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Consultant from its obligation under this paragraph. To the extent that there is an obligation to <br /> indemnify under this Section 13, Consultant shall be responsible for incidental and consequential <br /> damages resulting directly or indirectly, in whole or in part, from Consultant's negligence, <br /> reckless or willful misconduct. <br /> Such obligations to defend, hold harmless and indemnify any Indemnitee shall not apply <br /> to the extent such Liabilities are caused by the sole negligence, active negligence or willful <br /> misconduct of such Indemnitee. Obligation to defend shall be proportionate as to Consultant's <br /> percentage of fault as provided in California Civil Code § 2782.8. <br /> 14. Insurance. During the term of this Agreement, Consultant shall maintain in full <br /> force and effect, at its own cost and expense, insurance coverages with insurers with an A.M. <br /> Best's rating of no less than A:VII. Contractor shall have the obligation to furnish City, as <br /> additional insured, the minimum coverages identified below, or such greater or broader coverage <br /> for City, if available in the Contractor's policies: <br /> a. General Liability and Bodily Injury Insurance. Commercial general <br /> liability insurance with limits of at least $2,000,000 combined limit for bodily injury and <br /> property damage that provides that the City, its officers, employees and agents are named <br /> additional insureds under the policy. The policy shall state in writing either on the <br /> Certificate of Insurance or attached rider that this insurance will operate as primary <br /> insurance for work performed by Consultant and its subconsultants, and that no other <br /> insurance effected by City or other named insured will be called on to cover a loss. <br /> b. Automobile Liability Insurance. Automobile liability insurance with limits <br /> not less than $2,000,000 per person/per occurrence. <br /> c. Workers' Compensation Insurance. Workers' Compensation Insurance for all <br /> of Consultant's employees, in strict compliance with State laws, including a waiver of <br /> subrogation and Employer's Liability Insurance with limits of at least$1,000,000. <br /> d. Professional Liability Insurance. Professional liability insurance in the <br /> amount of$2,000,000. <br /> e. Certificate of Insurance. Consultant shall file a certificate of insurance with <br /> the City prior to the City's execution of this Agreement, and prior to engaging in any operation <br /> or activity set forth in this Agreement. The Certificate of Insurance shall provide in writing that <br /> the insurance afforded by this Certificate shall not be suspended, voided, canceled,reduced in <br /> coverage or in limits without providing notice to the City in accordance with California <br /> Insurance Code section 677.2 which requires the notice of cancellation to: 1) include the <br /> effective date of the cancellation; 2) include the reasons for the cancellation; and 3)be given at <br /> least 30 days prior to the effective date of the cancellation, except that in the case of cancellation <br /> for nonpayment of premiums or for fraud, the notice shall be given no less than 10 days prior to <br /> the effective date of the cancellation. Notice shall be sent by certified mail, return receipt <br /> requested. In addition, the insured shall provide thirty (30)days prior written notice to the City <br /> of any cancellation, suspension, reduction of coverage or in limits, or voiding of the insurance <br /> coverage required by this agreement. The City reserves the right to require complete certified <br /> copies of policies. <br /> Page 4 of 7 <br />