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The Texas 1560 form is a Certificate of Insurance used to demonstrate that certain insurance policies are in effect for contractors working with the Texas Department of Transportation (TxDOT). This form must be completed by agents and submitted directly to TxDOT to ensure compliance with insurance requirements. Timely submission is crucial, as failure to provide an updated form may result in work suspension.

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The Texas 1560 form, officially known as the Certificate of Insurance, is an essential document for contractors working with the Texas Department of Transportation (TxDOT). This form serves to confirm that specific insurance policies are in place, ensuring compliance with state regulations. It requires detailed information about various types of insurance coverage, including Workers' Compensation, Commercial General Liability, and Business Automobile policies. Each section of the form mandates the inclusion of the insurance carrier's name, contact details, policy numbers, effective dates, and limits of liability. Notably, the Workers' Compensation coverage must be endorsed with a Waiver of Subrogation in favor of TxDOT. The form is designed to protect both the contractor and the state by clearly outlining the insurance obligations. It is important to remember that this certificate does not grant any rights beyond what is stated in the actual insurance policies referenced. Therefore, accuracy in completing the form is crucial, as any errors or omissions could lead to complications in the contractor's ability to perform work. Agents are instructed to submit the completed form directly to TxDOT, ensuring that it is received one business day before any insurance expiration to avoid work suspension.

Dos and Don'ts

When filling out the Texas 1560 form, keep the following guidelines in mind:

  • Do provide all requested information accurately.
  • Do ensure the Workers' Compensation policy is endorsed with a Waiver of Subrogation in favor of TxDOT.
  • Do use the contractor's legal company name, including any DBA (doing business as) names.
  • Do submit the form by fax or mail to the address listed on the form.
  • Do make sure the insurance is in force prior to performing any work.
  • Don't use binder numbers as policy numbers.
  • Don't refer to specific projects or contracts on the form.
  • Don't make any changes to the pre-printed limits without striking through the old limit.
  • Don't submit the form without the agent's original signature.
  • Don't use private automobile liability insurance as a substitute for a Business Automobile Policy.

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What is the purpose of the Texas 1560 form?

The Texas 1560 form, also known as the Certificate of Insurance, serves to provide proof of insurance coverage for contractors working with the Texas Department of Transportation (TxDOT). It confirms that the required insurance policies, including Workers' Compensation, Commercial General Liability, and Business Automobile Policy, are in effect. This form is essential for ensuring compliance with TxDOT's insurance requirements, which helps protect both the contractor and the state.

Who is required to complete the Texas 1560 form?

Any contractor who has employees, including relatives, and intends to perform work for TxDOT must complete the Texas 1560 form. This includes contractors using staff leasing services. The form must be filled out by an authorized agent who can provide all the requested information, ensuring that the insurance policies meet the minimum coverage requirements set by TxDOT.

What are the minimum insurance coverage requirements for the Texas 1560 form?

The Texas 1560 form specifies minimum insurance coverage requirements as follows:

  • Workers' Compensation Insurance: Statutory coverage as per Texas Workers' Compensation Law.
  • Commercial General Liability Insurance: At least $600,000 for each occurrence.
  • Business Automobile Policy: A combined single limit of at least $600,000 for bodily injury and property damage.

These minimums are crucial for compliance, and any higher limits provided by the insurance policy should be noted on the form.

How should the completed Texas 1560 form be submitted?

Once completed, the Texas 1560 form should be submitted directly to the Texas Department of Transportation. This can be done either by faxing it to 512/416-2536 or mailing it to the address specified on the form. It's important to ensure that the form reaches TxDOT at least one business day prior to the expiration date of the insurance coverage to avoid any work suspension. The form must include the authorized agent's original signature to be valid.

How to Use Texas 1560

Completing the Texas 1560 form is an important step in ensuring compliance with insurance requirements. After filling out the form, it should be sent directly to the Texas Department of Transportation, either by fax or mail. Ensure that all information is accurate and complete to avoid any delays in processing.

  1. Begin by entering the name of the insured party in the designated field.
  2. Provide the street or mailing address, including city, state, and zip code.
  3. Include a phone number for the insured party.
  4. For Workers' Compensation Insurance, fill in the carrier name and phone number, along with the carrier's address, city, state, and zip code.
  5. Indicate the type of insurance and enter the policy number, effective date, and expiration date.
  6. Specify the limits of liability for Workers' Compensation as "Statutory - Texas."
  7. For Commercial General Liability Insurance, repeat the steps for entering the carrier information, type of insurance, policy number, effective date, expiration date, and limits of liability, which should be not less than $600,000 for each occurrence.
  8. Next, provide the details for the Business Automobile Policy, including carrier information, policy number, effective date, expiration date, and limits of liability, which should be not less than $600,000 combined single limit for bodily injury and property damage.
  9. If applicable, complete the section for the Umbrella Policy with the required carrier information, policy number, effective date, expiration date, and limits of liability.
  10. Sign the form as the authorized agent and include the date of signing.
  11. Finally, fax or mail the completed form to the Texas Department of Transportation at the address provided on the form.

Common mistakes

Filling out the Texas 1560 form can be straightforward, but mistakes can lead to delays or complications. One common error occurs when individuals fail to provide complete information. Every section of the form must be filled out accurately, including the insured's name, address, and contact details. Leaving any field blank can cause the form to be rejected or returned for corrections.

Another frequent mistake is using outdated versions of the form. The Texas 1560 form has specific revisions, and using an older edition can lead to compliance issues. Always ensure that you are using the most recent version, as indicated in the form itself. This simple step can save time and prevent unnecessary problems.

People also often overlook the requirement for a Waiver of Subrogation in favor of TxDOT for the Workers' Compensation Insurance. This endorsement is essential. Without it, the form may not meet the necessary criteria, leading to potential work suspensions. It is crucial to double-check that this endorsement is included before submission.

Inaccurate policy numbers are another common pitfall. Entering a binder number instead of the actual policy number can result in the form being deemed invalid. Always verify that the correct policy number is entered, as this information is critical for the Texas Department of Transportation to confirm coverage.

Moreover, many people fail to understand the significance of the limits of liability. Pre-printed limits are the minimum required, but if your policy offers higher limits, you should enter those amounts and clearly strike through the pre-printed figures. This ensures that your coverage is accurately represented and meets the necessary requirements.

Lastly, agents sometimes neglect to sign the form. The signature of the authorized agent is a mandatory component of the submission. Without it, the form cannot be processed. Always ensure that the form is signed before sending it to avoid unnecessary delays.

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