AHCCCS Insurance Requirements
is communication outlines the additional insurance requirements and provides examples to assist you.
CCS Insurance Requirements
The AHCCCS insurance requirements include Commercial General Liability, Business Automobile Liability and
Worker’s Compensation and Employers’ Liability.
Your commercial general liability policy and your business automobile policy (if applicable), need to include an
endorsement (see letter a. below under Commercial General Liability and letter a. below under Business
Automobile Liability) and a waiver of subrogation (see letter b. below under Commercial General Liability and
letter b. below under Business Automobile Liability) in the Description field of your policy.
Your worker’s compensation and employers’ liability policy requires only the waiver of subrogation language.
ined below are the minimum requirements. Policy examples follow.
ercial General Liability – Occurrence Form
Policy should include bodily injury, property damage, personal and advertising injury and broad form contractual
liability coverage. The amounts below are the minimum requirements.
• General Aggregate $2,000,000
• Products – Completed Operations Aggregate $1,000,000
• Personal and Advertising Injury $1,000,000
• Damage to Rented Premises $50,000
• Each Occurrence $1,000,000
a. The policy shall be endorsed (Blanket Endorsements are not acceptable) to include the following
additional insured language: “The State of Arizona, and its departments, agencies, boards,
commissions, universities, officers, officials, agents, and employees shall be named as
additional insureds with respect to liability arising out of the activities performed by or on
behalf of the Contractor." Such additional insured shall be covered to the full limits of liability
purchased by the Subcontractor, even if those limits of liability are in excess of those required by
b. Policy shall contain a waiver of subrogation endorsement (Blanket Endorsements are not
acceptable) in favor of the “State of Arizona, and its departments, agencies, boards, commissions,
universities, officers, officials, agents, and employees” for losses arising from work performed by
or on behalf of the Subcontractor.
c. If direct services are provided to children and/or vulnerable adults (as defined by A.R.S §46-451(A)
(9)), the policy shall include coverage for Sexual Abuse and Molestation (SAM). This SAM
coverage may be sub-limited to no less than $500,000. The limits may be included within the
General Liability limit, provided by separate endorsement with its own limits. If you are unable to
obtain SAM coverage under your General Liability because the insurance market will not support
it, it should it be included with the Professional Liability.
d. The following statement must provide on their Certificate(s) of Insurance: “Sexual Abuse and
Molestation coverage is included” or “Sexual Abuse and Molestation coverage is not excluded.”
AHCCCS INSURANCE REQUIREMENTS – Required ONLY if requesting to participate in the Plan’s Medicaid Line of Business