Consistent with the solicitation and contract, the Contractor/Professional agrees to obtain and keep in effect at all times during the term of this Contract the insurance policies indicated below:

Workers' Compensation - To include benefits and limits as required by the Code of Virginia, and to include Employers’ Liability insurance with at least the following coverage amounts:
- $100,000 per accident per employee
- $100,000 per disease per employee
- $500,000 policy limit by disease
Commercial General Liability - With at least the following coverage amounts, unless otherwise specified:
- $1,000,000 per occurrence, including contractual liability
- $2,000,000 General Aggregate (other than Products/Completed Operations)
- $2,000,000 Personal and Advertising Injury
- $100,000 Fire Damage Legal Liability
- Required Endorsement: The City of Charlottesville, its officers, employees, agents, and volunteers are additional insured parties as respects the scope of work performed under contract with the City.
Automobile Liability - Automobile Liability
Umbrella Liability - Umbrella Liability
Professional Liability - Professional Liability
Cyber Liability - Cyber Liability
Abuse and Molestation Liability - Abuse and Molestation Liability
Pollution Liability - Pollution Liability
Explosion, Collapse, and Underground Property Damage Liability - Explosion, Collapse, and Underground Property Damage Liability
Builder's Risk - Builder's Risk

NOTES REGARDING REQUIRED INSURANCE:

Concurrent policies. With regard to the Automobile Liability and Commercial General Liability policies, the total amount of coverage may be accomplished through any combination of primary and excess/umbrella insurance.
Insurance company. The required insurance policies must be issued by a company or companies authorized to conduct the business of insurance in Virginia, with a Financial Strength Rating of “A-” or better and a Financial Size Category of VII or higher by A.M. Best Rating Services, Inc., or other rating agency acceptable to the City.
Subcontractors. Contractor/Professional shall ensure that all subcontractors providing goods or services related to this Contract obtain and maintain in effect at all times during the term of this Contract, the required insurance policies.
Certificates of insurance and policies. Contractor/Professional shall provide the City with one or more certificate(s) of insurance confirming the insurance policies required by this Contract, signed by a person authorized by the insurance company to bind it to the representations contained therein. The certificate(s) shall be provided to the City by Contractor/Professional upon execution of this Contract and at other times throughout the term of this Contract, if requested by the City, within 10 days of such request. In addition, Contractor/Professional shall furnish the City with copies of the relevant insurance policies, if requested by the City, within 10 days of such request.

Effect of insurance: Compliance with insurance requirements shall not relieve Contractor/Professional of any responsibility to indemnify the City for any liability to the City, as specified in any other provision of the Contract.

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