Accuserve Insurance Specifics

The types of Insurance required by Accuserve depend on the programs you've selected to perform. All insurance requirements specific to your organization are highlighted on your Sublynk insurance profile.

As a reminder, all official COIs must be sent to Sublynk directly by the insurance providers themselves. If you have a broker or insurance agent that you generally communicate with, please add their email in your Broker Assignments. Entering the generic email addresses for major providers may result in delayed processing.

Coverages must Include

Commercial General Liability: $2M Aggregate & $1M Each Occurrence

• Personal & Advertising Injury at $1M
• Products & Completed Operations Liability at $2M
• Primary and non-contributory coverage
• Endorsements that must be attached to the COI:
  • Additional Insured (CG2010 or equivalent)
  • Additional Insured - Completed Operations (CG2037 or equivalent)
  • Waiver of Subrogation (CG2404 or equivalent)

Contractor Pollution Liability: $1M Each Occurrence

• Endorsements that must be attached to the COI:
  • Additional Insured
  • Waiver of Subrogation

Workers' Compensation & Employers' Liability: $1M Employers Liability ($500k for Exteriors)

• Waived if the contractor has no W2 employees or is legally exempt. Attestation required.
• Workers' Compensation is required per State statutory minimum limits
• Stop Gap coverage as required in Monopolistic states (ND, OH, WA, and WY)

Auto Liability: $1M Combined Single Limit

• Coverage by endorsement for all vehicles owned, leased, rented, hired, or borrowed.
• Endorsement that must be attached to the COI:
  • Waiver of Subrogation
• If you have no company owned autos, your alternative options are:
  • Add an HNOA (hired non-owned auto) endorsemnt to your General Liability Policy or as part of Business Owner's Policy (BOP) from your General Liability insurance agent.
  • Get "Hired Autos" and "Non-Owned Autos" coverage from an auto insurance agent.
  • Purchase Unlimited Non-Owned Car Coverage (UNOC) from an auto insurance agent.

Bailees: $250,000

• Only required for off-site Contents work

All COIs should have the following:

Certificate Holder:

Accuserve Solutions, Inc.

2000 S Colorado Blvd, Suite 70

Denver, CO, 80222

Description of Operations (Interior Programs):

Certholder is an additional insured for General Liability and Pollution Liability per endorsements CG 2010 07 04 and CG 2037 07 04 (or their equivalents) on a primary / non-contributory basis. Pollution Liability definition of pollutants includes mold, microbial matter, fungus, and biological substances, and does not exclude asbestos and lead. Pollution Liability does not contain an insured vs. insured exclusion. Waiver of subrogation in favor of Accuserve Solutions, Inc. for General Liability, Contractors Pollution Liability, and Automotive Liability. Work performed by subcontractors is not excluded.

Description of Operations (Exterior Program):

Certholder is an additional insured for General Liability per endorsements CG 2010 07 04 and CG 2037 07 04 (or their equivalents)