<div class="chunk-title">Sec. 22-60. - Insurance.</div>
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               The minimum insurance coverage which the franchisee shall procure and maintain at
               its sole cost and expense during the term of the franchise is as follows:
               
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                  (1)
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                  <span class="ital">Worker's compensation</span>, at the statutory limits in compliance with applicable state and federal laws.
                  </p>
               		
               
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                  (2)
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                  <span class="ital">Employer's liability</span>, with minimum limits of $1,000,000.00 each accident/$1,000,000.00 disease each employee/$1,000,000.00
                  disease policy limit.
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                  (3)
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                  <span class="ital">Commercial general liability</span>, covering all operations performed under the franchise with a minimum limit of $1,000,000.00
                  per occurrence with a $3,000,000.00 aggregate.
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                  (4)
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                  <span class="ital">Professional health care liability</span>, covering the franchisee's acts, errors, or omissions in the rendering of or failure
                  to render professional health care services with a minimum limit of $1,000,000.00
                  per occurrence with a $3,000,000.00 aggregate
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                  (5)
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                  <span class="ital">Business automobile liability</span>, covering all owned, non-owned, and hired vehicles used in performance of the contract.
                  The minimum combined single limit per occurrence shall be $1,000,000.00 and shall
                  include uninsured/underinsured motorist coverage per G.S. 20-279.21.
                  </p>
               		
               
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                  (6)
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                  <span class="ital">Excess or umbrella liability</span>, shall extend an additional $2,000,000.00 limit/$2,000,000.00 aggregate over the
                  underlying commercial general liability, professional health care liability, and business
                  auto liability insurance. Any additional insured under any policy of the underlying
                  insurance will automatically be an additional insured under this insurance.
                  </p>
               		
               
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               The franchisee shall provide the county with certificates of insurance evidencing
               the above amounts. The liability certificates shall name Buncombe County as additional
               insured under the policies. Before commencing work, the franchise shall furnish the
               county with certificates of insurance on an approved form. The certificates shall
               provide that policies shall not be canceled or changed until 30 days' written notice
               has been given to the county. All insurance shall be procured from reputable insurers
               authorized to do business in North Carolina.
               </p>
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               Providing and maintaining adequate insurance coverage is a material obligation of
               the franchisee and is of the essence of any franchise. The franchisee may meet its
               requirements of maintaining specified coverage and limits by demonstrating to the
               county that there is in force insurance with equivalent coverage and limits that will
               offer at least the same protection to the county. The contractor shall at all times
               comply with the terms of such insurance policies, and all requirements of the insurer
               under any such insurance policies, except as they may conflict with existing North
               Carolina laws or this article. The limits of coverage under each insurance policy
               maintained by the franchisee shall not be interpreted as limiting the contractor's
               liability and obligations under the contract.
               </p>
            <p class="historynote0">
               (
               <a class="ordinance-link" href="" data-product-id="12776" data-ordinance-id="709378">
                  Ord. No. 14-11-11
                  </a>
               , Â§ 1, 11-18-14)
               </p></div>