Sec. 20-11-12. Insurance.

(a) The permittee of an event must possess or obtain public liability insurance to protect against liability for personal injury and property damage arising from the event. Coverage shall be a comprehensive general liability insurance policy. Minimum limits required:
(1) One million dollars for each occurrence combined single limit bodily injury and property damage;
(2) If food or nonalcoholic beverages are to be sold or served at the event, the policy must also include an endorsement for products liability in an amount of not less than five hundred thousand dollars; and
(3) If alcoholic beverages are to be sold or served at the event, the policy must also include an endorsement for liquor liability in an amount not less than five hundred thousand dollars.
(b) Insurance required pursuant to this section shall be maintained for the duration of the event shall:
(l) Name the city, its officers, employees and agents on the policy or by endorsement as additional insureds;
(2) Be a primary policy and not contributory or in excess of any policy of the city; and
(3) Declare all deductibles on the policy.
(c) For annual permits issued pursuant to Section 20-11-19 of this article:
(1) The insurance policy shall also be endorsed to state that coverage shall not be suspended, voided, cancelled or terminated by either party, reduced in coverage or in limits except after thirty days prior written notice by certified mail, return receipt requested, has been given to the city; and
(2) In addition to any other remedy the city may have, if the permittee fails to maintain the insurance coverage as required in this section, the city may, in its sole and absolute discretion, obtain such insurance coverage as is not being maintained, in form and amount substantially the same as is required herein. The permittee shall be required to reimburse the city for such insurance prior to the next event held pursuant to its annual permit.
(d) All deductibles on the policy shall be approved by the parks, recreation and community services director.
(e) The requirement as to types, limits, and the city’s approval of insurance coverage to be maintained by permittee are not intended to, and shall not in any manner, limit or qualify the liabilities and obligations assumed by permittee pursuant to this chapter.
(f) A copy of the policy or a certificate of insurance, together with all necessary endorsements, must be filed with the parks, recreation and community services director no less than ten days before the date of the event, unless the parks, recreation and community services director, for good cause, waives the filing deadline. The permit shall not be issued by the parks, recreation and community services director until after the insurance policy or certificate of insurance, together with all necessary endorsements, have been filed with the city and approved by the parks, recreation and community services director. (Ord. No. 1360, § 3 (part); Ord. No. 1436, § 3 (part).)