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1010.03  LIABILITY INSURANCE.
   The required permit shall not be issued unless the permit applicant deposits with the Public Works Department required proof of insurance providing coverage for the Municipality, as well as the party doing the work, against any loss or damage to any person or property resulting from any act performed before completion of the work proposed.  The amount of insurance coverage required shall be determined by the following guidelines:  the extent of work involved in the proposed project; the manner in which the proposed project is to be completed; and the total approximate gross cost of the proposed construction project.
   A homeowner permit applicant not employing highway use equipment or vehicles, and proposing to perform all of the work completely on his or her own, and for his or her own residential realty, shall present a copy of the policy with a minimum limit of liability for property damage in the amount of at least one hundred thousand dollars ($100,000) per loss, and for bodily injury and wrongful death in the amount of at least one hundred fifty thousand dollars ($150,000) per person, plus at least three hundred thousand dollars ($300,000) total aggregate loss.  A homeowner permit applicant employing highway use equipment or vehicles and/or a contractor applicant shall present a policy having a minimum limit of liability for property damage in the amount of at least one hundred thousand dollars ($100,000) per loss, and for bodily injury and wrongful death in the amount of at least three hundred thousand dollars ($300,000) per person, plus at least one million dollars ($1,000,000) total aggregate loss.
   In the event the Public Works Director determines, under the guidelines set forth herein, that the minimum coverages required are insufficient to adequately cover the probable risks involved for a particular proposed construction project, then higher minimum limits shall be required in such insurance policy commensurate with the probable risks involved.
(Ord. 56-90.  Passed 3-26-90; Ord. 43-2014.  Passed 4-14-14.)