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BGS Small Construction Project Contract Page 3 of 7 Page 3 of 7
Rev. 02/05/08; 4/15/09 Articles 7, 10, §12.1 ARRA
provision that coverage afforded under the insurance policies will not be canceled or materially
changed unless at least ten (10) days prior written notice by registered letter has been given to
the Owner and the Bureau of General Services. The Owner does not warrant or represent that the
insurance required herein constitutes an insurance portfolio which adequately addresses all risks
faced by the Contractor. The Contractor is responsible for the existence, extent and adequacy of
insurance prior to signing this Contract.
§ 8.2 The Contractor shall procure and maintain insurance for the duration of the Project and, if
written on a claims made basis, shall maintain such insurance for the duration of time that the
claims insured against may be brought within the applicable Maine statute of repose. The
Contractor shall ensure that all Subcontractors the Contractor engages or employs carry and
maintain similar insurance in form and amount acceptable to the Owner. The insurance shall be
of the types and limits set forth herein and such insurance as will protect the Contractor from
claims which may result from the Contractor’s execution of the Work, whether such execution
be by the Contractor or by those employed by the Contractor or by those for whose acts they may
be liable. The insurance coverage provided by the Contractor will be primary coverage. All
required insurance coverages shall be placed with carriers authorized to conduct business in the
State of Maine by the Maine Bureau of Insurance.
§ 8.3 The Contractor shall have workers' compensation insurance for all employees on the
Project site in accordance with the statutory workers’ compensation law of the State of Maine.
Minimum acceptable limits for Employer’s Liability are:
Bodily Injury by Accident ................................... $100,000
Bodily Injury by Disease ..................................... $100,000 Each Employee
Bodily Injury by Disease ..................................... $500,000 Policy Limit
§ 8.4 The Contractor shall have general liability insurance providing coverage not less than that
of the 1996 occurrence version of the Insurance Services Office (ISO) Commercial General
Liability Policy. This insurance shall cover bodily injury and property damage liability for all
hazards of the Project including premise and operations, products and completed operations,
contractual, and personal injury liabilities. Minimum acceptable limits are:
General aggregate limit ....................................... $1,000,000
Products and completed operations aggregate .... $400,000
Each occurrence limit .......................................... $400,000
Personal injury aggregate .................................... $400,000
§ 8.5 The Contractor shall have automobile liability insurance against claims for bodily injury,
death or property damage resulting from the maintenance, ownership or use of all owned, non-
owned and hired automobiles, trucks and trailers. Minimum acceptable limit is:
Any one accident or loss ..................................... $400,000
§ 8.6 The Contractor shall have property insurance for projects over $1,000 as follows:
.1 New construction – The Contractor shall procure and maintain Builder’s Risk
insurance naming the Owner, Contractor, and any Subcontractor as insureds as their
interest may appear. Covered causes of loss form shall be all Risks of Direct
Physical Loss, endorsed to include flood, earthquake, transit and sprinkler leakage
where sprinkler coverage is applicable. Unless specifically authorized in writing by
the Owner, the limit of insurance shall not be less than the initial contract amount
and coverage shall apply during the entire contract period and until the work is
accepted by the Owner.
