Introduction

This chapter is intended to offer a comprehensive explanation of insurance coverages and insurance requirements for Transportation Providers (TPs), as well as state operated vehicles. For questions regarding insurance coverage or requirements, the Regional Transportation Office (RTO) should be contacted for clarification. The insurance information in this manual is meant to be used as a guide only. For the most current information on insurance and risk management, refer to the DHS Risk Management Manual (Manual MAN1430) at pamms.dhs.state.ga.us.

Certificate of Insurance

Transportation Providers (TPs) and other applicable vendors must procure and maintain insurance which must protect the contractor and the State from any claims for bodily injury, property damage, or personal injury which may arise out of operations under the agreement. TPs shall procure the insurance policies at their own expense and shall furnish the State with an insurance certificate listing the State as the certificate holder.[1] Certificates of Insurance must document that the liability insurance coverage purchased by the TP includes contractual liability coverage to protect the State. The certificate shall be furnished to the Regional Transportation Office (RTO) no later than ten (10) business days after notification of the State’s intent to award a contract. In addition, the insurance certificate must provide the following information:

  1. Name and address of authorized agent

  2. Name and address of insured

  3. Name of insurance company (licensed to operate in Georgia)

  4. Description of coverage in standard terminology

  5. Policy period

  6. Limits of liability

  7. Name and address of certificate holder

  8. Acknowledgment of notice of cancellation to the state

  9. Signature of authorized agent

  10. Telephone number of authorized agent

  11. Details of policy exclusions in comments section of insurance certificate Refer to Exhibit 26 – Sample Certificate of Insurance for a sample.

1. Certificates of insurance from prime contractors need to show DHS as a certificate holder, and certificates of insurance from subcontractors need to show the prime contractor as the certificate holder.