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additional kinds and amounts of insurance which in its <br />own judgement may be necessary for its proper protection <br />in the prosecution of the work. <br />11. Subcontractors <br />None of the services included in this Agreement <br />shall be subcontracted without the prior approval of <br />CITY, except as specified in the PROPOSAL. CONSULTANT <br />shall be fully responsible to CITY for performance of <br />subcontractors. <br />12. Assignability <br />CONSULTANT shall not assign or transfer any interest <br />in this Agreement, whether by assignment or novation, <br />without the prior written consent of CITY; provided, <br />however, that claims for money due or to become due from <br />CITY under this Agreement may be assigned to a bank, <br />trust company or other financial institution, or to a <br />trustee in bankruptcy, without such approval. Notice of <br />any such assignment or transfer shall be promptly <br />furnished to CITY. <br />13. Hold Harmless <br />CONSULTANT shall indemnify, defend and save harmless <br />CITY, its officers and employees from any and against any <br />and all damages to property or injuries to or death of <br />any person or persons, including property and employees <br />or agents of CITY and shall defend, indemnify and save <br />7 <br />