Nps Form 10-550 - Commercial Use Authorization Application Page 12
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12NPS Form 10-550 (Rev. 11/2016)
OMB Control No. 1024-0268
National Park Service
Expiration Date: 11/15 /2019
ATTACHMENT B
CUA Insurance Requirements
Commercial General Liability (CGL) Insurance
Liability insurance is required for all CUA holders under the terms of the authorization. Such insurance should be of sufficient scope to
cover all potential risks and in an amount to cover claims that can reasonably be expected in the event of serious injury or death. The
minimum liability insurance, is generally, a minimum of $500,000 but may be higher depending on the provided commercial service.
Liability insurance policies must name the United States of America as additional insured. The business or person that is
providing the service must be the named insured (policy holder).
Automobile Liability Insurance
If a CUA holder transports passengers or uses a vehicle in the performance of the service in the park, they are required to have
Automobile Liability insurance. The auto liability insurance must include coverage of “owned, leased, rented or hired” vehicles if the
CUA holder rents or leases vehicles. The minimum auto liability insurance is reflected in the following table:
Vehicle Insurance
Minimum per Occurrence Liability
(bodily injury and property damage)
Limits*
Up to 6 passengers
$1,000,000
7 – 15 passengers
$1,500,000
16 – 25 passengers
$3,000,000
26+ passengers
$5,000,000
* Indicated minimum per occurrence liability limit or minimum State liability requirement in State or operation, whichever is greater.
Commercial auto insurance provides:
1.
Liability insurance, which includes coverage for bodily injury, property damage, uninsured motorists, and underinsured
motorists;
2.
Physical damage insurance, which includes collision insurance; and;
3.
Other coverage, which includes medical payments, towing and labor, rental reimbursement, and auto loan coverage.
Taxis that do not provide tour services are only required to have Auto Liability insurance. The Commercial General Liability covers out
of vehicle activities and taxis do not provide out of vehicle activities.
Insurance Company Minimum Standards
The NPS has established the following minimum insurance company requirements. All insurance companies must meet the following
minimum standards. These standards apply to foreign insurance companies as well as domestic companies.
All insurers for all coverages must be rated no lower than A- by the most recent edition of Best’s Key Rating Guide (Property-
1.
Casualty edition), or similar insurance rating companies (Moody’s, Standard and Poor’s, or Fitch), unless otherwise authorized
by the Service.
All insurers for all coverages must have Best’s Financial Size Category of at least VII according to the most recent edition of
2.
Best’s Key Rating Guide (Property-Casualty edition), or similar insurance rating companies (Moody’s, Standard and Poor’s, or
Fitch), unless otherwise authorized by the Service
3.
The insurance ratings must be submitted with the CUA Application. The rating companies do not issue certificates. We
require the insurance broker to note this rating in the Certificate.
If the rating does not appear on the certificate, the
insurance broker must provide it in another document.
Proof of Insurance Submission
Applicants must submit proof of insurance with the CUA Application. The proof of insurance must:
Be written in English with monetary amounts reflected in USD
Reflect that insurance coverage is effective at time of CUA Application submission
Name as insured the business or person that is providing the service
Name the United States as additionally insured
Reflect a General Commercial Liability Policy with the minimum coverage amount required in the CUA Application
Reflect required additional insurances (commercial vehicle, vessel, aircraft, etc.) with the minimum coverage amount required
in the CUA Application
Include insurance provider rating or provide in separate document
Page 8 of 8
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