How does the addition of the footnote in SMART IRB Agreeemnt v2.0, Section 4.10, Insurance, affect the Agreement’s insurance provision?

The footnote states that federal agencies are not required to maintain liability coverage for their activities under the SMART IRB Agreement. NIH, for example, follows, among other processes, federal statutory requirements for determinations of liability coverage and thus cannot assure that all people affiliated with NIH and conducting research involving human subjects under the NIH Federalwide Assurance (FWA) will be included under NIH’s federal liability coverage.