These are general insurance and bonding requirements to be utilized for
service providers, contractors, and subcontractors. World Church Risk
Management Services will assist in reviewing insurance and bonds
submitted.
World Church reserves the right to refuse to accept insurance coverage
for any service provider, contractor, or subcontractor due to financial
instability of the insurance company, limits, coverages, and insurance
terms or conditions, or the lack thereof.
All service providers, contractors, and subcontractors shall carry the
following insurance coverage:
1. Workers’ Compensation (WC) and Employers’ Liability (EL) Insurance
WC– statutory
EL– bodily injury by accident–$500,000 each accident
bodily injury by disease–$500,000 policy limit
bodily injury by disease–$500,000 each employee
2. Automobile Liability Insurance
$1,000,000 combined single limit–bodily injury and property damage for
injuries to person or persons involved in an accident in connection with
the work to be performed for the church
3. Commercial General Liability
$2,000,000 general aggregate
$1,000,000 bodily injury/property damage–per occurrence
$2,000,000 products/completed operations–aggregate
4. Excess Liability above the EL, Automobile Liability, and Commercial
General Liability
$5,000,000 aggregate
5. Installation floater or builders’ risk property policy (installation
floater–renovations and builders’ risk–new buildings/structures). This
coverage will protect the church buildings/structures during the
renovation or new construction of the church. Limit: amount of the
contract.
6. Bid bond–contractor will provide a bid bond at the time of submission
of bid. The bid bond will guarantee the contractor’s duty to sign a
contract with the church at the terms, conditions, and price as outlined
in the bid.
7. Performance, labor, and material bond–The contractor shall furnish a
labor, equipment, material bond, and performance bond equal to 100
percent total cost of labor, equipment, material, contractor’s supplies,
overhead, and profit of the contractor from a company authorized to do
business in the state where the work is to be performed. This bonding
company will be approved by the church. The cost of the bond will be
paid by the church above and beyond the contract amount. These bonds are
required for projects that exceed $50,000.
8. The church will be provided with a certificate of insurance
evidencing the insurance coverage and limits as outlined above–before
the start of any work. (Sample certificate of insurance for construction
is attached.)
9. The church will be named as an additional insured on 2, 3, and 4
above. The church will be named as a loss payee on 5 above. This will
include the name of the local congregation and the World Church.
Please mail or fax certificates of insurance to:
Community of Christ
Risk Management Services
1001 W. Walnut
Independence, MO 64050-3562
Fax (816) 521-3035
Phone (816) 833-1000, ext. 1492
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