For those conducting business with the City of Simi Valley, companies shall furnish the City with original certificates and amendatory endorsements or copies of the applicable policy language effecting coverage and a copy of the Declarations and Endorsements Pages of the CGL and any Excess policies listing all policy endorsements. All certificates and endorsements and copies of the Declarations & Endorsements pages are to be received and approved by the City before work commences.

General liability coverage can be provided in the form of an endorsement (at least as broad as ISO Form CG 20 10 11 85 or if not available, through the addition of both CG 20 10, CG 20 26, CG 20 33, or CG 20 38; and CG 20 37 if a later edition is used). A Certificate of Insurance is not acceptable evidence of insurance for liability and automobile coverages due to the following language on the standard ACORD form:

"This certificate is issued as a matter of information only and confers no rights upon the certificate holder. This certificate does not amend, extend or alter the coverage afforded by the policy."

To protect those doing business with the City, the public, and the City, insurance must:

1. Cover the specific exposures to loss arising out of the work performed or activity conducted.
    
2. Contain limits high enough to pay reasonably feasible judgments.
    
3. Have the City, its boards, officers, agents, and employees included as "Additional Insureds" on the contractor's insurance for General and Auto Liability. The City shall be named as "Loss Payee" as its interest may appear on all property insurance. Workers' Compensation and Professional Liability do not require for the City to be named as an "Additional Insured."
    
4. Have the insurance be primary and not call on the City's insurance for contributions.
    
5. Provide that insurance shall not be canceled or reduced in coverage until after 30 days written notice.
    
6. Provide a hold harmless agreement to include the defense and indemnification of the City. This obligates the contractor's/permittee's insurer or holds the contractor/permittee responsible in the event of insufficient or inadequate insurance.
    
7. Have an A.M. Best's Rating of B+;VII and be admitted in California. Any exceptions must be reviewed and approved by the City's Risk Manager. Should you have any questions on insurance requirements, please contact the City's Risk Manager at (805) 583-6739.
    
8. Insurance must be approved prior to commencement of the work/activity.

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