.  

  5. Crime Insurance

    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. 

  6. Environmental/Pollution Liability Insurance when past, present or future hazard is possible 

    Per occurrence limits of no less than $1,000,000 per occurrence and $2,000,000 aggregate. The policy shall include defense including costs, charges and expenses incurred in the investigation, adjustment or defense of claims for such compensatory damages. 

  7. Working with Children, Elderly or Disabled Persons-Physical Abuse and Molestation Liability Insurance

    Coverage shall be written in an amount not less than $1,000,000 per occurrence. 

  1. Commercial General Liability Insurance

    Such insurance coverage is subject to a minimum combined single limit of $1,000,000 per occurrence, $1,000,000 general aggregate and $1,000,000 products/completed operations aggregate. 

  2. Automobile Liability Insurance

    Such insurance coverage is subject to a minimum combined single limit of $1,000,000 per occurrence. 

  3. Workers’ Compensation and Employers’ Liability

    Employers’ Liability with minimum limits of $100,000 each accident, $100,000 disease or policy limit and $100,000 each employee or minimum amount necessary for umbrella/excess liability policy of Contract Party. 

  4. Technology Errors and Omissions Coverage

    Combined single limit per occurrence shall not be less than $5,000,000. Annual aggregate shall not be less than $5,000,000. 

  5. Information Technology/Cyber Privacy

    Such insurance to have minimum limits of $5,000,000 per occurrence and $5,000,000 annual aggregate. If Contract Party provides: a) key back-office services Contract Party shall have a minimum limit of $10,000,000 per occurrence and $10,000,000 annual aggregate; b) if Contract Party has access to Protected Health Information as defined in HIPAA and its implementing regulations, Personal Information as defined in R.I. Gen. Laws § 11-49.3-1, et seq., or as otherwise defined in the Contract (together Confidential Information”), 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 response expense per occurrence; but no less than $5,000,000 per occurrence, per annual aggregate; or, c) if the 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.  

  6. Crime Insurance

    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. 

  1. Commercial General Liability Insurance

    Such insurance coverage is subject to a minimum combined single limit of $1,000,000 per occurrence, $1,000,000 general aggregate and $1,000,000 products/completed operations aggregate. 

  2. Automobile Liability Insurance

    Such insurance coverage is subject to a minimum combined single limit of $1,000,000 per occurrence. 

  3. Workers’ Compensation and Employers’ Liability

    Employers’ Liability with minimum limits of $100,000 each accident, $100,000 disease or policy limit and $100,000 each employee or minimum amount necessary for umbrella/excess liability policy of Contract Party. 

  1. Commercial General Liability Insurance

    Such insurance coverage is subject to a minimum combined single limit of $1,000,000 per occurrence, $1,000,000 general aggregate and $1,000,000 products/completed operations aggregate. 

  2. Automobile Liability Insurance

    Such insurance coverage is subject to a minimum combined single limit of $1,000,000 per occurrence. 

  3. Workers’ Compensation and Employers’ Liability

    Employers’ Liability with minimum limits of $100,000 each accident, $100,000 disease or policy limit and $100,000 each employee or minimum amount necessary for umbrella/excess liability policy of Contract Party.