Frequently Asked Questions
General Insurance FAQs for Shared Platform Projects
- How do I get an insurance certificate if required?
Contact your Project Specialist and Coordinator to obtain an insurance certificate.
- Do we need to insure leased assets, such as those provided by a municipality?
Answer:
It depends on the terms of the lease or agreement. In many cases, MakeWay may be responsible for insuring leased assets, but you should always refer to the specific contract to confirm insurance obligations.
- If project assets are stored at a third-party location and become damaged or lost, whose insurance is responsible?
Answer:
Responsibility for insurance coverage depends on the terms of the agreement with the third party. It is important to clarify in contracts who holds primary responsibility for insurance in such scenarios.
- Are participants covered by our insurance while traveling to or from a project-related event?
Answer:
Participants are not automatically covered as they are not acting on behalf of MakeWay (unlike contractors or volunteers). However, if a participant suffers bodily injury or property damage due to MakeWay’s actions, the policy may respond and provide indemnity if the claim is deemed valid under the policy.
- Are volunteers and contractors covered under MakeWay’s liability insurance?
Answer:
Yes. Volunteers and contractors are covered for third-party liability that may arise from their authorized activities carried out on behalf of MakeWay.
- Are employees or volunteers covered during remote work or work-from-home activities?
Answer:
MakeWay’s liability insurance primarily covers third-party liability. If an incident occurs at a home office (e.g., injury to a guest), the individual’s home insurance would typically be the applicable coverage. Employees and volunteers working remotely should ensure they have appropriate home insurance in place.
- What happens to an active insurance claim when a project exits the Shared Platform?
Answer:
Claims are tied to the policy in place at the time of the incident. If a claim is initiated while the project is under MakeWay's coverage, it remains MakeWay’s responsibility—even if the project later becomes independent.
- Do we need to provide storage details for insured project assets and equipment?
Answer:
Yes. If equipment is considered "mobile," it only needs to be listed as such. However, if assets are stored at a fixed location, the insurer must be informed of the location and COPE details (Construction, Occupancy, Protection, and Exposure) to properly assess risk.
- How should we assess insurance needs when working with contractors in remote or high-risk environments?
Answer:
Projects should rely on the contractor’s insurance as the primary coverage, as they are performing the work and bear the associated risks. Projects should obtain a Certificate of Insurance (COI) from the contractor, ensuring a minimum of $5 million in coverage and listing the project as an additional insured. This ensures adequate protection in case of claims or liability.
For more information, please see the FY26 Insurance Summary: https://makeway.box.com/s/13bzj8jp4jp78120pkczdvj687v250gm