Depending on the scope of work, the artist or arts organization leading the project may be required to carry insurance. The Office of Arts and Culture team will assist the artist or arts organization in navigating these requirements.
- Business Auto Liability - Coverage for liability (negligence) claims by a third party related to the operation of an automobile. Auto insurance is required of all contractors who will be operating a vehicle as part of their contractual duties for the city. The standard limit required is $1,000,000. Contractors who use their personal vehicles can substitute their personal auto insurance for the business auto requirement. It is important to notify the city if this rule applies to you.
- General Liability - Coverage for liability (negligence) claims by a third party related to bodily injury (injury to another person) or property damage (damage to another person’s property). Limits will vary depending on the scope of work. Minimum limit is generally $1,000,000.
- Professional Liability - Coverage for claims related to a "professional’s" error in judgment, planning or design. Examples of work requiring professional liability are architectural designs and engineering studies. NOTE: if a third party is hired to do such work, that third party is allowed to carry the insurance.
- Workers’ Compensation - State mandated coverage for employees injured on the job. Colorado Workers’ Compensation law requires any business with one or more employees to carry this type of insurance. Sole Proprietors (those with no employees) are not required to carry Workers’ Compensation. It is important to notify the city if this rule applies to you.
- IMPORTANT: Contracts with the city includes indemnification. You are responsible for any claims that arise out of your work with the city. Even if insurance is waived, it is in your best interest to determine any exposures/risks and potentially purchase insurance to cover that exposure/risk.