Insurance coverage clause: Copy, customize, and use instantly
Introduction
An insurance coverage clause outlines the responsibilities of the parties involved in ensuring that appropriate insurance coverage is provided for various potential risks and liabilities. This clause is essential for protecting both the organization and the individuals involved by setting clear terms for coverage related to accidents, property damage, liability, and other unforeseen events.
Below are templates for insurance coverage clauses tailored to different scenarios. Copy, customize, and insert them into your agreement.
Standard insurance coverage clause
This version includes general insurance provisions.
[Party B] agrees to maintain, at its own expense, adequate insurance coverage for its operations, including general liability insurance, property damage, and worker's compensation insurance. [Party B] will ensure that the insurance coverage remains active throughout the term of this agreement and provides sufficient protection for all parties involved.
Insurance coverage clause with provision for specific coverage types
This version applies to specific coverage types.
[Party B] will maintain the following insurance coverage during the term of this agreement:General liability insurance, covering bodily injury and property damage.Professional liability insurance, covering errors and omissions.Workers' compensation insurance, covering any work-related injuries.
[Party B] will provide proof of coverage upon request.
Insurance coverage clause with provision for named insured parties
This version applies to named insured parties.
[Party B] will ensure that [Party A], its directors, officers, employees, and agents are named as additional insured parties under its insurance policies. This coverage will provide protection against claims arising out of [Party B]'s operations during the course of this agreement.
Insurance coverage clause with provision for minimum coverage limits
This version applies to minimum coverage limits.
[Party B] will maintain insurance coverage with a minimum coverage limit of $1,000,000 for general liability insurance, $500,000 for property damage, and statutory workers' compensation coverage. These limits will be reviewed annually and adjusted as necessary to meet regulatory requirements and ensure adequate coverage.
Insurance coverage clause with provision for obtaining additional coverage as required
This version applies to obtaining additional coverage.
[Party B] agrees to obtain additional insurance coverage, if required, based on the specific nature of off-site work, property damage risks, or special circumstances arising during the term of this agreement. The additional coverage will be agreed upon in writing by both parties and incorporated into the terms of this agreement.
Insurance coverage clause with provision for covering third-party liability
This version applies to third-party liability.
[Party B] will maintain comprehensive third-party liability insurance covering any claims arising from accidents, damages, or injuries caused to third parties during the course of [Party B]'s operations. This insurance will provide adequate protection to both [Party B] and [Party A] against third-party claims.
Insurance coverage clause with provision for employer's liability insurance
This version applies to employer's liability.
[Party B] will maintain employer's liability insurance to cover any claims arising from work-related injuries or illnesses affecting employees during the course of their employment. The policy will cover legal defense costs and any compensation claims filed by employees.
Insurance coverage clause with provision for providing proof of insurance
This version applies to proof of insurance.
[Party B] will provide [Party A] with a certificate of insurance as proof that the required insurance coverage is in place. This certificate will be provided upon the commencement of this agreement and at any time upon request by [Party A].
Insurance coverage clause with provision for ensuring insurance is in force throughout the agreement term
This version applies to maintaining continuous coverage.
[Party B] will ensure that all necessary insurance policies remain in force throughout the duration of this agreement. If at any time the coverage lapses, [Party B] will immediately notify [Party A] and take necessary actions to reinstate the coverage.
Insurance coverage clause with provision for specific exclusions
This version applies to exclusions.
[Party B]'s insurance coverage will not cover claims arising from intentional misconduct, criminal acts, or violations of law. [Party A] will not be held liable for any damages or losses resulting from such exclusions during the performance of the agreement.
Insurance coverage clause with provision for including both parties as insured
This version applies to dual insurance coverage.
[Party B] will ensure that both [Party A] and [Party B] are named as insured parties under the insurance policies, including general liability, professional liability, and workers' compensation insurance. This will ensure that both parties are adequately protected from any risks or claims.
Insurance coverage clause with provision for ensuring coverage for subcontractors
This version applies to subcontractors.
[Party B] will ensure that any subcontractors used for off-site work or other activities under this agreement are covered by the same insurance policies as [Party B]. Proof of subcontractor coverage will be provided upon request, and [Party B] will remain responsible for ensuring subcontractor compliance.
Insurance coverage clause with provision for notifying [Party A] of policy changes
This version applies to notifying of policy changes.
[Party B] will notify [Party A] within ten (10) business days of any changes to its insurance coverage, including renewals, modifications, or cancellations of policies. This will ensure that [Party A] is always aware of the insurance status related to the scope of the agreement.
Insurance coverage clause with provision for deductibles and self-insured retentions
This version applies to deductibles and retentions.
