Insurance Requirements for Independent Contractors

Independent Contractors are defined by the Internal Revenue Service based upon the person's payroll status, the control over behavior and finances the person has over his/ her work, and the relationship between the person and the entity that is making payment for the work (please see the Villanova's Independent Contractor Policy for more information). Independent Contractors who are required in Pennsylvania to hold a professional license for the services they provide; will have access to Villanova’s systems; and/ or have access Villanova Data defined as any data or information collected, created, received, stored, accessed, processed, transmitted, hosted or otherwise managed for or on behalf of Villanova University, its employees, students, faculty, agents and representatives;  should consult the Insurance and Risk Management Department for the appropriate insurance requirements.

Independent Contractors providing service to Villanova are required to carry the below applicable insurance and provide evidence via a certificate of insurance.

Insurance Requirements- Independent Contractors

  • Villanova University listed as the certificate holder (Villanova University, Attn: Insurance and Risk Management, 800 Lancaster Avenue,  Villanova, PA 19085)
  • Villanova University named as additional insured
  • General Liability: $1,000,000 each occurrence
  • Automobile Liability: $1,000,000 each accident. Only required if the Independent Contractor will be driving on Villanova’s premises. If the Independent Contractor does not carry a business automobile liability insurance policy, the declarations page(s) of the personal automobile insurance policy showing policy dates and limits covering the automobile(s) that will be on Villanova’s premises should be submitted.
  • Workers Compensation: Statutory*
  • Employers Liability: $100,000/ $500,000/ $100,000*

*If the Independent Contractor is a sole proprietor or otherwise not required by law to carry workers compensation/ employers liability, these requirements are waived as long as the Independent Contractor attests in writing that those providing services on Villanova's campus carry health insurance.

If your maximum limits do not meet the above required limits, please provide a certificate evidencing your maximum limits and advise that these are your maximum limits. It is recognized that certain small vendors, contractors, or groups may not meet Villanova University’s standard insurance requirement limits. In those cases, a request for an exception may be made to the Insurance and Risk Management Department. However, no exceptions to the limits outlined above are permitted without the approval of the Insurance and Risk Management Department.

Note: The above insurance requirements apply to the Independent Contractor, as well as all subcontractors hired by the Independent Contractor to provide services and/or products to Villanova University.

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