At all times during its use of the Facility, User, at its sole cost and expense, shall provide a certificate of General Liability Insurance naming LIBERTY CHRISTIAN FELLOWSHIP
as an additional insured.
Upon facility approval, form ISO CG 00 01 or equivalent, covering the Activity contemplated by this Agreement, which shall include, but need not be limited to, coverage for public liability, bodily injury and property damage, including products and completed operations, personal and advertising injury, and contractual liability. If the Activity primarily serves minors, then, in addition, the Commercial General Liability insurance shall also cover sexual abuse and molestation. Such sexual abuse and molestation coverage shall provide defense costs outside the liability limits and also defend any accused insured under a reservation of rights letter, if necessary. The policy shall cover the period of User’s occupancy and use of the Facility. The Commercial General Liability insurance shall provide at minimum the following limits:
Coverage Limits
- Each Occurrence Limit $1,000,000
- Damage to Facility $300,000 any one premises
- Personal and Advertising Injury $1,000,000 any one person/organization
- Sexual Abuse and Molestation (if applicable) $1,000,000 any one person
- General Aggregate Limit $2,000,000
- Products/Completed Operations Aggregate Limit $2,000,000
Worker’s compensation insurance, where required by North Carolina law; and,
Such insurance as required by federal, state or local laws, codes or regulations.
All insurance policies required to be purchased under this Agreement shall be issued by insurance companies with an A.M. Best rating of “A” or better and shall be issued by companies qualified to do business in the State of North Carolina. Such insurance shall be issued in the name of User with Liberty Christian Fellowship as additional insureds, using ISO Form CG 2026 or equivalent. User agrees that the insurance shall be primary coverage and shall contain no terms allowing the insurer to be subrogated to the rights of any injured or damaged person or entity insofar as said person or entity may have claims against Liberty Christian Fellowship. The certificate of insurance shall contain a valid provision or endorsement that the policy may not be canceled, terminated, changed, or modified without reasonable prior written notice to Liberty Christian Fellowship. User shall provide to Liberty Christian Fellowship each policy or certificate of insurance evidencing such policy issued on Accord Form 25 or equivalent, at least five (15) business days prior to the start of the Activity. Liberty reserves the right to review, modify, reject, or accept any required policies of insurance, including limits, coverage, or endorsements, herein from time to time throughout the term of this Agreement. Liberty reserves the right, but not the obligation, to review and reject any insurer providing coverage due to its poor financial condition or failure to operate legally.