The Iowa DOT standard specifications require that the Contractor shall have liability insurance covering all construction operations and that a "Certificate of Insurance" be on file with the Contracting Authority prior to awarding a contract. Prime contractors will "flow down" this requirement to their subcontractors as part of the subcontract agreement. The minimum coverage according to Iowa DOT SS 1107.02:
General Liability, including: Independent Contractors Contractual Liability, Products and Completed Operations
$500,000 Each Occurance
$250,000 Each Occurance
BODILY INJURY AND PROPERTY DAMAGE - COMBINED SINGLE LIMIT
$750,000 Each Occurance
Workmen's compensation insurance will be required according to the State of Iowa. Railroad liability insurance may be needed when the project is on the railroad right of way.