Birmingham City Schools is exposed to a financial risk from negligent/wrongful acts when using contractors, service providers, consultants and vendors to provide goods or services. An exposure also exists when outside organizations and individuals use or conduct operations at facilities owned by or under the control of Birmingham City Schools. To reduce this financial exposure, Birmingham City Schools require vendors doing business with Birmingham City Schools, as well as outside organizations and individuals using Birmingham City School’s facilities, to maintain insurance as necessary to reasonably protect the financial interest of Birmingham City Schools.

All vendors conducting business with Birmingham City Schools or outside parties using or conducting operations at the facilities owned or operated by Birmingham City Schools must provide evidence of comprehensive general liability, automobile liability, and workers’ compensation insurance. The insurance coverage must meet minimum standards as outlined herein and the insurance company must have financial strength rating that confirms the ability to respond to a significant claim.

There may be certain situations where an exposure is deemed either insignificant or more significant and Birmingham City Schools will review the situations, as needed, and make adjustments to the basic insurance requirements to fit a particular situation. Examples of this exception may include, but not limited to large and complex construction projects, public transportation operations, products that are generally known to be hazardous and goods/services where the exposure to a financial loss is negligible. Birmingham City Schools reserves the right to consider each situation and to consider exceptions or to require additional coverage or the limits of liability as necessary.

All insurance policies shall be issued by companies authorized to do business in the State of Alabama and have an A.M. Best Rating of “A” or better.

Insurance and Liability

Prior to use of district facilities, the Facility Requestor must provide a current certificate of liability insurance which clearly states the organization’s Comprehensive General Liability (CGL) Insurance coverage.    

The policy shall have bodily and personal injury coverage limits of no less than $1 million ($1,000,000.00) per occurrence and property damage coverage limits of no less than $1 million ($1,000,000.00) per occurrence.

The Certificate of Insurance shall name Birmingham City Schools as the Certificate Holder and endorse the following as additional insured, Birmingham Board of Education, Birmingham City Schools, Superintendent, and their officers, employees and agents.

Activities with a high potential for accidents or liability will not be permitted.

See Sample Certificate of Insurance Below:

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