A. The applicant/sponsor of an event must possess or obtain public liability insurance to protect against loss from liability imposed by law for damages on account of bodily injury and property damage arising from the event. Insurance coverage must be maintained for the duration of the event.
B. Coverage shall consist of the following:
1. General Liability. The applicant/sponsor shall maintain general liability coverage with a minimum one million dollar combined single limit per occurrence for bodily injury, personal injury and property damage. If commercial general liability insurance or other form with a general aggregate limit is used, either the general aggregate limit shall apply separately to this event or the general aggregate limit shall be twice the required current limit.
2. Worker's Compensation Insurance. The applicant/sponsor shall maintain Worker's Compensation and Employers Liability insurance for all of its employees as required by the Labor Code and employer's liability limits of one million dollars per accident.
3. Automobile Liability. The applicant/sponsor shall maintain automobile liability insurance covering bodily injury and property damage in an amount of not less than one million dollars combined single limit for each occurrence.
C. Endorsements. A copy of the policy or certificate of insurance, along with all the necessary endorsements, must be filed with the chief of police no less than five days before the date of the event unless the chief of police for good cause waives the filing deadline. The following endorsements must be indicated on the policy and/or the certificate:
1. The city, its board, officers and employees are additionally insured under the policy as to the activities and operations being performed under this agreement and/or license;
2. The coverage is primary and no other insurance carried by applicant/sponsor will be called upon to contribute to a loss under this coverage;
3. The policy covers blanket contractual liability;
4. The policy limits of liability are provided on an occurrence basis;
5. The policy covers broad form property damage liability;
6. The policy covers personal injuries as well as bodily injury liability;
7. If alcoholic beverages are sold or served, the products liability coverage must include a liquor liability endorsement;
8. The policy covers products and completed operations;
9. The policy covers use of non-owned automobiles;
10. The coverage shall not be canceled nor materially altered unless thirty days' written notice is given to licensor.
D. The special event permit shall not be issued until after the insurance policy or certificate of insurance, along with necessary endorsements, have been filed by the applicant/sponsor and approved by the chief of police.
E. The insurance requirements of subsections A through C of this section shall be waived by the chief of police for nonathletic events if the following conditions are satisfied:
1. The applicant or an office of the sponsoring organization signs a verified statement that he or she believes the event's purpose is First Amendment expression, and that he or she has determined that the cost of obtaining insurance is so financially burdensome that it would constitute an unreasonable burden on the right of First Amendment expression; or
2. That it has been impossible to obtain insurance coverage. The statement shall include the name and address of one insurance agent or other source for insurance coverage contacted to determine insurance premium rates for insurance coverage. (Ord. 581 § 1, 1996: Ord. 481 § 1(part), 1986).