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Chapter 58
INSURANCE
[HISTORY: Adopted by the Town of Henniker as indicated in
article histories. Amendments noted where applicable.]
ARTICLE I - Contractors and Vendors Serving Town
[Adopted 6 11 1991]
~ 58 1. Purpose.
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The purpose of this policy is to limit the amount of known
liability and therefore insurance costs to the town. It should be recognized
that the well prepared professional provider to the town will have, as a
matter of good business practices, adequate insurance protection at a
noticeable (to him) insurance expense.
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In a small town such as ours, we are often offered the
services of part time service providers that do not protect themselves with
adequate insurance coverage or other forms of protection. It shall be for the
Selectmen to determine whether to engage the services of individuals or
businesses with inadequate or no insurance.
~ 58 2. Evidence of insurance coverage.
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Each vendor/provider/service person, company, corporation,
etc., shall provide an acceptable evidence of insurance protection for not
less than the period of any contract, agreement, replacement, repair unit of
work, etc. Such evidence shall be not less than a certificate of insurance
provided by an insurance agent stating levels of required coverage and shall
carry requirements for the agent or insurance company to notify the Town of
Henniker, in writing, of termination or cancellation not less than 30 days
prior to the cancellation date. Such certificates shall also state the period
of coverage date, to establish the end date of coverage. Required
documentation: Federal Tax number.
1. Insurance certificate: See Exhibits A and B.1
2. The Town of Henniker may be named as an additionally
insured party, but only as respects to the agreement, contract or
permit between the insured and the town, if required by the Board of Selectmen.
The contractor/server/vendor, etc., is to be
considered as the primary insured.
~ 58 3. Independent contractors.
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Independent contractors who perform work for the
municipality, such as construction companies, pavers, snowplowers, tree
pruners, mowers, shall be subject to the following:
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Before work begins, a written contract shall be established
that includes an agreement by the contractor to indemnify the Town of Henniker
for claims arising out of the contractor's activities.
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A certificate of insurance coverage shall be required
evidencing the types and minimum preferred amounts of coverage.
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The town does not need to be named as an additional insured
under liability coverage.
~ 58 4. Municipal vendors.
Vendors who provide services to the residents of the Town of Henniker on behalf
of that municipality, such as trash removal, event organizers, ambulance
services, outside recreational organizations, shall be subject to the
following:
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A written contract shall be established which includes an
agreement by the vendor to indemnify the municipality for claims arising out
of the vendors' activities.
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A certificate of insurance shall be required evidencing the
types and minimum amounts of coverage.
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The vendor shall be named an additional insured.
~ 58 5. Lessees of municipal premises.
Lessees of municipal premises shall be subject to the following:
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A written lease or permission to use the premises shall be
established that includes an agreement by the lessee to indemnify the
municipality for claims arising out of the lessee's occupancy and use of the
premises.
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Certificates of insurance shall be required evidencing the
types and minimum amounts of coverage.
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The lessee shall be named as an additional insured.
~ 58 6. Additional resources.
Refer to Property Liability Insurance Trust "Managing Liability" chapter to
assist in determining specific coverage requirements by activities.
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