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6. GENERAL PROVISIONS <br />6.1. Insurance <br />6.1.1. Unless otherwise agreed in a Participating Addendum, Contractor shall, during the term of this <br />Master Agreement, maintain in full force and effect, the insurance described in this section. <br />Contractor shall acquire such insurance from an insurance carrier or carriers licensed to conduct <br />business in each Participating Entity's state and having a rating of A-, Class VII or better, in the <br />most recently published edition of Best's Reports. Failure to buy and maintain the required <br />insurance may result in this Master Agreement's termination or, at a Participating Entity's option; <br />result in termination of its Participating Addendum. <br />6.1.2. Coverage shall be written on an occurrence basis. The minimum acceptable limits shall be as <br />indicated below, with no deductible for each of the following categories: <br />a) Commercial General Liability covering premises operations, Products and completed <br />operations, blanket contractual liability, personal injury (including death), advertising liability, <br />and property damage, with a limit of not less than $1 million per occurrence, $2 million general <br />aggregate, $2 million Products and completed operations aggregate and $50,000 any one fire. <br />If any aggregate limit is reduced below $2,000,000 because of claims made or paid, the <br />Contractor shall immediately obtain additional insurance to restore the full aggregate limit and <br />furnish to the Participating Entity, a certificate or other document satisfactory to the <br />Participating Entity, showing compliance with this provision. <br />b) Cyber Liability covering claims and losses with respect to network, internet (Cloud) or other <br />data disclosure risks (such as data breaches, releases of Confidential Information, unauthorized <br />access/use of information, and identity theft) with minimum limits of not less than $2,000,000. <br />c) Contractor must comply with any applicable State Workers Compensation or Employers <br />Liability Insurance requirements. <br />d) Automobile Liability covering any auto (including owned, hired and non -owned), with a <br />minimum limit of $1,000,000 each accident combined single limit. <br />6.1.3. Contractor shall pay premiums on all insurance policies. Contractor may suffice the above limits <br />through a combination of primary and excess liability policies. <br />6.1.4. Prior to commencement of performance, Contractor shall provide to the Lead State a written <br />endorsement to the Contractor's general liability insurance policy or other documentary evidence <br />acceptable to the Lead State that: <br />a) Names the Participating States identified in the Request for Proposal as additional insured's, <br />and; <br />b) Provides that the Contractor's liability insurance policy shall be primary, with any liability <br />insurance of any Participating State as secondary and noncontributory. Unless otherwise agreed <br />in any Participating Addendum, the Participating Entity's rights and Contractor's obligations <br />are the same as those specified in the first sentence of this subsection. Before performance of <br />any Purchase Order issued after execution of a Participating Addendum authorizing it, the <br />Contractor shall provide to a Purchasing Entity or Participating Entity who requests it the same <br />information described in this subsection. <br />6.1.5. Contractor shall furnish to the Lead State, Participating Entity, and, on request, the Purchasing <br />Entity copies of certificates of all required insurance within seven (7) calendar days of the <br />execution of this Master Agreement, the execution of a Participating Addendum, or the Purchase <br />Order's effective date and prior to performing any work. The insurance certificate shall provide the <br />following information: the name and address of the insured; name, address, telephone number and <br />signature of the authorized agent; name of the insurance company (authorized to operate in all <br />states); a description of coverage in detailed standard terminology (including policy period, policy <br />Page 47 <br />Coplers and Managed Pdnt SeMces - W-NPAM01, NASPO ValuePoint Master Agreement Terms and CondlOons, CMS p 140603 <br />