University of Missouri

Management Services

Risk and Insurance Management

Certificates of Insurance

A certificate of insurance demonstrates evidence of an insurance policy. It may be issued by an insurer, insurance agent or broker. A certificate of insurance should include the following:

• Name of the insurance company and NAIC number
• Policy number and period
• Name of the insured and address
• Description of coverage
• Policy limits
• Description and locations of operation
• Name and address of certificate holder
• Notice of cancellation provision
• Authorized signature and date

The University of Missouri buys products and services from many businesses every year. The University requires proof of insurance from many vendors, with the specific requirements stated in the contract. The types and amounts of insurance required will be dependent on the services that are being provided and the obligations of the parties under the contract.
When requesting a certificate of insurance from a vendor or organization providing low risk services, we require a minimum of the following:

• General liability $1 million/occurrence and $2 million/aggregate
• Auto $2 million combines single limit/Any auto
• Workers´ Compensation - statutory and employment liability of $500,000
• Curators of the University of Missouri endorsed as additional insured

Download our baseline, low risk, insurance specification:

• Low Risk Insurance Specification (10 KB)

The University reserves the right to require higher limits on any contract provided notice of such requirement is stated in the request for proposals for such contract.

Failure to maintain the required insurance in force may be cause for contract termination.  In the event the Contractor fails to maintain and keep in force the required insurance, the University shall have the right to cancel and terminate the contract without notice.

To obtain proof of University of Missouri insurance or proof of self-insurance coverage, a written request and a copy of the contract/letter/etc must be sent to Risk & Insurance Management with the following information at least 10 business days in advance:

• To whom the certificate is to be issued
• Events or services: purpose, location, time period
• The type of insurance for which proof is needed

These requests can be sent to our office or via email, with all documentation/information attached to: mooresan@umsystem.edu