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or omission by the consultant or its employees or from any claims arising out of contract work. 5 . Independent Contractor. Both the Board and the Consultant agree that the Consultant will act as an independent contractor in the performance of its duties under this Agreement. Accordingly, the Consultant shall be responsible for payment of all taxes, including federal, state, and local taxes, arising out of the Consultant' s activities in accordance with this Agreement, including by way of illustration but not limitation, federal and state income tax, Social Security tax, unemployment insurance taxes, and any other taxes or business license fees as required . 6 . Insurance. The Consultant shall provide and maintain during the term of this Agreement, insurance written by a carrier licensed to do business in Florida. The carrier shall be rated A+ VII or better, per Best' s Key Rating Guide . A . Workers ' Compensation . Coverage shall provide statutory limits in compliance with the Workers ' Compensation Law of Florida. This policy must include Employers Liability with a limit of $ 100,000 for each accident, 5500,000 disease (policy limit), and $ 100,000 disease (each employee). 13 . Commercial General Liability. Coverage shall provide minimum limits of liability of $500,000 per occurrence combined single limit for bodily injury and property damage. This shall include coverage for premises/operations, products/completed operations, contractual liability, and independent contractors. C . Business Auto Liability. Coverage shall provide minimum limits of liability of $ 500,000 combined single limit for bodily injury and property damage. This shall include coverage for owned autos, hired autos, and non-owned autos . D. Special Requirements. Ten ( 10) days prior to the commencement of any work under this contract a certificate of insurance will be provided to the Risk Manager for review and approval . The certificate shall provide the following: 1 . Indian River County shall be named additional insured on both the commercial general liability and business auto liability policies. ? . The County will be given thirty (30) days written notice prior to the cancellation or modification of any stipulated insurance . Such notice will be in writing by registered mail, return receipt requested, and addressed to the Risk Manager. 3 . It is the responsibility of the Consultant to ensure that all subcontractors comply with all insurance requirements . 7. Non-Discrimination. Neither party shall unlawfully discriminate in any way as to race, creed, color, religion, age, sex, marital status, disability, or national origin in any respect in carrying out of the terns of this Agreement. All parties agree to comply with applicable provisions of all state and federal anti-discriminatory laws, including, but not limited to, the Civil Rights Act of 1963 , as amended; Section 504 of the Rehabilitation Act of 1973 , as amended; the Age Discrimination in Employment Act, as amended; and the Americans with Disabilities Act of 1990 .