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D. Directors and Officers Liability Insurance with limits of at least one million <br /> dollars ($1,000,000) per occurrence with two million dollars ($2,000,000) <br /> aggregate. This policy shall include coverage for prior acts. The insureds <br /> shall include current volunteers and employees, former volunteers and <br /> employees, and any persons or organizations providing service to the <br /> Department under a mutual aid or similar agreement. Coverage shall <br /> include civil rights type suits such as discrimination and sexual <br /> harassment; liability arising out of the administration of benefit plans for <br /> employees or volunteers and employment related practice suites. <br /> Coverage shall include claims made for future compensation and benefits <br /> lost from wrongful termination of an employee. <br /> E. Umbrella Liability Insurance with limits of at least one million dollars <br /> ($1,000,000) per occurrence and one million dollars ($1,000,000) <br /> aggregate. The umbrella policy shall provide excess coverage over the <br /> Auto Liability Policy, General Liability Policy, and the Employer's Liability <br /> Section of the Workers' Compensation Policy. Volunteers and employees <br /> shall be included as insureds. <br /> F. The Department shall maintain Property Insurance protecting against the <br /> risk of direct physical loss or damage. The policy covering the building <br /> shall be,written on a Guaranteed Replacement Cost Basis, with coverage <br /> included for Building Ordinance, Flood, and Earthquake. Coverage shall <br /> include Commandeered Property in the amount of two-hundred fifty <br /> thousand dollars ($250,000). Contents coverage shall be provided on a <br /> replacement cost basis. Coinsurance penalties shall not apply. <br /> G. Portable Equipment Coverage shall be provided protecting against the risk <br /> of direct physical loss or damage, including electrical surges. Coverage <br /> shall be provided on a Guaranteed Replacement Cost Basis. <br /> H. The Automobile Liability Policy, General Liability Policy, Umbrella Liability <br /> Policy and Management Liability Policy shall name the County as an <br /> additional insured. The Department shall furnish the County with <br /> Certificates of Insurance showing the type of policy, limits of liability, name <br /> of insurance companies, policy numbers, effective dates and expiration <br /> dates of policies. <br /> I. Workers' Compensation Insurance covering all volunteers and salaries <br /> firefighters meeting statutory limits in compliance with applicable State and <br /> Federal Laws. <br /> J. Each policy shall also contain a ten (10) day notice to the County in the <br /> event of cancellation or modification of any stipulated insurance coverage. <br /> 18. In connection with the performance of this Agreement, the Fire Department agrees <br /> not to discriminate against any employee, member, or applicant for employment or <br /> membership because of race, color, national origin, religion, creed, ethnicity, sex, <br /> sexual orientation, age, disability, political affiliation, and Vietnam-Era or disabled <br /> veteran status. Employees, members and applicants must be competent and <br /> capable to perform the requirements of the job. The Fire Department agrees to take <br /> 6 <br />