(A) No permit shall be granted, nor be effective, until the applicant files with the city a certificate of insurance by an insurance company authorized to do business in the State of Minnesota, evidencing the following forms of insurance:
(1) Commercial general liability insurance, with a limit of not less than $1,500,000 each occurrence. If such insurance contains an annual aggregate limit, the annual aggregate limit shall be not less than $2,000,000;
(2) Automobile liability insurance with a limit of not less than $2,000,000 combined single limit. The insurance shall cover liability arising out of any auto, including owned, hired, and non-owned vehicles;
(3) Food products liability insurance, with a limit of not less than $1,000,000 each occurrence;
(4) Public liability insurance, with a limit of not less than $1,000,000 each occurrence;
(5) Property damage insurance, with a limit of not less than $1,000,000 each occurrence;
(6) Workers compensation insurance (statutory limits) or evidence of exemption from state law; and
(7) The city shall be endorsed as an additional insured on the certificate of insurance and any umbrella/excess insurance if the applicant intends to operate its mobile food unit on public property.
(B) Permittees may achieve the insurance limits and coverage required in this section through a combination of primary and excess or umbrella liability insurance, provided such primary and excess or umbrella liability insurance policies result in the same or greater coverage as the coverages specifically required under this section, and in no event shall any excess or umbrella liability insurance provide narrower coverage than the primary policy. The excess or umbrella policy shall not require the exhaustion of the underlying limits only through the actual payment by the underlying insurers.
(C) The certificate of insurance shall state that the insurance has been endorsed to require that the city be notified 10 days in advance of cancellation of the policy or a material modification of a coverage term.
(Ord. 2021-09-07D, passed 9-7-2021)