[Party B] will be responsible for any deductible or self-insured retention amounts that apply to the insurance policies. [Party B] will ensure that these amounts do not exceed the amounts specified in this agreement and will cover any claims or damages not covered by insurance.
Insurance coverage clause with provision for third-party insurance verification
This version applies to third-party verification.
[Party B] agrees to allow [Party A] to verify that [Party B] has the required insurance coverage by consulting with [Party B]'s insurance provider or reviewing the relevant insurance documents. [Party B] will cooperate with this verification process to confirm compliance.
Insurance coverage clause with provision for business interruption insurance
This version applies to business interruption insurance.
[Party B] will maintain business interruption insurance to cover any loss of revenue or operational disruption caused by unexpected events such as accidents, property damage, or other incidents that may prevent [Party B] from fulfilling its obligations under this agreement.
Insurance coverage clause with provision for comprehensive auto liability insurance
This version applies to auto liability insurance.
[Party B] will maintain comprehensive auto liability insurance covering any claims arising from the use of vehicles while performing off-site work. This insurance will cover bodily injury, property damage, and any other related liabilities resulting from vehicle operations during the course of the agreement.
Insurance coverage clause with provision for cybersecurity insurance
This version applies to cybersecurity insurance.
[Party B] will maintain cybersecurity insurance to protect against any claims arising from data breaches, cyberattacks, or unauthorized access to company systems and customer data. This insurance will cover legal fees, fines, and damages associated with such events.
Insurance coverage clause with provision for ensuring insurance coverage for equipment
This version applies to equipment insurance.
[Party B] will maintain insurance coverage for all equipment used in the performance of the agreement. This includes coverage for accidental damage, theft, or loss of equipment during use, transportation, or storage while performing off-site work.
Insurance coverage clause with provision for allowing [Party A] to request additional coverage
This version applies to additional coverage.
[Party A] may request that [Party B] obtain additional insurance coverage if the scope of work or potential risks change during the term of the agreement. Both parties will negotiate in good faith to determine any necessary adjustments to the insurance coverage.
Insurance coverage clause with provision for long-term liability insurance
This version applies to long-term liability coverage.
[Party B] will maintain long-term liability insurance for a period of five (5) years following the termination of this agreement. This coverage will protect [Party A] from any claims related to [Party B]'s activities during the term of the agreement.
Insurance coverage clause with provision for claims reporting
This version applies to claims reporting.
[Party B] will immediately notify [Party A] of any claims made under its insurance policies related to the performance of this agreement. [Party B] will cooperate with [Party A] in providing necessary documentation and support for claim investigations.
Insurance coverage clause with provision for ensuring compliance with insurance requirements
This version applies to compliance with insurance requirements.
[Party B] will ensure that it maintains adequate insurance coverage at all times in compliance with the requirements set forth in this agreement. Failure to maintain the required insurance coverage will result in immediate termination of this agreement unless a suitable replacement policy is provided.
Insurance coverage clause with provision for coordinating with [Party A]'s insurance
This version applies to coordination with [Party A]'s insurance.
[Party B] will coordinate its insurance coverage with that of [Party A] to ensure that there are no gaps in coverage. In the event of an incident, both parties will work together to determine the primary insurance policy responsible for covering the claim.
Insurance coverage clause with provision for coverage for damages caused by subcontractors
This version applies to subcontractor coverage.
[Party B] will ensure that all subcontractors engaged in the performance of this agreement are covered under [Party B]'s general liability insurance. This coverage will protect against damages or liabilities arising from the actions or negligence of subcontractors while working under this agreement.
Insurance coverage clause with provision for international insurance coverage
This version applies to international coverage.
[Party B] will maintain insurance coverage that applies to all off-site work performed internationally, ensuring compliance with local laws and regulations in the relevant countries. This includes coverage for any property damage, liability, or injuries that may occur while employees are working abroad.
Insurance coverage clause with provision for workers' compensation insurance
This version applies to workers' compensation insurance.
[Party B] will provide workers' compensation insurance for all employees engaged in off-site work, ensuring that all medical expenses, rehabilitation, and lost wages are covered in case of work-related injuries or illnesses. This coverage will comply with all applicable state and federal laws.
Insurance coverage clause with provision for protection against environmental liabilities
This version applies to environmental liability.
[Party B] will maintain insurance coverage that protects against environmental liabilities, including the release of hazardous substances, pollution, or contamination caused by off-site work activities. This coverage will cover cleanup costs, legal fees, and damages related to environmental incidents.
Insurance coverage clause with provision for business property insurance
This version applies to business property insurance.
[Party B] will ensure that business property used for off-site work, including tools, machinery, and materials, is covered by adequate property insurance. This coverage will protect against theft, damage, or loss of property while being transported to or used at off-site locations.
Insurance coverage clause with provision for insurance during transport of goods
This version applies to goods transport.
