An applicant must obtain all of the insurance required by this section. All costs and expenses are the responsibility of the applicant. All insurance coverage is subject to approval by the city and shall be maintained by the licensee during the term of the license. No work under the license shall be commenced until the requirements of this section have been satisfied.
A. The licensee shall obtain and maintain statutory workers' compensation insurance and employer's liability insurance, as required under the laws of the state of Minnesota. In the event the licensee is a sole proprietor and has not elected to provide workers' compensation insurance, the licensee shall be required to execute and submit an affidavit of sole proprietorship in a form satisfactory to the city.
B. The licensee shall obtain and maintain the following minimum coverage for comprehensive general liability (including premises-operations, independent contractors' protective; products and completed operations; and broad form property damage):
Bodily injury:
$1,000,000.00 per occurrence |
1,000,000.00 product and completed operations |
Property damage:
$1,000,000.00 per occurrence |
C. The licensee shall obtain and maintain the following minimum insurance coverage for personal injury liability (with employment related exclusion deleted): One million dollars ($1,000,000.00) per occurrence.
D. The licensee shall obtain and maintain the following minimum insurance coverage for comprehensive automobile liability (owned, nonowned, hired):
Bodily injury:
$1,000,000.00 per person |
1,000,000.00 per occurrence |
Property damage:
$1,000,000.00 per occurrence |
E. Insurance certificates evidencing that the insurance required by this section is in force with companies acceptable and licensed in the state of Minnesota, and in amounts required, shall be submitted for examination and approval prior to the execution of the license. Thereafter, the certificates shall be filed with the city. The insurance certificates shall specifically provide that a certificate shall not be modified, canceled or nonrenewed except upon thirty (30) days' prior written notice to the city. Neither the city's failure to require or insist upon certificates or other evidence tending to show a variance from the coverages specified in this section shall change a licensee's responsibility to comply with these insurance requirements. (Ord. 115, 11-20-2014)