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>> Uses and Occupancy Requiring Liablity Insurance
>> General Requirements for Liability Insurance

Insurance is an important issue in any situation which has the potential to cause a financial loss to the Ministry. Since a person risks damage to self or property any time he or she steps out or takes a piece of equipment onto the right-of-way, anyone using or occupying provincial highways will need proof of adequate insurance.

Contractors on BC highways will find useful information about Certificates of Insurance and Hired Equipment guidelines at the Contract Managementwebsite.


Uses and Occupancy Requiring Liability Insurance

Ministry of Transportation policy states that all permits and agreements must contain an indemnity clause and an insurance requirement clause. This protects the Ministry, the applicants and any other named insured from financial loss due to damage or harm. In addition to claims from third parties for loss or damage, the Ministry may suffer damage to the highway surface, structures, or damage to the right-of-way.

The financing of these transferred risks is handled by a requirement for Liability Insurance in the permit. To prove that the applicant has adequate insurance, the insurance agent or broker must fill out a Certificate of Insurance (H-0111).


General Requirements for Liability Insurance

For comprehensive insurance or Commercial General Liability, include the following:

  • Additional Named Insured Clause: This should name "Her Majesty the Queen in right of the Province of British Columbia as represented by the Minister of Transportation, together with the employees, agents and servants of the Minister".
  • Extension of Coverage: insurance policies should include all liability arising out of completed operations, blanket written contractual, contingent employers liability, non-owned automobile liability, and liability assumed by the Contractor in connection with the contract.
  • Cross Liability: insurance shall apply equally to each party as if they had applied separately for insurance. If one insured party breaches a condition of the insurance, the other parties are still protected by the policy.
  • Exclusions Not Permitted: hazardous operations such as excavation, pile drive, shoring, blasting, underpinning or other work must be covered by the insurance policy if the work is to be carried out by the Ministry or the Contractor, subject to prior notification to the insurance company.
  • Products and Completed Operations Hazard: this coverage shall be provided and remain in force for 12 months after the work has been completed (or 24 months for Design Build Minor Contracts) irrespective of the expiry date of the policy.