[Party B] will maintain insurance coverage for goods and materials while being transported to and from off-site locations. This coverage will protect against damage, theft, or loss of property during transit, ensuring the safe delivery of goods to the relevant work site.
Insurance coverage clause with provision for cyber insurance
This version applies to cyber insurance.
[Party B] will maintain cyber insurance to protect against data breaches, hacking incidents, and unauthorized access to company systems while performing off-site work. The insurance will cover both the costs of resolving cyber incidents and the potential legal liabilities arising from a breach of data security.
Insurance coverage clause with provision for professional indemnity insurance
This version applies to professional indemnity insurance.
[Party B] will provide professional indemnity insurance to cover claims arising from errors or omissions in the professional services rendered during off-site work. This insurance will protect both [Party B] and [Party A] from liabilities related to negligence, failure to perform, or mistakes in judgment.
Insurance coverage clause with provision for disaster recovery insurance
This version applies to disaster recovery insurance.
[Party B] will ensure that adequate disaster recovery insurance is in place to cover any losses due to natural disasters, such as floods, earthquakes, or fires, that may occur while performing off-site work. The coverage will include business interruption costs, property damage, and equipment losses.
Insurance coverage clause with provision for health insurance coverage for off-site workers
This version applies to health insurance coverage.
[Party B] will provide health insurance coverage to employees working off-site, ensuring that they have access to medical care in case of illness or injury. Coverage will include emergency medical services and routine healthcare needs while employees are away from the main office.
Insurance coverage clause with provision for business continuity insurance
This version applies to business continuity.
[Party B] will ensure that business continuity insurance is maintained to cover potential losses resulting from interruptions in off-site work. This insurance will cover revenue losses, additional operating costs, and any other expenses incurred as a result of unforeseen events disrupting work operations.
Insurance coverage clause with provision for insurance during construction work
This version applies to construction work.
[Party B] will maintain specific construction insurance for any off-site work that involves building, renovation, or modification of structures. This insurance will cover damage to property, third-party liability, and injury during the construction process, ensuring compliance with industry safety standards.
Insurance coverage clause with provision for liability insurance for equipment used off-site
This version applies to equipment liability insurance.
[Party B] will ensure that all equipment used for off-site work is covered by liability insurance. This will protect against any accidents or damages caused by equipment failures, malfunctions, or improper use during the course of the work, ensuring safety and compliance.
Insurance coverage clause with provision for umbrella liability insurance
This version applies to umbrella liability insurance.
[Party B] will maintain umbrella liability insurance that provides additional coverage above and beyond the limits of existing insurance policies. This coverage will apply to any claims or damages arising from off-site work that exceed the limits of general liability or other primary insurance policies.
Insurance coverage clause with provision for ensuring insurance for vehicles used for off-site work
This version applies to vehicle insurance.
[Party B] will ensure that any vehicles used for off-site work, including employee-owned vehicles used for business purposes, are covered by appropriate vehicle insurance. The coverage will protect against accidents, property damage, and injury while vehicles are being used for work-related activities.
Insurance coverage clause with provision for liability coverage for temporary workers
This version applies to temporary workers.
[Party B] will ensure that temporary workers engaged in off-site work are covered under [Party B]'s liability insurance policies. This coverage will include protection against any injuries, damages, or accidents that may occur while temporary workers are performing work on behalf of [Party B].
Insurance coverage clause with provision for protecting intellectual property during off-site work
This version applies to intellectual property protection.
[Party B] will maintain insurance coverage to protect intellectual property, such as patents, trademarks, and trade secrets, during off-site work. This will ensure that any IP-related losses or damages during the course of off-site work are covered by insurance.
Insurance coverage clause with provision for protecting against third-party claims for negligence
This version applies to negligence claims.
[Party B] will ensure that the insurance policies in place include coverage for third-party claims arising from negligence during off-site work. This will protect both parties from liabilities related to accidents, errors, or omissions that affect third parties during the performance of duties.
Insurance coverage clause with provision for product liability insurance for off-site work
This version applies to product liability insurance.
[Party B] will maintain product liability insurance to cover any risks associated with the manufacture, use, or distribution of products related to off-site work. This will cover damages, defects, or injury caused by any product provided or used during the course of off-site assignments.
Insurance coverage clause with provision for ensuring timely payment of insurance premiums
This version applies to premium payments.
[Party B] will ensure that all premiums for insurance policies covering off-site work are paid on time and in full. [Party B] will provide proof of premium payments upon request to demonstrate compliance with the insurance requirements of this agreement.
This article contains general legal information and does not contain legal advice. Cobrief is not a law firm or a substitute for an attorney or law firm. The law is complex and changes often. For legal advice, please ask a lawyer.