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37. INSURANCE -- The Lessee at its sole cost and expense, shall during the entire Term hereof procure, pay <br /> for and keep in full force and affect the following types of insurance: <br /> a) Property Insurance. A policy of property insurance covering all insurable improvements located on <br /> the Premises (except for land, foundation, excavation, and other matters normally excluded from <br /> coverage), in an amount not less than necessary to cover the replacement cost. Such insurance shall <br /> afford protection against at least the following: (1) loss or damage from fire and other perils <br /> normally covered by the standard extended coverage endorsement; and (2) such risks as shall <br /> customarily be covered with respect to projects similar in construction, location and use, including <br /> all perils normally covered by the standard "all risk" endorsement where such is available. <br /> b) Liability Insurance. A commercial general liability insurance covering the improvements and <br /> Premises insuring the Lessee in an amount not less than two million dollars ($2,000,000), and <br /> covering bodily injury, including death to persons, personal injury, and property damage liability. <br /> Such coverage shall include, without limitation, legal liability of the insured for property damage, <br /> bodily injuries and deaths of persons in connection with the operation, maintenance or use of the <br /> Premises. Coverage shall also include all legal expenses and other costs incurred by the Lessor <br /> related to any claim under this Lease. <br /> c) Workers Compensation. Workers' Compensation Insurance as required by State statute, and <br /> Employer's Liability Insurance covering all of Lessee or subcontractor employees acting within the <br /> course and scope of their employment. <br /> d) Other Risks. In addition, the Lessee shall obtain insurance against such other risks of a similar or <br /> dissimilar nature as the Lessor shall deem appropriate. <br /> e) General Provisions of Insurance Policies: <br /> 1. All policies of insurance carried by the Lessee shall name the Lessee as insured and shall <br /> include the Lessor as an additional insured. <br /> 2. The policy shalt contain a provision that it cannot be cancelled until insurers have provided at <br /> least thirty (30) days prior written notice thereof to the Lessee and Lessee shalt forward such <br /> notice to the Lessor in accordance with Paragraph 25 within seven days of Lessee's receipt of <br /> such notice. <br /> 3. Notwithstanding anything to the contrary contained herein, the Lessee's obligation to carry <br /> insurance as provided herein may be brought within the coverage of a "blanket" policy or policies <br /> of insurance carried and maintained by the Lessee, so long as such poticy(s) segregates the <br /> amount of coverage applicable to the Premises. <br /> 4. A current certificate(s) of insurance shalt be provided to the Lessor prior to the commencement <br /> of this Lease and at the request of the Lessor. The certificate shalt refer to the location of the <br /> Premises and the lease number of this Lease. <br /> 5. Any deductibles must be declared to the Lessor. <br /> 6. Lessee shall be responsible for all claims and liabilities that fait within the Lessee's deductible. <br /> 7. Coverage required of Lessee shall be primary over any insurance or self-insurance program <br /> carried by Lessee or the Lessor. <br /> Page 15 of 18 <br />