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Outside of the agreed allowable interior damage, User shall be liable for, and pay to the <br />Owner, upon demand, any and all property damage to the Highway Properties caused by the <br />User, its officials, employees, volunteers or members as said costs are determined by the <br />Owner. <br />5. Insurance. User will, at all times during the term of this agreement, have and keep in <br />force, insurance meeting the requirements as specified below. The user will provide a <br />certificate of insurance that verifies the following coverage: <br />Commercial General Lability and Umbrella Liability Insurance. User shall <br />maintain commercial general liability (CGL) and, if necessary, commercial umbrella <br />insurance with a limit of not less than $1,500,000 each occurrence. Anoka County shall be <br />included as an insured under the CGL, using ISO additional insured endorsement CG 20 10 <br />and CG 20 3 7 or a substitute providing equivalent coverage, and under the commercial <br />umbrella, if any. <br />Workers' Compensation Insurance. User shall maintain workers compensation and <br />employers' liability insurance. The commercial umbrella and/or employers liability limits <br />shall not be less than $500,000 each accident for bodily injury by accident or $500,000 each <br />employee for bodily injury by disease. <br />Waiver of Subrogation. User waives all rights against Anoka County and including <br />all its elected and appointed officials, all its employees, volunteers, and agents, all its boards, <br />commissions and/or authorities and their board members, employees, and volunteers, and all <br />its agents for recovery of damages to the extent these damages are covered by the workers <br />compensation and employers' liability, or commercial umbrella liability insurance obtained by <br />User. <br />Prior to the start of this Agreement, User will furnish Anoka County with a certificate of <br />insurance form and copies of the endorsements, executed by a duly authorized representative <br />of each insurer, showing compliance with the insurance requirements set forth above. <br />6. Damage to User's Equipment. User shall be responsible for damages to or loss of its <br />own equipment while using or occupying the Highway Properties and surrounding area. <br />7. Injury to participants or bystanders. User will be responsible for all injuries and/or <br />property damage to participants or bystanders as a result of the use of the Highway Properties <br />and holds the County harmless from same. <br />8. Waiver and Assumption of Risk. User knows, understands, and acknowledges <br />the risks and hazards associated with using the Highway Properties and hereby assumes any <br />and all risks and hazards associated therewith. User hereby irrevocably waives any and all <br />claims against the Owner, its partnering entities, and their respective officials, employees, <br />agents and insurers for any bodily injury (including death), loss or property damage incurred <br />by User as a result of using the Highway Properties and hereby irrevocably releases and <br />forever discharges the Owner, its partnering entities, and their respective officials, employees, <br />