dcra

DCRA
DCRA
Menu Button

Mandatory Insurance Levels and Claims Support

Minimum Mandatory Requirements

The District of Columbia requires the following based on each license type:

General Contractor and Construction Manager

Class

Coverage Amounts and Type

Authority

Class A - The holder of a Class A license is subject to no limitation as to the value of any single contract

Commercial general liability (CGL) insurance of at least two and a half million dollars ($2,500,000) per occurrence (primary or umbrella) for bodily injury and property damage arising in any way from the issuance of the license.

17 DCMR § 3902.1 (a)

Class B - 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)

 

CGL insurance of at least one and a half million dollars ($1,500,000) per occurrence (primary or umbrella) for bodily injury and property damage arising in any way from the issuance of the license.

17 DCMR § 3902.1 (b)

Class C - 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)

 

CGL insurance 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.

17 DCMR § 3902.1 (c)

The holder of a Class D 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)

 

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.

17 DCMR § 3902.1 (d)

Class E - The holder of a Class E 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)

 

Five hundred thousand dollars ($500,000) per occurrence for bodily injury or property damage arising in any way from the issuance of the license.

17 DCMR § 3902.1 (e)

 

Home Improvement Contractors

Coverage Amount and Type

Authority

Liability Insurance minimum 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.

 

16 DCMR § 803.2

 

Other Regulated Businesses

License

Coverage and Type

Authority

Driving School

For each vehicle owned, registered in the name of or controlled by the applicant, liability insurance in the amount of:

 

(a) twenty-five thousand ($25,000) for personal injury to, or death of, any one (1) person;

 

(b) fifty thousand ($50,000) for personal injuries to, or death of, any number of persons involved in any single accident; and

 

(c) five thousand ($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.

18 DCMR § 906.2

Parking Facility

Umbrella coverage minimum of two thousand ($2,000,000) for the duration of the license period. The licensee is required to give written advance notice to DCRA prior to the cancellation or lapse of the policy.

24 DCMR § 601.1

Valet Parking

Umbrella coverage minimum of two thousand ($2,000,000) for the duration of the license period. The licensee is required to give written advance notice to DCRA prior to the cancellation or lapse of the policy.)

24 DCMR § 601.1

Tow Truck Business

All-risk or public liability insurance of at least $750,000 for duration of the license.

16 DCMR § 402.3 (g)

Tow Truck Storage Lot

Garage Keeper’s Liability Insurance of at least $50,000 for duration of the license.

16 DCMR § 402.4 (e)