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SECTION III - INSURANCE <br />1. Indemnification and Insurance. Concessionaire shall not commence work until all the <br />insurance required under this section has been obtained, and until such insurance has been <br />approved by the County. Concessionaire will purchase and maintain such insurance as follows: <br />A. Workers' Compensation Insurance: Concessionaire shall procure and maintain workers' <br />compensation insurance to the extent required by law for all her employees to be engaged in <br />work under this agreement. In case any employees are to be engaged in hazardous work <br />under this contract and are not protected under the workers' compensation statute, the <br />Concessionaire shall provide adequate coverage for the protection of such employees. <br />B. Public Liability Insurance: Concessionaire shall procure and shall maintain broad form <br />commercial general liability insurance (including contractual coverage) and commercial <br />automobile liability insurance in amounts not less than shown below. The County shall be an <br />additional named insured on this policy with respect to all claims arising out of the <br />operations or work to be performed. <br />C. Commercial General Liability <br />(other than automobile) <br />i) Premises/Operations <br />ii) Independent Contractors <br />iii) Products/Completed Operations <br />iv) Personal Injury <br />v) Contractual Liability <br />vi) Liquor Liability <br />D. Business Auto Liability <br />i) Owned/Leased Automobiles <br />ii) Non -Owned Automobiles <br />iii) Hired Automobiles <br />$500,000 combined single limit <br />for bodily injury and property damage <br />$1,000,000 <br />$500,000 combined single limit for bodily <br />injury and property damage <br />2. Proof of Insurance. Concessionaire shall furnish the County a certificate of insurance in <br />a form acceptable to the County for the insurance required. Such certificate or an endorsement <br />provided by Concessionaire must state that the County will be given thirty (30) days written <br />notice prior to cancellation or material change in coverage. Copies of an endorsement naming <br />County as Additional Insured must accompany the Certificate of Insurance. <br />3. General Requirements of Insurance. Any deductibles or self insured retentions greater <br />than $5,000 must be approved by the Risk Manager for Indian River County with the ultimate <br />responsibility for same going to Concessionaire. Concessionaire's insurance coverage shall be <br />primary. All above insurance policies shall be placed with insurers with a Best's rating of no less <br />that A - VII. The insurer chosen shall also be licensed to do business in Florida. The insurance <br />policies procured shall be per occurrence policies or as generally available on the open insurance <br />market. The Insurance Carriers shall supply Certificates of Insurance evidencing such coverage <br />to the Indian River County Risk Management Department within ten days of execution of this <br />Contract. The insurance companies selected shall send written verification to the Indian River <br />County Risk Management Department that they will provide 30 days written notice to the Indian <br />7 66 <br />