(A) The contractor shall purchase and maintain such insurance as will protect him or her from claims set forth below which may arise out of or result from the contractor’s operations, whether such operations be by himself or herself or by a subcontractor or by anyone directly or indirectly employed by any of them, or by anyone for whose acts any of them may be liable.
(B) (1) (a) The contractor shall maintain such general liability insurance as shall protect him or her against claims for damages from:
1. Bodily injury, including wrongful death; and
2. Property damage, which may arise from operations by himself or herself or by any subcontractor or anyone directly or indirectly employed by either of them.
(b) The minimum acceptable limits are $1,000,000 combined single limit per occurrence, and $1,000,000 single limit aggregate.
(2) The general liability insurance required by the division (B)(1) above shall include the following extensions of coverage.
(a) The coverage shall be provided under a standard ISO comprehensive general liability, occurrence form of policy.
(b) X.C.U. coverage - If the contract requires any work procedures involving blasting, excavating, tunneling or other underground work, the liability coverage shall include standard blasting or explosion coverage, standard collapse coverage and standard underground coverage, commonly referred to a XCU property liability coverage.
(c) Contractual liability coverage shall be included.
(d) Protective liability coverage shall be included to protect the contractor against claims arising out of operations arising by his or her subcontractors.
(e) Products and completed operations liability coverage shall be included.
(f) Personal injury liability coverage.
(3) (a) The contractor shall take out and maintain such automobile liability insurance as shall protect against claims for damages from:
1. Bodily injury, including wrongful death; and
2. Property damage, which may arise from the operations of any owned, hired or non-owned automobiles used by or for him or her in any capacity in connection with work being performed.
(b) The minimum liability limits are $1,000,000 combined single limit each occurrence for bodily injury and property damage.
(4) The contractor shall take out and maintain the applicable statutory workers’ compensation insurance with a carrier authorized to write such insurance and in the applicable state covering all of his or her employees. In the case of any work sublet, the contractor shall require the subcontractor similarly to provide statutory workers’ compensation insurance for the latter’s employees. The contractor shall take out and maintain employer’s liability insurance with limits of $100,000 bodily injury for each accident, $100,000 bodily injury for each employee by disease and $500,000 policy limit by disease.
(5) The required limits of liability shown above may be satisfied in a single underlying or “primary” policy or in combination with “umbrella” or “excess” liability insurance policies so long as there is sufficient coverage in the aggregate to meet the required minimums.