Scope

Including but not limited to vendors who supply equipment or other products to the Town and who perform other functions, such as installation or maintenance.

Insurance

Vendor shall procure and maintain for the duration of the contract insurance against claims for injuries to persons or damages to property, which may arise from or in connection with the products and materials supplied to the Town. The cost of such insurance shall be borne by the vendor.

Minimum Scope of Insurance

Coverage shall be at least as broad as:

• Insurance Services Office Commercial General Liability coverage ("occurrence" form CG 0001).
• Insurance Services Office form number CA 0001 covering Automobile Liability, code 1 (any auto), or code 8,9, if no owned auto.
• Worker’s Compensation insurance as required by the State of California and Employer’s Liability insurance. If no employees are utilized, the contractor shall sign a declaration as described in California Health and Safety Code Section 19825.

Minimum Limits of Insurance

Vendor shall maintain limits no less than:

• General Liability: $1,000,000 per occurrence for bodily injury and property damage, and an aggregate limit of $2,000,000.
• Automobile Liability: $2,000,000 per accident for bodily injury and property damage.
• Workers' Compensation statutory limit and Employer’s Liability: $1,000,000 per accident for bodily injury or disease.

Other Insurance Provisions

The General Liability policy is to contain, or be endorsed to contain, the following provisions:

• The Town, its officers, officials, employees and volunteers are to be covered as insured’s with respect to products of the vendor.
• The vendor's insurance coverage shall be primary insurance as respects the Town, its officers, officials, employees and volunteers. Any insurance or self-insurance maintained by the Town, its officers, officials, employees or volunteers shall be excess of the vendor's insurance and shall not contribute with it.
• Each insurance policy required by this clause shall be endorsed to state that coverage shall not be canceled, except after thirty (30) days prior written notice by certified mail, return receipt requested, has been given to the Town.
• The Worker’s Compensation policy is to be endorsed with a waiver of subrogation. The insurance company, in it’s endorsement, agrees to waive all rights of subrogation against the Town, its officers, officials, employees and volunteers for losses paid under the terms of this policy which arises from the work performed by the named insured for the Town.

Deductibles and Self-Insurance Retentions

Any deductible or self-insured retention must be declared to and approved by the Town. If possible, the insured shall reduce or eliminate such deductibles or self-insured retentions as respects the Town, its officers, officials, employees and volunteers; or shall provide evidence satisfactory to the Town guaranteeing payment of losses and related investigations, claim administration and defense expenses.

Acceptability of Insurers

Insurance is to be placed with insurers with a current A.M. Best's rating of no less than A:VII, unless otherwise acceptable to the Town.

Verification of Coverage

Vendor shall furnish the Town with original certificates and amendatory endorsements effecting coverage required by this clause. The endorsements should be on forms provided by the Town or on other than the Town's forms provided those endorsements conform to the Town’s requirements. All certificates and endorsements are to be received and approved by the Town before work commences. The Town reserves the right to require complete, certified copies of all required insurance policies, including endorsements affecting the coverage required by these specifications at any time