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volunteers shall be excess of the Contractor's insurance and shall not contribute <br />with it. <br />(4) Severability. A severability of interest provision must apply for all the <br />additional insured, ensuring that Contractor's insurance shall apply separately <br />to each insured against whom a claim is made or suit is brought, except with <br />respect to the insurer's limits of liability. <br />(5) Notice of Cancellation. Insurance policy(ies) herein shall provide that <br />coverage shall not be canceled, suspended, voided, reduced in coverage or in <br />limits, non -renewed by the carrier, or materially changed except after thirty (30) <br />days prior written notice has been given to City. Ten (10) days prior written <br />notice shall be provided to City for policy cancellation or non -renewal due to <br />non-payment. <br />(6) Certificate Holder. The Certificate Holder on each Evidence of the Insurance <br />certificate shall be: City of Santa Ana, Attn: (name of department staff <br />responsible for Agreement), 20 Civic Center Plaza M-XX (responsible <br />staff's department mail box), Santa Ana, CA 92701. The name and location <br />of project must be included in the Description of Operations section of each <br />certificate. <br />c. Self -Insured Retentions. Self -insured retentions must be declared to and <br />approved by the City. City may require Contractor to purchase coverage with a <br />lower retention or provide proof of ability to pay losses and related investigations, <br />claim administration, and defense expenses within the retention. <br />d. Acceptability of Insurers. Insurance is to be placed with insurers authorized to <br />conduct business in the state with a current A.M. Best's rating of no less than <br />A: VII, unless otherwise acceptable to the City. <br />C. Verification of Coverage. Contractor shall fumish the City with original <br />Certificates of Insurance including all required amendatory endorsements (or copies <br />of the applicable policy language effecting coverage requiredby this clause) and a <br />copy of the Declarations and Endorsement Page of the CGL policy listing allpolicy <br />endorsements to City before work begins. However, failure to obtain the required <br />documents prior to the work beginning shall not waive the Contractor's obligation to <br />provide them. <br />The City reserves the right to require complete, certified copies of all required <br />insurance policies,including endorsements required by these specifications, at any <br />time. <br />Claims Made Policies. If any of the required policies provide coverage on a <br />claims -made basis: <br />Page 4 of 10 <br />