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officers, officials, employees, or volunteers shall be excess of the Consultant'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 Consultant'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 />5. 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 Consultant 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 />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, Consultant must purchase "extended <br />reporting" coverage for a minimum of three years after completion of work. <br />9. Verification of Coverage: Consultant 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 Consultant'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 />10. Subcontractors: Consultant shall require and verify that all subcontractors maintain <br />insurance meeting all the requirements stated herein, and Consultant shall ensure that <br />City is an additional insured on insurance required from subcontractors. <br />