Download Texas 1560 Template

How to Use Texas 1560

Completing the Texas 1560 form is essential for ensuring your compliance with requirements set by the Texas Department of Transportation (TxDOT) regarding insurance policies for contractors. It serves as a verification of the insurance coverage you hold or offer. The filling process is straightforward and requires attention to detail to ensure all the information provided is accurate and matches the insurance policies exactly.

1. Start by entering the legal company name of the insured, including the DBA (doing business as) name if applicable, in the "Insured" field.
2. Provide the street or mailing address, city, state, and ZIP code for the insured.
3. Fill in the phone number of the insured, including the area code.
4. Under the WORKERS' COMPENSATION INSURANCE COVERAGE section, ensure the policy includes a Waiver of Subrogation in favor of TxDOT. Enter the carrier's name, phone number, address, policy number, effective date, expiration date, and verify that the limits of liability meet the statutory requirement for Texas.
5. In the COMMERCIAL GENERAL LIABILITY INSURANCE section, input the carrier's name, phone number, address, type of insurance, policy number, effective date, expiration date, and ensure the limits of liability are not less than $600,000 each occurrence.
6. For the BUSINESS AUTOMOBILE POLICY portion, include the carrier's name, phone number, address, type of insurance, policy number, effective date, expiration date, and confirm the limits of liability are at least $600,000 combined single limit for Bodily Injury and Property Damage.
7. If you have an UMBRELLA POLICY, fill in the carrier's name, phone number, address, type of insurance, policy number, effective date, expiration date, and limits of liability as applicable.
8. Signify that you understand cancellation notices will be delivered in accordance with policy provisions by reviewing the appropriate section.
9. Under the agency information, enter the agency name, address, city, state, and zip code. Provide the authorized agent's phone number.
10. Ensure the authorized agent signs and dates the form in the designated fields.
11. Fax the completed form to 512/416-2536 or mail it to the Texas Department of Transportation CST Contract Processing Unit as listed on the form.

After submitting the form, it's crucial to monitor the expiration dates of the policies and update the information with TxDOT accordingly. This proactive approach ensures there's no work suspension due to insurance coverage lapses. Remember, maintaining accurate and current insurance documentation with TxDOT is not just a compliance issue but also a matter of professional integrity and responsibility towards the projects undertaken.

When filling out the Texas 1560 form, a Certificate of Insurance, individuals often make common errors that can lead to delays or complications. Being aware of these mistakes can help ensure the process is completed smoothly. Here are nine frequent mistakes:

1. Not providing all requested information. Each section of the form has specific requirements that must be meticulously filled out to avoid processing delays.
2. Failing to ensure the Workers' Compensation Insurance section is correctly endorsed with a Waiver of Subrogation in favor of TxDOT. This specific endorsement is a requirement and must be clearly indicated on the form.
3. Using binder numbers instead of policy numbers. The form explicitly requires the policy number, as binders are not considered acceptable for this documentation.
4. Not updating insurance information before the expiration date. To avoid work suspension, updated insurance forms must be sent and received by TxDOT one business day before the policy expires.
5. Incorrect identification of the insured. It is crucial to list the contractor’s legal company name and include the DBA (doing business as) name where applicable. This mistake can lead to confusion regarding the coverage parties.
6. Overlapping staff leasing services incorrectly. If staff leasing services provide insurance, they must be listed as the insured, with the contractor/client company shown in parenthesis.
7. Altering pre-printed limits without authorization. While it’s permissible to indicate higher limits than those pre-printed, the original figures should be clearly striked through or crossed out, not obscured or overwritten without clarity.
8. Not adhering to the specific requirements for Commercial General Liability Insurance and Business Automobile Policy. Substitutes like Manufacturers' or Contractor Liability Insurance, or Private Automobile Liability Insurance, are not acceptable.
9. Failure to mail the completed form to the correct address or use the recommended fax number can result in documents not being processed in time or at all.

Avoiding these common mistakes can streamline the process of submitting the Texas 1560 form, ensuring compliance with TxDOT’s requirements and avoiding unnecessary delays or complications in your contract fulfilment.

