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Certificate of Insurance Requirements

Level I $500,000 per occurrence/$1,000,000 aggregate

  • Number of people expected: fewer than 100
  • Facilities: 1 - 3 classrooms and/or lounges
  • Require that Howard Community College and Howard County, Maryland be listed as additional insureds on the certificate

Level II $1,000,000 per occurrence/$2,000,000 aggregate

  • Number of people expected: between 100 and 800
  • Facilities: theaters, Galleria, more than three classrooms
  • Require that Howard Community College and Howard County, Maryland be listed as additional insureds on the certificate

Level III $2,000,000 per occurrence/$2,000,000 aggregate

  • Number of people expected: over 800
  • Facilities: outdoor and lawn areas and/or multiple rooms
  • Require that Howard Community College and Howard County, Maryland be listed as additional insureds on the certificate

All aquatic and athletic events must provide coverage at Level III.

Guidelines for determining level of certificate of insurance required:

The above classifications should be considered guidelines, not rigid categories. After determining the number of people expected to attend and the type of facility use requested, take into consideration the type of event before deciding upon the level of insurance needed. For instance, an outdoor event expecting to attract 500 people would need Level III coverage; an indoor event expecting to attract 200 people might also need Level III coverage depending upon the types of activities planned. However, due to the possible liability, some usage requests cannot be approved (e.g., an outdoor carnival with rides, circus events, etc.).  Contact the facilities use manager (443-518-4047) if you have questions about what coverage is required.