Unless waived by the City Engineer, before the issuance of any construction permit, the applicant shall demonstrate compliance with the insurance provisions of this section. No waiver shall be granted by the City Engineer unless, the nature of the construction work poses little or no risk to the public, as determined in writing by the City Engineer:
(a) The applicant shall maintain and file with the City a certificate evidencing a commercial general liability insurance policy(ies), issued by a company(ies) authorized to write insurance in the State and designating the City as an additional insured, in the minimum below stated amounts (or such other amounts as determined to be adequate by the City Engineer taking into consideration the nature and extent of the project). These limits are the City of Napoleon’s minimum requirements and may not fully protect interests of the contractor.
(1) Two million dollars ($2,000,000) each occurrence and a general aggregate of three million dollars ($3,000,000).
(2) An aggregate limit that is more than twenty-five percent (25%) impaired by either paid and/or reserved claims, must be replenished.
(3) Underground digging contracts shall include coverage for underground digging.
(4) There shall be automobile liability of one million dollars ($1,000,000) combined single limit.
(5) One million dollars ($1,000,000) excess liability or umbrella coverage for each accident arising out of the work to be performed pursuant to the construction permit or the prosecution of the work for which the construction permit is obtained or in any manner arising or growing out of the work necessary or incident to the issuance of the construction permit or that may be occasioned by reason of any work or anything else done pursuant to the construction permit. The insurance coverage shall be on an occurrence coverage basis so that the insurance required by this section shall provide coverage through the end of the period established by the applicable statute of limitations for all items insured; such insurance policy(ies) shall require written notification to the City thirty (30) days prior to any expiration or cancellation.
(b) The applicant shall show to the reasonable satisfaction of the City that the applicant has Workers Compensation insurance in effect at all times covering its obligations under the Workers Compensation statute.
(Ord. 80-03. Passed 10-6-03.)