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self-administered workers' compensation is included as a loss, expense or cost for the purposes of this section to the extent such injury is caused by willful misconduct or negligent act or omission of Special Counsel, and that this section will survive the expiration or early termination of the Agreement. 13. Insurance. Special Counsel will obtain and maintain for the duration of the Agreement and any and all amendments, insurance, as specified below, against claims for injuries to persons or damage to property which may arise out of or in connection with performance of the Services by Special Counselor Special Counsel's agents, representatives, employees or subcontractors. The insurance will be obtained from an insurance carrier admitted and authorized to do business in the State of California. The insurance carrier is required to have a current Best's Key Rating of not less than "A-:V." 13.1 Coveraqes and Limits. Special Counsel will maintain the types of coverages and minimum limits indicated below, unless Risk Manager or City Manager, in consultation with the City Attorney approves a lower amount. These minimum amounts of coverage will not constitute any limitations or cap on Special Counsel's indemnification obligations under this Agreement. City, its officers, agents, volunteers and employees make no representation that the limits of the insurance specified to be carried by Special Counsel pursuant to this Agreement are adequate to protect Special Counsel. If Special Counsel believes that any required insurance coverage is inadequate, Special Counsel will obtain such additional insurance coverage, as Special Counsel deems adequate, at Special Counsel's sole expense. 13.1.1 Automobile Liabilitv. $500,000 combined single-limit per accident for bodily injury and property damage. 13.1.2 Workers' Compensation and Emplover's Liabilitv. Workers' Compensation limits as required by the California Labor Code and Employer's Liability limits of $1,000,000 per accident for bodily injury. Workers' Compensation and Employer's Liability insurance will not be required if Special Counsel has no employees and provides, to City's satisfaction, a declaration stating this. Special Counsel hereby declares that he has no employees and does not carry Workers' Compensation and Employer's Liability Insurance. 13.1.3 Professional Liabilitv. Errors and omissions liability appropriate to Special Counsel's profession with limits of not less than $1,000,000 per claim. 13.2 Additional Provisions. Special Counsel will ensure that the policies of insurance required under this Agreement contain, or are endorsed to contain, the following provisions: 13.2.1 For Commercial General Liability Insurance and Automobile Liability Insurance, City, its officers, agents, volunteers and employees will Atty/Agr/2006.027 06006 4