Local jurisdiction requiring certificate of insurance?

[struct_eeyore]

Has anyone ever run into a situation where a local jurisdiction was requiring you to add them as an interested third party in an insurance certificate?
To clarify, I'm not working for this jurisdiction directly, I'm working on private homes within this jurisdiction.

 

[phamENG]

No. I've been required to prove insurance to act as a third party inspector, but never to be EOR. I can't speak to the legality of requiring it, but I don't think it's a bad idea. Good on them for taking an extra step to ensure the people they serve are protected.

 

[struct_eeyore]

phamENG,

I did not explain myself clearly. I already sent them the proof of insurance with the policy coverage dates - they are however are now interested in being added as an interested party, which to my legally-untrained mind seems like they want to be able to collect on the payouts.

 

[phamENG]

No - they want to be named on the certificate so they'll get notified if you cancel.

 

[XR250]

Is this even legal?
Are you required to have insurance?

 

[struct_eeyore]

My state, FL, does not require it no. Again, I have no legal knowledge of this, but it has stumped me since now I've got a major delay with a client.

 

[phamENG]

Florida (my original home) is a home rule state. The localities do not require permission from the state to set a rule like this, though the state can prohibit it.

 

[XR250]

I can't imagine this being legal.
Are they going to dictate the amount and length of coverage, deductible and tail policy requirements?

 

[phamENG]

Why not? They can force you to have car insurance. General legal requirements for insurance have their precedents. Most states require GCs to carry a certain amount of insurance to maintain their licenses.

 

[XR250]

Fair

 

[Brad805]

Talk with your insurer. What duty of care do we owe to the municipality when they are not our client? This is a long term paperwork headache.

 

[struct_eeyore]

Brad,

This has been my line of thinking. However, BO's in Florida are given a ridiculous amount of power, which they often don't know how to direct.