§ 17-37. Provision of Insurance.

The contractor shall not commence work under this agreement until he has obtained all insurance required under this agreement and such insurance coverage has been approved by the City Manager of the City of Lake Wales, nor shall the Contractor allow any subcontractor to commence work on subcontracts until similar insurance of subcontractor has been obtained and approved.

A. Compensation insurance

Worker’s Compensation – The Contractor shall provide and maintain during the life of this agreement Worker’s Compensation Insurance for all of his employees who are employed in connection with the work. If the work is sublet, the Contractor shall require the subcontractor similarly to provide Worker’s Compensation Insurance for all the latter’s employees unless such employees are covered by the protection afforded the Contractor. In case and lass of employees engaged in hazardous work under this agreement is not protected under the Worker’s compensation Statute, the Contractor shall provide and shall cause each subcontractor to provide adequate insurance coverage for the unemployment compensation protection of his employees not under or otherwise protected. Coverage is to apply for all employees for statutory limits in compliance with the applicable state and federal laws. The policy must include Employer’s Liability with a limit of $3,000,000 each accident, $1,000,000 each employee, $1,000,000 policy limit for disease.

B. Public liability and property damage insurance

The Contractor shall provide and maintain during the life of this agreement, at his own expense, such public liability and property damage insurance as shall protect him and any subcontractor performing work covered by this agreement from claims for property damage which may arise from operation under this agreement, whether such operation be by himself or by a subcontractor, or anyone directly employed by the Contractor ow subcontractor. The amount of such insurance shall be as follows:

Commercial General Liability – Contractor shall maintain commercial general liability (CGL) insurance with a limit not less than $3,000,000 each occurrence. If such CGL insurance contains a general aggregate limit, it shall apply separately to this location/project in the amount of $6,000,000. Products and completed operations aggregate shall be $6,000,000. CGL insurance shall be written on an occurrence form and shall include bodily injury and property damage liability for premises, operations, independent contractors, products and complete operations, contractual liability, broad form property damage and property damage resulting from explosion, collapse or underground (x,c,u) exposures, personal injury and advertising injury. Fire damage liability shall be included at $100,000.

Commercial Automobile Liability Insurance – Contractor shall maintain automobile liability insurance with a limit of not less than $3,000,000 each accident for bodily injury and property damage liability. Such insurance shall cover liability arising out of an auto (including owned, hired and non-owned autos). The policy shall include contractual liability coverage.

C. Proof of insurance

The Contractor shall furnish the Finance Director prior to the start of any operations under this agreement with Certificates of Insurance. The Certificates are to be signed by a person authorized by the insurer to evidence coverage on its behalf. The City of Lake Wales is to be specifically included as an additional insured on all policies except Worker’s Compensation. In the event the insurance coverage expires prior to the completion of the contract, a renewal certificate shall be issued 30-days prior to said expiration date. All certificates of insurance must be on file with and approved by the City before the commencement of any work activities. To be acceptable to the City, each insurance certificate shall contain a clause substantially as follows: “Should any of the above-described policies be cancelled before the expiration date thereof, notice will be delivered within accordance with the policy provisions.”

(Ord. No. 2018-02, § 1, 02-20-2018)