Add insurance requirements and obligations to opportunities

[jleach]

Describe the solution you'd suggest

When one wins a Code With Us and presumably a Sprint with Us they'll be required to provide a certificate of insurance. It would be good to alert proponents to this fact during the application process, and, for bonus points, tell them what the requirements are. For example, if the CwU is for $1000.00 and the insurance requirements are $500.00 (which they would obtain a quote for independently) they may choose not to submit for the opportunity.

As per the schedule, the following is requred:

Exhibit 1 to Appendix A

Insurance Requirements

1. The Contractor must, without limiting the Contractor's obligation or liabilities and at the Contractor's own expense, purchase and maintain throughout the Submission Period the following insurances with insurers licensed in Canada in forms and amounts acceptable to the Issuer:
   (a) Commercial General Liability in an amount not less than $2,000,000 inclusive per occurrence against bodily injury, personal injury and property damage and including liability assumed under this Agreement and this insurance must:
   (i) include the Issuer as an additional insured,
   (ii) be endorsed to provide the Issuer with 30 days advance written notice of cancellation or material change, and
   (iii) include a cross liability clause; and
   (b) Professional Errors and Omissions Liability insuring the Contractor’s liability resulting from errors or omissions in the delivery of Contributions in an amount per occurrence, and in the aggregate, of not less than $1,000,000.
2. All insurance described in section 1 of this Schedule must:
   (a) be primary; and
   (b) not require the sharing of any loss by any insurer of the Issuer.
3. The Contractor must provide the Issuer with evidence of all required insurance as follows:
   (a) within 10 Business Days of commencement of the Submission Period, the Contractor must provide to the Issuer evidence of all required insurance in the form of a completed Province of British Columbia Certificate of Insurance;
   (b) if any required insurance policy expires before the end of the Submission Period, the Contractor must provide, within 10 Business Days of the policy’s expiration, evidence of a new or renewal policy meeting the requirements of the expired insurance in the form of a completed Province of British Columbia Certificate of Insurance; and
   (c) despite paragraph (a) or (b) above, if requested by the Issuer at any time, the Contractor must provide to the Issuer certified copies of the required insurance policies.
4. Despite section 1(b) of this Exhibit, if in the Issuer’s sole discretion, the Issuer has approved in writing either a fronted self-insurance program or a duly licensed captive insurer as an alternative to the Professional Liability Insurance requirement set out in section 1(b), then the Contractor must maintain throughout the Submission Period that alternative in accordance with the terms of the approval.

Describe alternatives you've considered

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Additional context

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