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16. INSURANCE/WAIVER OF SUBROGATION. <br /> (a) Tenant Insurance. Tenant shall,throughout the Term, at its own expense, <br /> keep and maintain in full force and effect each and every one of the following policies, each of <br /> which shall be endorsed as needed to provide that the insurance afforded by these policies is <br /> primary and that all insurance carried by Landlord and Landlord's self-insurance is strictly excess <br /> and secondary and shall not contribute with Tenant's liability insurance: <br /> (i) A policy of commercial general liability insurance, including a <br /> contractual liability endorsement covering Tenant's obligations under <br /> Section 15 above, insuring against claims of bodily injury and death or <br /> property damage or loss with a combined single limit at the <br /> Commencement Date of this Lease of not less than Two Million Dollars <br /> ($2,000,000.00) per occurrence and location. Tenant shall include <br /> Landlord and Landlord's officers, elected officials, employees, agents, and <br /> volunteers as additional insureds. The limit shall be reasonably increased <br /> during the Term at Landlord's request. <br /> (ii) "Special Form" property insurance (which is commonly called "all <br /> risk") covering Tenant Alterations and any and all furniture, fixtures, <br /> equipment, inventory, improvements and other property in or about the <br /> Leased Premises which is not owned by Landlord, for the then, entire <br /> current replacement cost of such property. <br /> (iii) Business interruption insurance in an amount sufficient to cover <br /> costs, damages, lost income, expenses, Base Rent, Additional Rent and all <br /> other sums payable under this Lease, should any or all of the Leased <br /> Premises not be usable for a period of up to twelve (12) months. <br /> (iv) A policy of worker's compensation insurance if and as required by <br /> applicable law and employer's liability insurance with limits of no less than <br /> One Million and No/100 Dollars ($1,000,000.00). <br /> (v) In the event Tenant acquires company automobiles, a policy of <br /> comprehensive automobile liability insurance, including loading and <br /> unloading, and covering owned and hired vehicles with limits of no less <br /> than One Million Dollars ($1,000,000.00) per occurrence. <br /> (b) All insurance policies required under this Section 16 shall be with <br /> companies having a rating according to Best's Insurance Key Rating Guide for Property — <br /> Casualties of no less than A- Class VIII. Each policy shall provide that it is not subject to <br /> cancellation, lapse or reduction in coverage except after thirty (30) days' written notice to <br /> Landlord. Tenant shall deliver to Landlord, prior to the commencement of its occupation of the <br /> Leased Premises and,from time to time thereafter, at Landlord's request, certificates evidencing <br /> 10 <br />