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EXHIBIT D INSURANCE REQUIREMENTS CONTRACTOR must provide OWNER with proof that it has insurance as follows : a . Workers ' Compensation — to meet statutory limits in compliance with the Workers ' Compensation Law of Florida . This policy must include Employer Liability with a limit of $ 100 , 000 for each accident , $ 500 , 000 disease ( policy limit) and $ 100 , 000 disease ( each employee ) . b . 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/Complete Operations ■ Contractual Liability ■ Independent Contractors C , Business Auto 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 : ■ Owned Autos ■ Hired Autos ■ Non - Owned Autos The required insurance shall be evidenced by delivery to the County of 1 ) certificates of insurance executed by the insurers listing coverages and limits , expiration dates and terms of policies and all endorsements whether or not required by the County , and listing all carriers issuing such policies ; and 2 ) upon request , a certified copy of each policy , including all endorsements . The insurance requirements shall remain in effect throughout the term of this Agreement . Each insurance policy shall include the following conditions by endorsement to the policy : 1 . . Contractor shall also notify County , in a like manner , within twenty-four ( 24 ) hours after receipt , of any notices of expiration , cancellation , nonrenewal , or material change in coverage received by Contractor from its insurer ; and nothing contained herein shall absolve Contractor of this requirement to provide notice . 2 . Companies issuing the insurance policy , or policies , shall have no recourse against County for payment of premiums or assessments for any deductibles which all are at the sole responsibility and risk of Contractor . 3 . The term " County" or " Indian River County" shall include all Authorities , Boards , Bureaus , Commissions , Divisions , Departments , and Offices of County and individual members , employees thereof in their official capacities , and /or while acting on behalf of Indian River County . 4 . Indian River County Board of County Commissioners shall be endorsed to the required policy or policies as an additional named insured . 5 . The policy clause " Other Insurance " shall not apply to any insurance coverage currently held by County to any such future coverage , or to County ' s self- insured retention of whatever nature . County hereby waives subrogation rights for loss or damage against the County .