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policy limit and $ 100 , 000 disease each employee; . Such policy shall include a waiver of subrogation as against Owner on account of injury sustained by an emp 'loyee(s) of the Contractor. 2 . Commercial General Liability : A per occurrence form policy, including Premise Operations , Independent Contractors , Products and Completed Operations including X, C , U (Explosion , Collapse , Underground) Broad Form Property Damage, Broad Form Property Damage Endorsement, with a combined single limit of not less than $ 3 , 000 , 000 general aggregate to include products/completed operations , personal injury/advertising liability, fire damage /legal liability, and medical payments . Limits can be layered with an Excess Liability Policy (Umbrella) . 3 . Business Auto Liability : Coverage shall include Owned vehicles and Hired/Non-Owned vehicles , for a combined single limit (bodily injury and property damage) of not less than $ 3 , 000 , 000/combined single limit (Bodily Injury/Property Damage) ; personal injury protection -- statutory limits ; $ 1 , 000 , 000 uninsured/underinsured motorist ; $ 1 , 000 , 000/hired/non -owned auto liability . Limits can be layered with Excess Liability Policy (Umbrella) . 4 . Contractor ' s Builders ' Risk "All Risk" Insurance : — Contractor ' s Builders ' Risk "All Risk" Insurance : — All risk coverage with limits equal to one hundred percent ( 100 %) of the completed value of the Work. There shall be a waiver of occupancy endorsement to enable the; Owner to occupy the facility under construction during such activity. The policy must be endorsed to provide machinery/equipment endorsement during transit and installation, and Owner direct purchase materials . The maximum deductible under this coverage is $ 10 , 000 per claim, except Wind Storm coverage which will have a maximum deductible equal to 2 percent of the completed value of the work. In accordance with Article 10 of the Agreement, Indian River County as Owner shall pay the full amount of any and all deductibles incurred for any loss of Owner direct purchased materials where such loss result from either ( 1 ) the negligence of Indian River County as Owner or (2 ) a force majeure event beyond the control of Owner or Contractor. Notwithstanding the foregoing, Contractor is responsible for risk of loss to Owner direct purchased materials attributable to the negligence of Contractor or its agents . 5 . All risk coverage with limits equal to one hundred percent ( 100%) of the completed value of the Work . There shall be a waiver of occupancy endorsement to enable the Owner to occupy the facility under construction during such activity. The policy must be endorsed to provide machinery/equipment endorsement during transit and installation , and Owner direct purchase materials , if any. The maximum deductible under this coverage is $ 10 , 000 per claim . 6 . Flood Insurance - Contractor shall maintain coverage when the buildings or structures are located within an identified special flood hazard area . Such flood insurance shall protect the interests of the Contractor and the County and shall be afforded for the lesser of the total insurable value of such buildings or structures , or, the maximum amount of flood insurance coverage available under the National Flood Insurance Program . D . Insurance Requirements — Ten ( 10) days prior to the commencement of any Work under the Contract, a certificate of insurance shall be provided to the Indian River County Risk Manager for review and approval . The certificate shall provide that : ( a) Indian River County (as Owner) and Camp Dresser & McKee Inc . be named as an additional insured on the commercial general liability, auto liability, and Contractor ' s Builders ' Risk "All Risk" insurance policies ; (b ) the Contractor ' s insurance; coverage shall be primary ; and (c) Indian River County (as Owner) and Camp Dresser & McKee Inc . will be given thirty (30 ) days ' notice prior to cancellation or modification of any required insurance and such notice shall be in writing by registered mail , return receipt requested and addressed to the Indian River County Risk Manager. It shall be the responsibility of the Contractor to ensure that all subcontractors comply with all insurance requirements of this Contract E . All coverage shall be maintained without interruption from date of commencement of Work and remain in effect at least until final payment and at all times thereafter when Contractor may be correcting, removing, or replacing defective Work in accordance with Paragraph 13 . 07 . In addition, with respect to completed operations insurance , and any insurance coverage written on a claims -made basis , such insurance shall remain in effect for at oo800 - 7