Insurance Requirements

The Office of Risk Management supports the University’s mission by fostering a culture of readiness and resilience.  As part of this commitment, insurance requirements have been established for vendors, contractors, and other third parties conducting business with or on behalf of the University.

These requirements help ensure that appropriate coverage is in place to manage potential risks and liabilities.  This page outlines the standard insurance minimum coverage limits and documentation needed to meet university policies.  All external parties must provide proof of insurance before commencing any work or engagement on campus or utilizing university resources. 

Please review the information below carefully.  If you have questions or need assistance, contact the Office of Risk Management.

All Coverages and Minimum Limits of Liability listed below are required.

 Line of Coverage

Coverage Description

Minimum Limits
General Liability

Premises Liability

 $1M Per Occurrence

Personal Injury

$1M 

Products Liability

$1M

Medical Payments

$10,000

General Aggregate

$2M Aggregate 

Automobile Liability

Combined Single Limit

$1M (any auto)

Workers' Compensation

Injury/Illness

Statutory

Employer Liability

$1M 

Waiver of Subrogation: 
Contractor and its insurers must waive subrogation against SMU, its trustees, officers, employees, students, volunteers, and agents for claims or any other loss arising out of Contractor’s negligence, willful misconduct, or omission. 

Additional Insured:  
The trustees, officers, employees, students, volunteers, and agents of Southern Methodist University.

Certificate Holder:
Southern Methodist University
Office of Risk Management
PO Box 750231
Dallas, TX  75275-0231
riskmanagement@smu.edu