>> 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 Management website.
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 information about the Ministry of Transportation's Risk Management Program, go to Construction and Maintenance Branch Claims Unit.
For comprehensive insurance or Commercial General Liability, include the following:
For property insurance (where applicable) include the following:
For all policies except ICBC Auto Insurance and Professional Liability (E & O) Insurance, include the following:
For Professional Liability/Errors and Omissions Insurance, include the following:
A Ministry Certificate of Insurance (H-0111) is to be used as evidence of insurance. This certificate of insurance is the only certificate of insurance acceptable to the Ministry. The certificate must be signed and dated by a person authorized to sign on behalf of the insurance company (e.g.: insurance company personnel or an insurance agent who has signing authority on behalf of the insurance company). Only an original of the Ministry Certificate of Insurance is acceptable. Ministry staff will not accept photocopies
For agreements where Automobile Liability insurance is a requirement and where such vehicles are insured through the Insurance Corporation of British Columbia, there are three acceptable means of providing evidence:
This guide is a living document; it is subject to change without notice. Please check the Rural Subdivisions Website (http://www.th.gov.bc.ca/permits/Subdibision_Home.asp) to make sure you version is sufficiently current.