Insurance Programs
The County uses a variety of methods to handle its risk exposures and control its cost of risk. For example, some risk exposures are retained by the County (self-insured) while others are transferred through the purchase of commercial insurance.

Commercial Insurance Programs
Risk Management Operations serves as the County's internal insurance broker and administrator for its commercial insurance policies. These programs benefit:

• County Departments (example, the Property Insurance Program)
  
• Contractors (SPARTA - Contractor's Liability Insurance Program)
  
• Special Event Sponsors (SELIP - Special Events Liability Insurance)

Self-Insurance Programs
Self- insurance is the risk-financing method used by the County to pay most of its auto, general, and professional liability costs. Property losses and other uninsured costs not covered under commercial insurance programs are also paid in this manner.

SPARTA Contractors' Liability Insurance Program
The "SPARTA" (Service Providers, Artisan and Tradesman Activities) program was established to assist County departments in accessing services from contractors deemed qualified by departments to provide services, but who are not able to contract with the County due to their inability to obtain or afford County required liability insurance coverage. General contractors, consultants, subcontractors and tenants can be covered. Department and contractor participation in the SPARTA program is entirely voluntary.

• SPARTA can now provide limits of liability up to $5 million per occurrence and aggregate in commercial general liability coverage.
  
• Sub limits for sexual and physical abuse under the commercial general liability policy are available for contractors supervising, teaching or who are in any way responsible for children.
  
• The classes of business eligible for SPARTA coverage are listed below. However, other types of risk not listed may also be eligible for coverage.

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Examples of Business covered by SPARTA
SERVICE PROVIDERS

• Caterers - no public exposure
  
• Computer Software & Training
  
• Consultants - no public exposure
  
• Distributors - all varieties
  
• Electronic Data Processing
  
• Express Companies
  
• Freight Forwarders
  
• Laundries
  
• Mailing/Addressing Companies
  
• Office Machine Service/Repair
  
• Office Machine Installation
  
• Paper Products Distributors
  
• Photographers
  
• Printers
  
• Rental Companies (other than autos or contractor equipment)
  
• Temporary Employment Agencies
  
• Uniform Suppliers
  
• Vending Machine Operations
  

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TENANTS WHO LEASE COUNTY SPACE

• Building or Premises
  
• Parking Private-Civic/Municipal/Public Entity
  
• Parks or Open Land-Rented or Leased to Others
  

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ARTISAN CONTRACTORS & TRADESMAN

• Alarm Installation, Service or Repair
  
• Automobile Service or Repair - excluding emergency service or public transit vehicles
  
• Cabinet Makers
  
• Cable or Telephone System Installation
  
• Carpentry - All Classes
  
• Caterers
  
• Carpet Cleaning and Installation
  
• Cement or Concrete Floors
  
• Communications Equipment Installation
  
• Concrete Construction
  
• Conduit Construction - within buildings or repair & service of existing lines
  
• Consultants - with public exposure
  
• Debris Removal
  
• Decorating
  
• Demolition - under two stories, no explosives or wrecking ball
  
• Door or Window Installation or Repair
  
• Drywall/Wallboard Installation or Repair
  
• Electrical Work within Buildings
  
• Excavation
  
• Fence Installation or Repair
  
• Fire Extinguisher Service
  
• Fire Suppression Systems Installation, Service or Repair
  
• Floor Covering Installation
  
• Furniture or Fixtures Installation, Service or Repair
  
• Glass Installation
  
• Grading of Land
  
• Graffiti Removal
  
• Heating and Air Conditioning Installation, Service or Repair
  
• Locksmiths
  
• Metal Erection, Artistic or Decorative
  
• Masonry Work
  
• Modular Building Erection
  
• Painting Interior
  
• Painting Exterior Under 3 Stories
  
• Paperhanging
  
• Pest Control
  
• Plumbing
  
• Security Guards, Unarmed Only - excluding rock concerts and sporting events
  
• Sheet Metal Work
  
• Sign Painting and Lettering Within Buildings or Under 2 stories
  
• Shuttle Bus Terminal Coverage Only - excluding loading & unloading
  
• Street Sweepers - excluding automobile liability
  
• Tile, Stone or Marble Installation
  
• Window Cleaning, Interior
  
• Window Cleaning, Exterior Under 3 stories
  

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Operations NOT eligible for SPARTA

