风险管理

In order to protect the interests of the University and the Trustees of 电子游戏软件, certain minimum insurance limits should be required of, 由, 所有承租人, 承包商, 供应商, and other persons or organizations who use or provide service to the University.  请注意, 供应商/Contractor requirements may vary depending on contract and services performed and the 供应商/Contractor should look to the contract for actual requirements.  These guidelines are for the majority of contracts but are by no means exhaustive or complete for all projects.

These minimum requirements are used to safeguard the institution and to protect the financial interests of the University should a loss occur on 电子游戏软件 grounds through no fault of the school but caused by a Contractor, 供应商 or other entity using the schools' facilities.

The purpose of this is to obtain assurance that the Contractor, 供应商 or other party will have the financial capacity (insurance funds) to back up the promise and/or commitments made in the Hold Harmless and Indemnification Agreements.

像这样, 所有的供应商, contractors and other parties using the University’s facilities shall, at their own expense, procure and maintain current policies of insurance that protect its own interests and the interests of the Trustees of 电子游戏软件, 其军官, Directors and Employees, 等. against all liabilities, 损失, 损害赔偿, 索赔, settlements and expenses (including court costs and attorney fees) arising out of or resulting from their actions.

The following are minimum standards that must be provided: 

• Workers' Compensation and Employers Liability Insurance (WC & EL) for its own employees that meet statutory limits; Employers Liability Insurance to cover bodily injury 索赔 up to $1,000,000 /人, 每个索赔. Further, policies must provide a Waiver of Subrogation in favor of Trustees of 电子游戏软件, 等.
• Comprehensive General Liability Insurance for personal/bodily injury (including death) and property damage 索赔 up to $1,000,000 per occurrence/$2,000,000年总.
• Comprehensive Automobile Liability Insurance (including coverage for all owned, non-owned, and hired vehicles) with a combined single limit of $1,000,每宗事故000 000美元.
• Umbrella Excess Liability Insurance to cover all liability 风险s (Except Workers' Compensation), including defense costs, in the amount of $5,000,000 that must follow form of underlying Employers, General and Automobile Liability Insurance policies.

如果适用:

• Sexual Abuse/Molestation Coverage to provide coverage for allegations of "wrongful acts" or negligence should an injury occur as a result of sexual abuse, including 索赔 alleging wrongful acts with respect to: negligent employment, 保留, 监督, 调查, reporting and failing to protect someone from sexual abuse in the amount of $1MM. This coverage can be included in General Liability policy but must state so on certificate.

• Professional Liability/Errors & Omissions Liability Insurance for professional exposures not covered by a General Liability Policy in an amount of $1,000,000.

• Cyber Liability Insurance for exposures due to Data Breach, phishing, intrusion, etc. in the amount of $1,000,000.

供应商, Contractor and any other Subcontractor or other Organization shall confirm "the insurance identified above is to be pri玛丽 and non-contributory to any other insurance" and include “Trustees of 电子游戏软件, 他们的军官, Directors and Employees” as additional insureds on these policies and shall furnish 电子游戏软件 with current Certificates of Insurance that provide for thirty (30) days’ prior written notice to 电子游戏软件 in case of cancellation of or material change to the policy limits or coverage stated.  Certificate and notices shall be sent to:

Trustees of 电子游戏软件
Attn: 风险管理
St. Clements Hall, Room 108
140 Commonwealth Avenue
Chestnut Hill MA  02467

If you have questions, please contact 玛丽Magre at 617-552-2040 or 玛丽.magre@emotionsamsara.com.