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10 <br /> term of this Agreement, and any extension hereof, at least the following insurance <br /> 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 "'I". 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 coverage <br /> in excess of their personal auto liability limits when they are using their <br /> vehicles on behalf of the Fire Department. Fellow member liability shall be <br /> provided. Auto pollution liability shall be included in the 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 million <br /> dollars ($1,000,000) per occurrence and two million dollars ($2,000,000) <br /> aggregate. The aggregate shall apply per named insured and per insured <br /> location. The policy shall include the following coverage: Volunteers or <br /> employees as insureds, Medical Malpractice, Good Samaritan Liability <br /> Coverage, Intentional Acts Coverage for both bodily injury and or property <br /> damage, Fellow Member Liability, Non-owned Watercraft, Fire Damage <br /> Legal Liability with limits of one million dollars ($1,000,000), Pollution <br /> Liability arising out of emergency operations,training activities or equipment <br /> 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 harassment; <br /> liability arising out of the administration of benefit plans for employees or <br /> volunteers and employment related practice suites. Coverage shall include <br /> claims made for future compensation and benefits lost from wrongful <br /> 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 shall <br /> be written on a Guaranteed Replacement Cost Basis, with coverage <br /> 6 <br />