• Airport Control Tower Construction, Service or Repair
  
• Airport Control Tower Equipment Installation, Service or Repair
  
• Airport Runway or Warming Apron Construction, Service or Repair
  
• Airport Security
  
• Aircraft Service or Maintenance
  
• Ambulance Services
  
• Alarm Monitoring
  
• Blasting Operations
  
• Boat or Ship Building
  
• Bridge or Elevated Highway Construction
  
• Building Structure Raising or Moving
  
• Caisson or Cofferdam Work
  
• Construction of Buildings More than 1 Story
  
• Dredging
  
• Drilling
  
• Earthquake Retrofitting - not to include repair or debris removal
  
• Electric Light or Power Line Construction
  
• Elevator Repair, Service or Installation
  
• Emergency or Rescue Services
  
• Fire Proofing - not to include fire suppression installation, service or repair
  
• Garbage, Ash or Refuse Construction - not to include janitorial operations
  
• Gas Mains or Connections Construction
  
• Metal Work or Erection, Structural or Loading Bearing
  
• Pier or Dock Construction or Repair
  
• Pile Driving
  
• Pipeline Construction or Installation
  
• Railroad Construction or Repair
  
• Tank Construction or Installation
  
• Street, Road or Highway Construction, Paving or Re-paving
  
• Primary Construction of the Following:
  
  • Steam Mains or Connections
    
  • Sewer Main or Storm Drain Construction
    
  • Water or Sewer Main Construction
    
  • Underpinning of Buildings or Structures

Other businesses may/may not be covered. Contractors may call SPARTA directly at (800) 420-0555 for more information.

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SELIP Special Events Liability Insurance Program
Parties who use County facilities for classes, street fairs, exhibitions, weddings and a wide variety of other events are required to provide general liability insurance covering the activity. Event Sponsors who do not customarily maintain liability insurance may be eligible to purchase this insurance through the Special Event Liability Insurance (SELIP) program. SELIP insurance protects both the Event Sponsor and the County for liability (injury or property damage) which could result from the activities of the Event Sponsor.

Cost of the SELIP insurance information for each event is based on the classification of the event (example: antique show, wedding reception) and the number of attendees at the event.

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SELIP Insurance Premium Schedule
The following is list of SELIP insurance premiums in effect through December 1, 2001:

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SELIP Class Groupings

CLASS I EVENTS
Antique Shows Graduation Ceremonies
Art Festivals Gun and Knife Shows
Art Shows Gymnastic Competitions
Auditions Harvest Festivals
Automobile Shows Home/Housing Shows
Awards Presentations/Ceremonies Ice Skating Shows
Ballets Instructional Classes (Non Mechanical)
Banquets Ladies Club Events/Activities
Bazaars Lectures/Seminars
Beauty Pageants Legitimate Theater
Bingo Games Luncheons
Boat Shows Meetings (Indoors)
Body Building Contests Mobile Home Shows
Business Shows/Meetings Motion Picture Theater Events
Celebrations Musicals (Non-rock)
Chamber of Commerce Meetings Operettas
Charity Events, Auctions & Sales Organized Sight-seeing Tours
Cinemas Outings
Civic Clubs & Group Meetings Overnight Camping Events
Classic Music Concerts Pageants
Concerts Indoors (Under 1,500 Attendees) Parties
Consumer Shows Plays/Theatrical Stage Performances
Conventions (Indoors) Proms
Craft Shows Recreational Vehicle Shows
Dance Shows Scouting Jamborees
Debutante Balls Seminars
Dinner Theater Social Gatherings
Drill Team Exhibitions Social Receptions
Education Exhibitions Speaking Engagements
Electronics Conventions Symphony Concerts
Other Exhibitions (Indoors) Teleconferences
Fashion Shows Telethons
Fishing Events Trade Shows (Indoors)
Flower/Garden Shows Vacation Shows
Wedding Ceremonies & Receptions

