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services within the District . Should the terms of this paragraph conflict with Fire <br /> Department' s Articles of Incorporation the Articles of Incorporation shall control . <br /> 18 . The Fire Department agrees to hold harmless and indemnify the County from and <br /> against any and all liability and expenses including attorney fees , court costs and <br /> other costs incurred by the County caused by any act or omission of the Fire <br /> Department , its agents and employees . The Department shall purchase and <br /> maintain , during the term of this Agreement , and any extension hereof , at least the <br /> following insurance coverage : <br /> A . Comprehensive Automobile Liability Insurance with combined single limits <br /> of at least one million dollars ( $ 1 , 000 , 000 ) per occurrence . Coverage shall <br /> be provided under a symbol 1 " . Coverage shall apply , on an excess basis <br /> for hired , borrowed and non - owned vehicles . Coverage shall apply , on a <br /> primary basis , for commandeered vehicles . Volunteers or employees shall <br /> be considered insureds and volunteers and employees shall have <br /> coverage in excess of their personal auto liability limits when they are <br /> using their vehicles on behalf of the Fire Department . Fellow member <br /> liability shall be provided . Auto pollution liability shall be included in the <br /> coverage . <br /> B . Auto physical damage shall be provided on an agreed value basis . <br /> Coverage shall be included for hire , borrowed or commandeered vehicles <br /> without a limit of liability . Coverage shall be provided to bring replacement <br /> vehicle up to the most current national standards , such as NFPA or DOT . <br /> C . Comprehensive General Liability Insurance with limits of at least one <br /> million dollars ( $ 1 , 000 , 000 ) per occurrence and two million dollars <br /> ($ 2 , 000 , 000 ) aggregate . The aggregate shall apply per named insured <br /> and per insured location . The policy shall include the following coverage : <br /> Volunteers or employees as insureds , Medical Malpractice , Good <br /> Samaritan Liability Coverage , Intentional Acts Coverage for both bodily <br /> injury and or property damage , Fellow Member Liability , Non - owned <br /> Watercraft , Fire Damage Legal Liability with limits of one million dollars <br /> ( $ 1 , 000 , 000 ) , Pollution Liability arising out of emergency operations , <br /> training activities or equipment wash downs . <br /> 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 /> 6 <br />