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12. Insurance. During the term of this Agreement, Consultant shall maintain in full force and effect, at <br /> its own cost and expense, insurance coverages with insurers with an A.M. Best's rating of no less than <br /> A:VII. Contractor shall have the obligation to furnish City, as additional insured, the minimum <br /> coverages identified below, or such greater or broader coverage for City, if available in the Contractor's <br /> policies: <br /> a. General Liability and Bodily Injury Insurance. Commercial general liability insurance <br /> with limits of at least$2,000,000 combined limit for bodily injury and property damage <br /> that provides that the City, its officers, employees and agents are named as additional <br /> insureds under the policy as evidenced by an additional insured endorsement satisfactory <br /> to the City Attorney. The policy shall state in writing either on the Certificate of <br /> Insurance or attached rider that this insurance will operate as primary insurance for work <br /> performed by Consultant and its subconsultants, and that no other insurance effected by <br /> City or other named insured will be called on to cover a loss. <br /> b. Automobile Liability Insurance. Automobile liability insurance with limits not less than <br /> $2,000,000 per person/per occurrence. <br /> c. Workers' Compensation Insurance. Workers' Compensation Insurance for all of <br /> 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 amount of <br /> $2,000,000. <br /> e. Certificate of Insurance. Consultant shall file a certificate of insurance with the City <br /> prior to the City's execution of this Agreement, and prior to engaging in any operation or <br /> activity set forth in this Agreement. The Certificate of Insurance shall provide in writing <br /> that the insurance afforded by this Certificate shall not be suspended, voided, canceled, <br /> reduced in coverage or in limits without providing notice to the City in accordance with <br /> California Insurance Code section 677.2 which requires the notice of cancellation to: 1) <br /> include the effective date of the cancellation; 2) include the reasons for the cancellation; <br /> and 3)be given at least 30 days prior to the effective date of the cancellation, except that <br /> in the case of cancellation for nonpayment of premiums or for fraud, the notice shall be <br /> given no less than 10 days prior to the effective date of the cancellation. Notice shall be <br /> sent by certified mail, return receipt requested. In addition, the insured shall provide <br /> thirty (30) days prior written notice to the City of any cancellation, suspension, reduction <br /> of coverage or in limits, or voiding of the insurance coverage required by this agreement. <br /> The City reserves the right to require complete certified copies of policies. <br /> f. Waiver of Subrogation. The insurer agrees to waive all rights of subrogation against the <br /> City, its officers, employees and agents. <br /> g. Defense Costs. Coverage shall be provided on a"pay on behalf of' basis, with defense <br /> costs payable in addition to policy limits. There shall be no cross-liability exclusions. <br /> 3IPage <br />