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CLASS II EVENTS
Aerobics & Jazzercise Classes Night Club Acts/Shows
Animal Training Programs Old Time Events
Block Parties & Street Closures (Excluding Beaches) Parades (Under 500 Attendees)
Concerts (Non-rock) (Under 1,500 Attendees) Picnics (Without Pool or Lake)
Dance Party Events Religious Assemblies
Debates Reunions
Animal Shows (Dogs, Horses, Etc.) Rummage & Sidewalk Sales Events
Evangelistic Meetings School Bands
Exhibitions (Outdoors) Seances
Food Concession Events Soap Box Derby Events
Hotel Shows Street Fairs
Jam & Jazz Sessions/Shows Swap Meets
Walking or Running Marathons Trade Shows (Outdoors)
Meetings or Social Gatherings (Outdoors) Voter Registrations

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CLASS III EVENTS
Adult Soccer Events Live Entertainment
Arcades Picnic Grounds Events with Pool or Lake (Swimming and Diving Lessons)
Bicycle Rally's Promotional Events (Subject to Special Rating)
Casino Events & Lounge Shows Recreational Events
Concerts (Rock - under 500 Attendees) Softball Events
Country Western Events Sporting Events (Indoors) (Non Professional)
Ethnic Celebration Events Tennis, Handball & Racquetball Events
Film Productions (Non Action/No Stunts) Theatrical Road Shows
Junior Athletic Events/Games Union Rallies and Meetings
Karate Contests/Meets Zoo Events
Amusement Park Events (No Rides)

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Indemnification and Insurance Requirements for Los Angeles County Service Agreements

1. Indemnification: Contractor shall indemnify, defend and hold harmless County, and its Special Districts, elected and appointed officers, employees, and agents from and against any and all liability, including but not limited to demands, claims, actions, fees, costs, and expenses (including attorney and expert witness fees), arising from or connected with Contractor's acts and/or omissions arising from and/or relating to this Agreement.
   
   
2. General Insurance Requirements: Without limiting Contractor's indemnification of County and during the term of this Agreement, Contractor shall provide and maintain, and shall require all of its subcontractors to maintain, the following programs of insurance specified in this Agreement. Such insurance shall be primary to and not contributing with any other insurance or self-insurance programs maintained by County, and such coverage shall be provided and maintained at Contractor's own expense.
   
   
1. Evidence of Insurance: Certificate(s) or other evidence of coverage satisfactory to County shall be delivered to Department Contract Administrator (Name and Address) prior to commencing services under this Agreement. Such certificates or other evidence shall:
   
   
1. Specifically identify this Agreement.
   
   
2. Clearly evidence all coverages required in this Agreement.
   
   
3. Contain the express condition that County is to be given written notice by mail at least thirty (30) days in advance of cancellation for all policies evidenced on the certificate of insurance.
   
   
4. Include copies of the additional insured endorsement to the commercial general liability policy, adding the County of Los Angeles, its Special Districts, its officials, officers and employees as insureds for all activities arising from this Agreement.
   
   
2. Insurer Financial Ratings: Insurance is to be provided by an insurance company acceptable to the County with an A.M. Best rating of not less than A:VII, unless otherwise approved by County.
   
   
3. Failure to Maintain Coverage: Failure by Contractor to maintain the required insurance, or to provide evidence of insurance coverage acceptable to County, shall constitute a material breach of the contract upon which County may immediately terminate or suspend this Agreement. County, at its sole option, may obtain damages from Contractor resulting from said breach. Alternatively, County may purchase such required insurance coverage, and without further notice to Contractor, County may deduct from sums due to Contractor any premium costs advanced by County for such insurance.
   
   
4. Notification of Incidents, Claims or Suits: Contractor shall report to County:
   
   
1. any accident or incident relating to services performed under this Agreement which involves injury or property damage which may result in the filing of a claim or lawsuit against Contractor and/or County. Such report shall be made in writing within 24 hours of occurrence.
   
   
2. any third party claim or lawsuit filed against Contractor arising from or related to services performed by Contractor under this Agreement.
   
   
3. any injury to a contractor employee which occurs on County property. This report shall be submitted on a County "Non-employee Injury Report" to the County contract manager.
   
