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3 <br />b. Automobile liability, including Owned (if any), Hired, and Non-owned <br />automobiles, with minimum liability limits of $500,000 per person and <br />$2,000,000 per occurrence. <br />c. Workers’ compensation coverage meeting all statutory <br />requirements. The policy must provide coverage for all states of <br />operation that apply to the performance of this contract. <br />d. If subcontractor is domiciled outside State, employer’s liability or <br />“stop gap” insurance of not less than $2,000,000 as an endorsement <br />on the workers’ compensation or commercial general liability <br />insurance. <br /> <br /> The insurance coverages listed above must meet the following additional <br />requirements: <br />e. Any deductible or other similar obligation under the policies is the <br />sole responsibility of the subcontractor. The amount of any <br />deductible is subject to approval by State. <br />f. This insurance may be in policy or policies of insurance, primary and <br />excess, including the so-called umbrella or catastrophe form and <br />must be placed with insurers rated “A-” or better by A.M. Best <br />Company, Inc., provided any excess policy follows form for <br />coverage. Less than an “A-” rating must be approved by the State. <br />The policies must be in form and terms approved by the State. <br />g. State will be defended, indemnified, and held harmless to the full <br />extent of any coverage actually secured by the subcontractor in <br />excess of the minimum requirements set forth above. The duty to <br />defend, indemnify, and hold harmless State under this agreement is <br />not limited by the insurance required in this agreement. <br />h. State must be endorsed on the commercial general liability policy, <br />including any excess policies, as additional insured. State must have <br />all the benefits, rights, and coverages of an additional insured under <br />these policies that are not limited to the minimum limits of insurance <br />required by this agreement or by the contractual indemnity <br />obligations of Sponsor. <br />i. The insurance required in this agreement, through a policy or <br />endorsement, must include: <br />(1) A “Waiver of Subrogation” waiving any right to recovery the <br />insurance company may have against State; <br />(2) A provision that subcontractor’s insurance coverage is <br />primary (i.e., pay first) as respects any insurance, self- <br />insurance, or self-retention maintained by State and that any <br />insurance, self- insurance, or self-retention maintained by <br />State must be in excess of the subcontractor’s insurance and <br />must not contribute with it; <br />(3) Cross liability/severability of interest for all policies and <br />endorsements; <br />(4) The legal defense provided to State under the policy and any <br />endorsements must be free of any conflicts of interest, even if