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<br /> 4 <br />12. INSURANCE. <br /> 12.1. Type and Amounts Required. Lessee shall, at its sole expense, procure and <br />maintain throughout the Term (plus such earlier and later periods as Lessee may be in occupancy <br />of the Premises) all of the following: <br />(a) Commercial general liability insurance including contractual liability coverage, <br />written on an “occurrence” policy form, covering bodily injury, property damage and personal <br />injury arising out of or relating (directly or indirectly) to Lessee’s operations, conduct, assumed <br />liabilities, or use or occupancy of the Property and the Premises naming the Indemnitees as <br />additional insureds, with minimum coverage in the amount of Two Million Dollars ($2,000,000) <br />per occurrence combined single limit for bodily injury and property damage and Four Million <br />Dollars ($4,000,000) in the aggregate; <br />(b) Evidence of Property insurance protecting Lessee against loss or damage by fire <br />and such other risks as are insurable under then available standard forms of “all risk” insurance <br />policies, covering Lessee’s personal property and trade fixtures in or about the Premises or the <br />Property, and any improvements and/or alterations in the Premises, in an amount not less than <br />one hundred percent (100%) of their actual replacement cost or highest insurable value, <br />stipulating the City as loss payee, as applicable; <br />(c) Workers’ compensation insurance in the statutory amounts shall be provided with <br />limits of not less than one million ($1,000,000) per accident. In the alternative, Lessee may rely <br />on a self-insurance program to meet these requirements, but only if the program of self-insurance <br />complies fully with the provisions of the California Labor Code; and <br />(d) Comprehensive automobile liability insurance with a minimum coverage of one <br />million dollars ($1,000,000) per occurrence, combined single limit. <br />The foregoing policies shall protect Lessee as named insured, and City and the other <br />Indemnitees as additional insureds, and if subject to deductibles shall provide for deductible <br />amounts not in excess of those approved in advance in writing by City in its reasonable <br />discretion. City reserves the right to increase the foregoing amount of required liability coverage <br />from time to time (but not more often than once each calendar year) to adequately protect <br />Indemnitees and to require that Lessee cause any of its contractors, vendors or other parties <br />conducting activities in or about or occupying the Premises to obtain and maintain insurance as <br />determined by City and as to which the Indemnitees shall be additional insureds. <br />12.2 Excess Coverage Liability Policy. Nothing in this Article shall prevent Lessee <br />from obtaining insurance of the kind and in the amounts provided for under this Section under an <br />excess coverage liability insurance policy covering other properties as well as the Premises; <br />provided, however, that any such policy of excess coverage liability insurance (i) shall specify <br />those amounts of the total insurance allocated to the Premises, which amounts shall not be less <br />than the amounts required by Section 12.1, (ii) such amounts so specified shall be sufficient to <br />prevent any one of the insureds from becoming a co-insurer within the terms of the applicable <br />policy, and (iii) shall, as to the Premises, otherwise comply with the requirements of this Article <br />as to endorsements and coverage.