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EXHIBIT C – Insurance Requirements
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<br />Consultant shall procure and maintain for the duration of the agreement, the following insurance
<br />coverages:
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<br />MINIMUM SCOPE AND LIMIT OF INSURANCE
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<br />Consultant shall maintain limits of insurance coverage in the following minimum amounts and
<br />shall be at least as broad as:
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<br />• Commercial General Liability (CGL): Insurance Services Office Form CG 00 01
<br />covering CGL on an “occurrence” basis, including products and completed operations,
<br />property damage, bodily injury and personal & advertising injury with limits no less than
<br />$1,000,000 per occurrence and $2,000,000 aggregate.
<br />• Automobile Liability (AL): Insurance Services Office Form CA 00 01 covering Code 1
<br />(any auto), with combined single limits of $1,000,000. In the event Consultant does not
<br />maintain commercial automobile liability insurance, City will accept evidence of personal
<br />automobile insurance, provided that such policy is endorsed for business use and provides
<br />coverage with a minimum limit of $1,000,000. Required policy limits can be met with
<br />primary and umbrella/excess insurance policies.
<br />• Workers’ Compensation (WC): as required by the State of California, with statutory
<br />limits, and Employer’s Liability Insurance with limit of no less than $1,000,000 per
<br />accident, per employee, per policy for bodily injury or disease. This requirement can be
<br />waived if Consultant has no employees.
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<br />If Consultant maintains broader coverage and/or higher limits than the minimums shown
<br />above, City requires and shall be entitled to the broader coverage and/or the higher limits
<br />maintained by Consultant. Any available insurance proceeds in excess of the specified
<br />minimum limits of insurance and coverage shall be available to City.
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<br />Other Insurance Provisions
<br />The insurance policies are to contain, or be endorsed to contain, the following provisions:
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<br />1. CGL and AL policies: City of Santa Ana, its City Council, its officers, officials,
<br />employees, agents, and volunteers are to be covered as additional insureds with respect
<br />to liability arising out of work or operations performed by or on behalf of the Consultant
<br />including materials, parts, equipment, and personnel furnished in connection with such
<br />work or operations.
<br />2. CGL, AL, and WC policies: Insurance company(ies) agrees to waive all rights of
<br />subrogation against City, its City Council, its officers, officials, employees, agents, and
<br />volunteers for losses paid under the terms of any policy which arise from work
<br />performed by Consultant for City.
<br />3. All required insurance policies: For any claims related to this contract, Consultant’s
<br />insurance coverage shall be primary and any insurance maintained by City, its City
<br />Council, its officers, officials, employees, agents, or volunteers shall not contribute
<br />with it.
<br />4. All required insurance policies: A severability of interest provision must apply for all
<br />the additional insureds, ensuring that Consultant’s insurance shall apply separately to
<br />each insured against whom a claim is made or suit is brought, except with respect to
<br />the insurer’s limits of liability.
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<br />City Council 10 – 19 2/17/2026
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