When working with the Texas 1560 form, which serves as a certificate of insurance, it's essential to ensure that all necessary documentation is in order to maintain compliance and facilitate smooth operations. Alongside the Texas 1560 form, several other forms and documents are often required to provide a comprehensive view of the insured party's coverage and to meet regulatory or contract-specific requirements. Understanding each of these documents can assist individuals and businesses in navigating the complexities of insurance verification and compliance.

• ACORD 25 Certificate of Liability Insurance: This is a standard certificate of insurance form that provides evidence of general liability coverage. It summarizes the key elements of the policy, including the insured's name, the policy effective date, the type of coverage, and the limits of liability. It is widely used across various industries to confirm insurance coverage.
• Waiver of Subrogation: This document is an endorsement that can be added to an insurance policy, allowing the insured to waive the insurer's right to seek recovery from a third party that may have caused an insurance loss to the insured. It is crucial in contracts where the parties agree to limit each other's liability for losses covered by insurance.
• Additional Insured Endorsement: An essential document for many contractual relationships, this endorsement modifies the policy to include an additional party (or parties) as insured under the policy. It provides coverage to other individuals or entities that were not originally named in the policy, typically required in various contracts and agreements.
• Proof of Workers' Compensation Coverage: This document serves as proof that the employer has workers' compensation insurance, as required by law. It shows the policy number, effective dates, and coverage limits. It is necessary for businesses to prove they have coverage that protects their employees in case of work-related injuries.
• Business Automobile Liability Insurance Proof: This form verifies that a business has the required automobile liability insurance coverage for its vehicles. It provides details on the policy number, insured vehicles, coverage types, and limits of liability. This document is important for companies that use vehicles for business purposes, ensuring that they meet legal requirements and financial responsibilities in the event of an auto accident.

Collectively, these documents support the Texas 1560 form in painting a complete picture of an entity's insurance landscape. They are instrumental in ensuring that all contractual and legal requirements are met, providing peace of mind and protection to all parties involved in a contractual relationship. By understanding and properly managing these forms, individuals and businesses can better navigate the intricacies of insurance requirements, ensuring compliance and fostering trust among partners.

The ACORD 25 Certificate of Liability Insurance is similar to the Texas 1560 form as both serve as proof of insurance coverage for businesses. Like the 1560 form, the ACORD 25 enables organizations to provide information on various coverages, such as general liability and automobile policies, along with the insured's details, the insurance company's details, coverage limits, and policy effective dates. However, the ACORD 25 is more widely recognized across various states and sectors, providing a standardized format for evidencing insurance information.

The Workers' Compensation Certificate of Insurance closely aligns with the 1560 form's section dedicated to Workers' Compensation Insurance. This document also confirms an employer's compliance with state laws requiring coverage for employee work-related injuries or illnesses. It specifies the policy number, effective dates, and coverage limits, ensuring the policy adheres to statutory requirements. Both documents act to verify that an entity is carrying the necessary workers' compensation insurance, with distinctions primarily in format and specific informational requirements.

The Automobile Insurance Identification Card shares similarities with the Business Automobile Policy section of the Texas 1560 form. Both identify the insured party, the insurance provider, and policy specifics such as policy numbers, effective dates, and types of covered autos. Additionally, they detail coverage amounts, specifically minimum liability limits required by law, ensuring that the entity possesses adequate insurance for its vehicles. The primary purpose of both documents is to provide proof of insurance coverage for vehicles used in business operations.

An Umbrella Policy Certificate of Insurance is analogous to the Umbrella Policy section on the Texas 1560 form, as both document the existence of umbrella liability coverage over and above the limits of the underlying liability policies. They specify the insurer, the policy's effective and expiration dates, and importantly, the coverage limits that serve to protect the insured against significant claims. While detailing comprehensive liability coverage, both seek to confirm that an entity has sufficient insurance protection beyond standard policy limits.

