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Certificate of Liability Insurance Details

Certificate of Liability Insurance: General Information

Some applicants for a Basic Business License for a Regulated Business must furnish a Certificate of Liability Insurance which:

  • is issued to your organization as registered with the Corporations Division

  • is issued to the premise address provided on the Basic Business License Application

  • includes a Description and Location of services (i.e., General Contractor in Washington, DC)

  • displays the certificate holder as "Department of Consumer and Regulatory Affairs, 1100 4th Street, SW, 5th Floor, Washington, DC 20024."

  • remains in full force and effect for the duration of the license period

P.O. Boxes are not acceptable as the insured’s premise address.

The licensee is required to give written proof of advance notice to the Department of Consumer and Regulatory Affairs, Business Licensing Division prior to the cancellation or lapse of the policy. 

 

 

Driving School Details

Each applicant shall furnish an original certificate of insurance policy comprising of twenty-five thousand dollars ($25,000) for personal injury to, or death of, any one (1) person; and fifty-thousand ($50,000) for personal injuries to, or death of, any number of persons involved in any single accident; and five-thousand dollars ($5,000) for property damage in any single accident; resulting from the negligence of the applicant, or any agent, employee, or student of the applicant.

 

General Contractor/Construction Manager Details

Each applicant shall furnish a certificate of insurance for the license period pursuant to DC Official Code and DC Municipal Regulations.  Each applicant must secure commercial general liability insurance as follows:
  • Class A: Applicant applying for Class A license limits of at least two and a half million dollars ($2,500,000) per occurrence (umbrella) for bodily injury and property damage arising in any way from the issuance of the license. The holder of a Class A license is subject to no limitation as to the value of any single contract;
  • Class B: Applicant applying for Class B license limits of at least one and a half million dollars ($1,500,000) per occurrence (umbrella) for bodily injury and property damage arising in any way from the issuance of the license. The holder of a Class B license is not entitled to engage in the construction of any single contract project of a value in excess of ten million dollars ($10,000,000);
  • Class C: Applicant applying for Class C license limits of at least five hundred thousand dollars ($500,000) per occurrence, one million dollars ($1,000,000) in the aggregate combined single limit for bodily injury or property damage arising in any way from the issuance of the license. The holder of a Class C license is not entitled to engage in the construction of any single contract project of a value in excess of five million dollars ($5,000,000);
  • Class G: Applicant applying for Class G license limits of at least five hundred thousand dollars ($500,000) per occurrence, one million dollars ($1,000,000) in the aggregate combined single limit for bodily injury or property damage arising in any way from the issuance of the license. The holder of a Class G license is not entitled to engage in the construction of any single contract project of a value in excess of two million dollars ($2,000,000);
  • Class H: Applicant applying for Class H license limits of at least five hundred thousand dollars ($500,000) per occurrence for bodily injury or property damage arising in any way from the issuance of the license. The holder of a Class H license is not entitled to engage in the construction of any single contract project of a value in excess of five hundred thousand dollars ($500,000);

 

Home Improvement Contractor Details

Each applicant shall furnish an original certificate of insurance policy with a minimum limit of liability of fifty thousand dollars ($ 50,000) for bodily injury or death of any one (1) person in any single accident, one hundred thousand dollars ($ 100,000) in the aggregate for more than one (1) person in any single accident, and ten thousand dollars ($ 10,000) property damage in any single accident for the license period pursuant to DC Official Code and DC Municipal Regulations.
 
 

Parking Facility Details

Each applicant shall furnish a certificate of insurance for the license period pursuant to DC Official Code and DC Municipal Regulations. Each applicant must secure an original insurance certificate which provides umbrella coverage of a minimum of two million dollars ($2,000,000) in full force and effect for the duration of the license period per DC Official Code and DC Municipal Regulations. The licensee is required to give written proof of advance notice to the Department of Consumer and Regulatory Affairs, Business Licensing Division prior to the cancellation or lapse of the policy.

 

Tow Truck Business Details

Each applicant shall furnish a certificate of insurance for the license period pursuant to DC Official Code and DC Municipal Regulations. Each applicant must secure an original all-risk or public liability insurance policy, which provides a minimum of seven hundred fifty thousand dollars ($750,000) in full force and effect for the duration of the license period per DC Official Code and DC Municipal Regulations. The licensee is required to give written proof of advance notice to the Department of Consumer and Regulatory Affairs, Business Licensing Division prior to the cancellation or lapse of the policy.
 
 

Tow Truck Storage Lot Details (Certificate of Garage Keeper's Legal Liability Insurance)

Each applicant shall furnish a certificate of Garage Keeper's Legal Liability Insurance Policy for the license period pursuant to DC Official Code and DC Municipal Regulations. Each applicant must secure an original all-risk or public liability insurance policy, which provides a minimum of fifty thousand dollars ($50,000) in full force and effect for the duration of the license period per DC Official Code and DC Municipal Regulations. The licensee is required to give written proof of advance notice to the Department of Consumer and Regulatory Affairs, Business Licensing Division prior to the cancellation or lapse of the policy.

 

Valet Parking Details

Each applicant shall furnish a certificate of insurance with umbrella coverage of a minimum of two million dollars ($2,000,000) in full force and effect for the duration of the license period per DC Official Code and DC Municipal Regulations. The licensee is required to give written proof of advance notice to the Department of Consumer and Regulatory Affairs, Business License Division prior to the cancellation or lapse of the policy.
 
 
 
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