常见问题
什么是保险凭证?
It's evidence of insurance - proof of a contractor's financial ability to pay for a loss caused by the contractor's negligence. 没有保险福利提供给证书持有人.
什么时候需要证书??
They're needed when another party performs services on our behalf, 我们的财产交由他们保管吗, 监护权, 和控制, 和/或控制或指导我们的员工. The dollar amount of a contract may not reflect the actual risk. 例如, some small-dollar contracts or purchase orders (such as pyrotechnic displays or transportation contracts) are high-risk exposures.
如果我不确定是否需要证书怎么办?
问:什么可能出错? 出问题的可能性有多大? 如果出了问题,要花多少钱? Who should pay for the loss if the contractor does something wrong?
我应该申请什么类型的保险?
Most contracts and purchase orders require commercial general liability, 汽车责任, 还有工伤保险. Depending on the exposures, other types of coverage may also be required. 请参阅“保险规定核对表”
What amounts of limits should be requested from the contractor?
请参阅“最低保险限额指引”
Are lower limits permitted for small contractors or artisans who are performing small jobs for us?
No. 我们想从这些人那里得到限制, since they may not have the assets to indemnify us in the case of a serious, 保额不足损失.
If a contractor's insurance does not meet our insurance requirements, should we alter the requirements to fit the contractor's insurance?
No. This language has been carefully worded to afford us as much protection as legally possible. 改变措辞会削弱我们的地位. If the contractor is unable to comply with the limits requested, 请联系风险管理办公室寻求指导.
Should I always ask for TSU to be named as an "additional insured"?
Additional insured means that TSU will be named as an "insured" on the contractor's insurance policy. If the contractor is negligent and a claim is filed against us, 承包商的保险公司为我们进行索赔辩护. 被保险人可以额外缴纳保险费,也可以不缴纳保险费. We can only be named as additional insured on general liability and 汽车责任 policies. TSU should always be named as the certificate holder and the additional insured.
What if we don't have the certificate when the contractor starts the work?
There are no good choices when this happens (and it's why the insurance specifications should be given to the contractor early). 要么我们必须推迟这项工作, or we must "self insure" the contractor until we receive and accept the certificate. (Don't forget that we self-insure the first $100,000 of any liability loss. 所以如果承包商没有保险, and a claim is filed against us because of the contractor's negligence, 托大必须支付前100美元,000美元的索赔.)