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E. Insurance <br />1. During the term of this MOU, Friends will maintain in full force <br />and effect at its own cost and expense the following insurance coverage as minimums only, or <br />such greater or broader coverage if available in Friends' policies, with insures with an A.M. <br />Best's rating of no less than A:VII: <br />a. General Liability and Bodily Injury Insurance. <br />Commercial general liability insurance with limits of at least $1,000,000 combined limit for <br />bodily injury and property damage that provides that the City, its officers, employees and agents <br />are named additional insureds under the policy. The policy will state in writing either on the <br />Certificate of Insurance or attached rider that this insurance will operate as primary insurance for <br />work performed by Friends and its subcontractors, and that no other insurance effected by City <br />or other named insured will be called on to cover a loss. <br />2. Certificate of Insurance and Coverage. Friends will file a <br />certificate of insurance with City prior to the City's execution of this MOU, and prior to engaging <br />in any operation or activity set forth in this MOU. The Certificate of Insurance will provide in <br />writing that the insurance afforded by this Certificate will not be suspended, voided, canceled, <br />reduced in coverage or in limits without providing thirty (30) days prior written notice by <br />certified mail, return receipt requested, has been given to the City. In addition, the insured will <br />provide thirty (30) days prior written notice to the City of any suspension, cancellation, reduction <br />of coverage or in limits, or voiding of the insurance coverage required by this MOU. The City <br />reserves the right to require complete certified copies of policies. <br />The specific coverage obligations set forth in this Section are minimums only, and the Friends <br />will have the obligation to provide the minimum coverages stated in this MOU or such greater or <br />broader coverage, if available in the Friends' policies. <br />3. Waiver of Subrogation. The insurer agrees to waive all rights of <br />subrogation against the City, its officers, employees and agents. <br />4. Defense Costs. Coverage will be provided on a "pay on behalf of <br />basis, with defense costs payable in addition to policy limits. There will be no cross liability <br />exclusions. All coverages for subcontractors will be subject to all of the requirements stated in <br />this MOU, including but not limited naming additional insureds. <br />F. Indemnification <br />Friends will defend, indemnify, and hold harmless, the City and its officers, agents and <br />employees from and against all claims, losses, damage, injury, and liability for damages arising <br />from, or alleged to have arisen from, errors, omissions, negligent or wrongful acts of the Friends <br />