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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. <br /> 4 <br />