16.32.370 Insurance requirements.
Construction shall not commence, or continue, until or unless there is in full force and effect all required insurance. The owner shall not permit any work to be done unless and until the worker’s compensation insurance and liability insurance requirements have been complied with.
The types of insurance the owner’s contractor shall obtain and maintain are worker’s compensation insurance and liability insurance, all as set forth herein.
Worker’s compensation insurance and liability insurance shall be maintained in full force and effect for the full warranty period of one year from the date of final acceptance of the work.
Insurers must be authorized to do business and have an agent for service of process in California and have an "A" policyholder’s rating and a financial rating of at least Class XI in accordance with the most current Best’s Rating.
As evidence of specified insurance coverage, the owner shall provide certificates of insurance and endorsements to the city on the forms provided as a part of these improvement standards. No alteration or substitution of said forms will be allowed.
Coverage amounts and limits to be provided for worker’s compensation and liability insurance shall be as specified in the contract.
A. Worker’s Compensation Insurance. The owner shall provide a certificate(s) of insurance to the city certifying that his contractor has obtained for the period of the contract full worker’s compensation insurance coverage for all persons whom the contractor employs or may employ in carrying out the work under the contract. This insurance shall be in strict accordance with the requirements of the most current and applicable state worker’s compensation insurance laws.
B. Liability Insurance. The owner shall provide a certificate(s) of insurance to the city showing his contractor has the liability insurance coverage stated in the contract.
Included in such insurance shall be a "cross liability" or "severability of interest" clause.
As applicable, the liability insurance coverage shall include each of the following types of insurance:
1. General Liability.
a. Comprehensive form;
b. Premises--Operations;
c. Explosion and collapse hazard;
d. Underground hazard;
e. Products/completed operations hazard;
f. Contractual insurance;
g. Broad form property damage including completed operations;
h. Independent contractors;
i. Personal injury.
2. Automobile Liability.
a. Comprehensive form including loading and unloading;
b. Owned;
c. Hired;
d. Non-owned.
The liability insurance shall include as additional insureds: the city, the city engineers, their consultants, all other city consultants and each of their directors, officers, agents and employees. The insurance afforded to these additional insureds shall be primary insurance. If the additional insureds have other insurance which might be applicable to any loss, the amount of the insurance provided under this section on liability insurance shall not be reduced or prorated by the existence of such other insurance. (Ord. 617 §2 (Exh. A), 2011; Ord. 474, 2002).