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endorsement that may be necessary to affect this waiver of subrogation, but this <br />provision applies regardless of whether or not the City has received a waiver of <br />subrogation endorsement from the insurer. <br />3. Primary Coverage: For any claims related to this contract, the Contractor's insurance <br />coverage shall be primary. Any insurance or self-insurance maintained by the City, its <br />officers, officials, employees, or volunteers shall be excess of the Contractor's <br />insurance and shall not contribute with it. <br />4. Severability of Interest: A severability of interest provision must apply for all the <br />additional insureds, ensuring that Contractor's insurance shall apply separately to each <br />insured against whom a claim is made or suit is brought, except with respect to the <br />insurer's limits of liability. <br />Notice of Cancellation: Each insurance policy required above shall provide that <br />coverage shall not be canceled, voided, reduced in coverage or in limits, non -renewed <br />by the carrier, or materially changed except after thirty (30) days prior written notice <br />has been given to City. Ten (10) days prior written notice shall be provided to City for <br />policy cancellation or non -renewal due to non-payment of premium. <br />6. Self -Insured Retentions: Self -insured retentions must be declared to and approved by <br />the City. The City may require Contractor to purchase coverage with a lower retention <br />or provide proof of ability to pay losses and related investigations, claim <br />administration, and defense expenses within the retention. <br />7. Acceptability of Insurers: Insurance is to be placed with insurers authorized to <br />conduct business in the state with a current A.M. Best's rating of no less than A:VII, <br />unless otherwise acceptable to the City. <br />8. Claims Made Policies: If any of the required policies provide coverage on a claims - <br />made basis: (1) the Retroactive Date must be shown and must be before the date of the <br />contract; (2) Insurance must be maintained and evidence of insurance must be provided <br />for at least three years after completion of work; (3) If coverage is canceled or non - <br />renewed, and not replaced with another claims -made policy form with a Retroactive <br />Date prior to the contract effective date, Contractor must purchase "extended reporting" <br />coverage for a minimum of three years after completion of work. <br />9. Verification of Coverage: Contractor shall furnish the City with original Certificates <br />of Insurance including all required amendatory endorsements (or copies of the <br />applicable policy language effecting coverage requiredby this clause) and a copy of the <br />Declarations and Endorsement Page of the CGL policy listing all policy endorsements <br />to City before work begins. However, failure to obtain the required documents prior to <br />the work beginning shall not waive the Contractor's obligation to provide them. <br />The City reserves the right to require complete, certified copies of all required insurance <br />policies, including endorsements required by these specifications, at any time. <br />