Commercial Use Authorization Insurance Requirements

What are the insurance requirements?

The CUA holder must maintain comprehensive general liability coverage in the amount of $1,000,000 minimum per occurrence. The CUA holder must maintain commercial automobile liability coverage for all owned, non-owned, and hired vehicles used by the licensee that is driven into the park that carry passengers or equipment. The policy shall be underwritten by a United States company and must name the United States of America as an additional insured. Please see all insurance requirements and utilize the checklist below.

Commercial General Liability Insurance
Single Purpose Activities (includes day hiking, photography and art classes, kayaking, and bicycling)	$1,000,000
Vehicle Insurance (bodily injury and property damage)	Minimum per Occurance Liability Limits
Up to 6 passengers	$1,000,000
6-15 passengers	$1,500,000
16-25 passengers	$3,000,000
26+ passengers	$5,000,000

 

Required Fields

The Certificate of Liability (Acord 25) is required for proof of coverage and must be included in your application packet.

The following fields must be filled out:
Insured section names the CUA holder.
Policy EFF/Policy EXP section sets out the policy period.
General Liability section sets out the coverage and limits.
Automobile Liability section sets out the coverage and limits, for applicable CUA operations. 
Umbrella Liability section sets out the coverage and limits.
Worker’s Compensation Liability lists coverage.
Certificate Holder section identifies the United States as additional insured.

 

Proof of Insurance Checklist

Proof of insurance must fulfil these requirements:

• 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