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Insurance Requirements

The following are typical insurance requirements which may vary depending upon the nature of the service to be provided. A completed sample certificate of insurance (COI) can be found here

Certificate Requirements

  • Certificate: Industry-standard ACORD 25 form.
  • Certificate Holder: Lawndale Elementary School District, 4161 West 147th Street, Lawndale, CA 90260
  • Insurance Grade: Insurers with a rating at least equivalent to A.M. Best Company A:VII is required. Insurers shall be admitted in the State of California or shall be non-admitted insurers approved by the State of California. Any self-insured retentions or self-insurance must be approved by the District.
  • Additional Insured: Endorsement (equivalent to ISO form CG 20 10 or CG 20 26) naming “The Lawndale Elementary School District, its board, officers, agents, employees, and volunteers” as additionally insured on the appropriate policies. Such insurance shall be primary and any insurance maintained by the District, its board, officers, employees, agents, and volunteers shall not contribute. The additional insured language shall be included on the operations box AND as a separate attached endorsement for the applicable policies.
  • Waiver of Subrogation: Must be included as an attached endorsement for the following policies, as applicable: commercial general liability, automobile, workers’ compensation, and sexual abuse or molestation. 

Coverage Requirements

  • Commercial General Liability: Coverage equivalent in scope to ISO form CG 00 01 of $1,000,000 per occurrence / $2,000,000 aggregate. Additional insured endorsement and waiver of subrogation are required.
  • Automobile Liability: Coverage equivalent in scope to ISO form CA 00 01 of $1,000,000 per occurrence on "any auto."
  • Workers' Compensation: Statutorily required by State of California of $1,000,000. Not required if consultant/contractor has not employees. Waiver of Subrogation is required.
  • Professional Liability/Errors & Omissions: Required limits of $1,000,000 per occurrence /
    $2,000,000 aggregate if providing professional services to the district. 
  • Sexual Abuse or Molestation: Coverage of $3,000,000 per occurrence / $6,000,000 aggregate if working with students. Additional insured endorsement and waiver of subrogation are required.