(S-90) Insurance is mandatory when commingling of property, type of operation, circumstances of ownership, or condition of the contract make it necessary for the protection of the Government. Providing accountable property (e.g., laptops) to contractors is not commingling of property.

52.228-5 requires the KO to specify the types and amounts of Insurance needed.

Insert DITCO Additional Text H7, DITCO Minimum Insurance Requirement in the contract to specify minimum insurance required. See DARS PGI Attachment 1.