Workers' Compensation

Statutory Limits
(LaSalle requires coverage in all states)

Employer's Liability

$500,000 each accident
$500,000 disease - policy limit
$500,000 disease - per employee

Commercial General Liability

1,000,000 each occurrence
$2,000,000 general aggregate
$2,000,000 products/completed operations aggregate
Note: The general aggregate should apply on a "per product" basis for contractors. Coverage is to be provided on an "occurrence" rather than on a "claim-made" basis.

Automobile Liability

$1,000,000 each accident
Note: This coverage should apply to "any auto" and should not be deleted from any contract in the event the vendor buys or leases a vehicle in the future.

Umbrella Liability

$5,000,000 each occurrence
$5,000,000 aggregate
Note: This coverage is additional liability insurance and should be "following form" over employer's liability, commercial general liability, and auto liability.

All-Risk Property Insurance

Replacement Cost
Note: This coverage should be required of all contractors and vendors who bring property (e.g., tools and equipment, etc.) onto the premises. The limit should be the replacement cost of the equipment.

Errors & Omissions

Minimum $1,000,000
Required for certain types of professional contractors (architects, engineers, environmental consultants, etc.). The size and scope of the project will determine appropriate limits.
Note: Must provide a COI evidencing the continuation of coverage for a period of two years after final payment of the contract.