The Florida Department of Transportation is implementing new insurance requirements for contractors bidding projects to begin after July 1, 2014. Under the FDOT’s revised Standard Specifications for Road and Bridge Construction, the FDOT is forbidding the use of self-insured retention in Commercial General Liability Insurance policies that contractors must carry when working on FDOT projects. The FDOT is also requiring additional insured endorsements to include Products/Completed Operations coverage, and requiring that the limits of liability for each occurrence and aggregate not be diminished or shared by claims unrelated to the FDOT contract. To help enforce these requirements, the FDOT will now require contractors to provide it with an ACORD Certificate of Liability Insurance reflecting the coverage provided. 

For the text of the FDOT’s revised specifications on insurance, view Article 7-13