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<br />• <br />programs maintained by the CITY, and (c) contain <br />standard separation of insureds provisions. <br />(3) Business automobile liability insurance, or <br />equivalent form, with a combined single limit of <br />not less than $1,000,000 per occurrence. Such <br />insurance shall include coverage for owned, hired <br />and non-owned automobiles. <br />(4) Errors and omissions insurance with minimum limits <br />of liability of Five Hundred Thousand Dollars <br />($500,000) per claim and aggregate. <br />CONSULTANT shall (a) furnish properly executed <br />certificates of insurance to the DIRECTOR prior to <br />commencement of work under this AGREEMENT, which <br />certificates shall clearly evidence all coverages <br />required above and provide that such insurance shall not <br />be materially changed or terminated except on 30 days <br />prior written notice to the CITY; and (b) maintain such <br />insurance from the time work first commences until <br />completion of the work under this AGREEMENT; and (c) <br />replace such certificates for policies expiring prior to <br />completion of work under this AGREEMENT. <br />The DIRECTOR may waive or reduce the requirements of this <br />section if and to the extent the DIRECTOR determines them <br />to be unreasonably burdensome to the CONSULTANT and not <br />necessary for the protection of the CITY. <br />8 <br />