Completing the Texas 1560 form accurately is crucial for ensuring your insurance documentation meets the Texas Department of Transportation's requirements. Here are nine important dos and don'ts to keep in mind:

• Do provide all requested information thoroughly to avoid any delays or issues with your submission.
• Do ensure the Worker's Compensation Policy includes a Waiver of Subrogation in favor of TxDOT, as this is a mandatory requirement.
• Do fax or mail the completed form directly to the address listed on the form, confirming the delivery method preferred by the department.
• Do list the contractor's legal company name as the insured, including the DBA name if applicable, for clear identification.
• Do make sure the insurance is active and will not expire before the work’s completion. Update the certificate at least one business day before expiration to avoid work suspension.
• Don't use binder numbers as substitutes for policy numbers. Real policy numbers must be provided.
• Don't refer to specific projects or contracts on this form to ensure the form’s proper processing and adherence to guidelines.
• Don't over-stamp or over-type entries on the certificate in a manner that changes its provisions. Ensure all entries remain clear and accurate to the original document.
• Don't complete this form unless you have ensured the Worker's Compensation coverage includes a Waiver of Subrogation in favor of TxDOT, as without it, the form cannot be processed.

Following these guidelines will help ensure that your form 1560 submission is compliant, accurate, and processed efficiently by the Texas Department of Transportation.

When navigating the requirements and implications of the Texas 1560 form, several misconceptions commonly arise. Understanding these misconceptions is crucial for ensuring compliance and accurately managing expectations regarding insurance coverage and requirements for projects involving the Texas Department of Transportation (TxDOT).

• Misconception 1: Copies of endorsements are needed when submitting the form.

  The form clearly states that copies of endorsements listed are not required as attachments to this certificate, focusing instead on the accurate completion of information on the form itself.

• Misconception 2: The certificate grants additional rights to the certificate holder.

  Contrary to what some might assume, the certificate is issued as a matter of information only and does not confer any rights upon the certificate holder beyond the policies referenced.

• Misconception 3: The terms of the certificate override the policies referenced.

  In fact, the policies referenced in the certificate control over the terms of the certificate itself, ensuring that existing policy terms remain paramount.

• Misconception 4: Binder numbers can be used for policy numbers.

  The instructions specifically state that binder numbers are not acceptable for policy numbers, emphasizing the need for actual policy details.

• Misconception 5: Specific projects or contracts should be referred to on the form.

  There is a clear directive not to refer to specific projects/contracts on this form, aligning with the requirement for general applicability.

• Misconception 6: The certificate alone is sufficient for all TxDOT contracts indefinitely.

  While the certificate, once on file, is adequate for subsequent department contracts, this is predicated on the coverage being in effect and relevant to the specific work being conducted.

• Misconception 7: Staff leasing services cannot be listed as the insured.

  If a staff leasing service is providing insurance to the contractor/client company, it can be listed as the insured, correctly showing the relationship between parties.

• Misconception 8: Over-stamping and/or over-typing entries on the certificate is allowed for corrections.

  Such modifications are not acceptable if they change the provisions of the certificate in any manner, ensuring the integrity of the originally provided information.

• Misconception 9: Group health or accident insurance can substitute for Workers' Compensation Insurance.

  Group health or accident insurance is explicitly not an acceptable substitute for Workers' Compensation Insurance, underscoring the specific insurance requirements for contractors working with TxDOT.

Clearing up these misconceptions helps facilitate smoother interactions with TxDOT, ensuring that contractors are adequately insured and compliant with state requirements. Always refer to the most current guidance from TxDOT and consult with a professional if in doubt about specific insurance requirements or form instructions.

Filing the Texas 1560 form correctly is crucial for contractors and agents to ensure compliance with insurance requirements for projects involving the Texas Department of Transportation (TxDOT). Here are key takeaways to consider:

• All requested information must be provided by the agent, confirming that the insurance policies listed are in full force.
• The certificate of insurance is considered adequate proof of insurance for TxDOT contracts, provided it shows the policies are still active.
• Workers' Compensation Insurance must include a Waiver of Subrogation in favor of TxDOT, emphasizing the form's importance in contract compliance.
• Commercial General Liability and Business Automobile Policy limits are set at no less than $600,000 each occurrence and $600,000 combined single limit for Bodily Injury and Property Damage, respectively, indicating minimum coverage amounts.
• The certificate needs to be faxed or mailed to TxDOT one business day before the existing coverage expiration date to avoid work suspension, which underscores the importance of timely submissions.
• Specific instructions are given regarding how to list the insured, addressing both contractors and staff leasing services, to ensure clarity and accuracy.

Ensuring all conditions and requirements are met on the Texas 1560 form is vital for contractors to maintain eligibility and compliance with TxDOT's insurance requirements. Accurate and timely submission of this form helps in the seamless continuation of contracted work.