   
4. any loss, disappearance, destruction, misuse, or theft of any kind whatsoever of County property, monies or securities entrusted to Contractor under the terms of this Agreement.
   
   
5. identify any deductibles or self-insured retentions for County's approval. The County retains the right to require Contractor to reduce or eliminate such deductibles or self-insured retentions as they apply to County, or, require Contractor to provide a bond guaranteeing payment of all such retained losses and related costs, including, but not limited to, expenses or fees, or both, related to investigations, claims administrations, and legal defense. Such bond shall be executed by a corporate surety licensed to transact business in the State of California.
   
   
5. Compensation for County Costs: In the event that Contractor fails to comply with any of the indemnification or insurance requirements of this Agreement, and such failure to comply results in any costs to County, Contractor shall pay full compensation for all costs incurred by County.
   
   
6. Insurance Coverage Requirements for Subcontractors: Contractor shall ensure any and all sub-contractors performing services under this Agreement meet the insurance requirements of this Agreement by either:
   
   
   1. Contractor providing evidence of insurance covering the activities of sub-contractors, or
      
      
   2. Contractor providing evidence submitted by sub-contractors evidencing that subcontractors maintain the required insurance coverage. County retains the right to obtain copies of evidence of sub-contractor insurance coverage at any time.
      
      
3. Insurance Coverage Requirements:
   
   
   1. General Liability insurance (written on ISO policy form CG 00 01 or its equivalent) with limits of not less than the following:

      General Aggregate: $2 million
      Products/Completed Operations Aggregate: $1 million
      Personal and Advertising Injury: $1 million
      Each Occurrence: $1 million

   2. Automobile Liability insurance (written on ISO policy form CA 00 01 or its equivalent) with a limit of liability of not less than $1 million for each accident. Such insurance shall include coverage for all "owned", "hired" and "non-owned" vehicles, or coverage for "any auto".
      
      
   3. Workers Compensation and Employers' Liability insurance providing workers compensation benefits, as required by the Labor Code of the State of California or by any other state, and for which Contractor is responsible. If Contractor's employees will be engaged in maritime employment, coverage shall provide workers compensation benefits as required by the U.S. Longshore and Harbor Workers' Compensation Act, Jones Act or any other federal law for which Contractor is responsible.

      In all cases, the above insurance also shall include Employers' Liability coverage with limits of not less than the following:
      Each Accident: $1 million
      Disease - policy limit: $1 million
      Disease - each employee: $1 million

   4. Professional Liability: Insurance covering liability arising from any error, omission, negligent or wrongful act of the Contractor, its officers or employees with limits of not less than $1 million per occurrence and $3 million aggregate. The coverage also shall provide an extended two year reporting period commencing upon termination or cancellation of this Agreement.
      
      
   5. Property Coverage: Such insurance shall be endorsed naming the County of Los Angeles as loss payee, provide deductibles of no greater than 5% of the property value, and shall include:
      
      Personal Property: Automobiles and Mobile Equipment - Special form ("all risk") coverage for the actual cash value of County-owned or leased property.
      
      Real Property and All Other Personal Property - Special form ("all-risk") coverage for the full replacement value of County-owned or leased property.
      
      
   6. Crime Coverage: Insurance with limits in amounts not less than indicated below covering against loss of money, securities, or other property referred to in this Agreement, and naming the County as loss payee.
      
      

      Employee Dishonesty:	$ determined by dept.
      Forgery or Alteration:	$ determined by dept.
      Theft, Disappearance and Destruction:	$ determined by dept.
      Computer Fraud:	$ determined by dept.
      Burglary and Robbery:	$ determined by dept.

      
      
4. Performance Security Requirements: Such surety may be provided by one of the following forms and conditioned upon faithful performance and satisfactory completion of services by Contractor.
   
   
   1. Performance Bond: A faithful performance bond in an amount equal to 100% of the Agreement award amount and executed by a corporate surety licensed to transact business in the State of California, or,
      
      
   2. Certificate of Deposit (CD) or Letter of Credit (LOC): A CD or an irrevocable LOC payable to the County upon demand in an amount not less than $ (determined by department). Such CD or LOC shall comply with minimum criteria and standards established by the County and be maintained throughout the term of the Agreement.
      

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