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2. LIABILITY INSURANCE The Vendor agrees to secure and maintain, at the Vendor’s own expense, all insurance coverage required herein from one or more insurance companies that are licensed to write such insurance in New York State or are eligible non-admitted insurers, per the current Excess Line Association of New York’s (ELANY) official list. Insurers must carry an A.M. Best “Secure” rating of B+ or better. The vendor will secure health permit annually. The Vendor’s insurance shall include the following, and shall be written with limits no less than hereinafter specified: .1 COMMERCIAL GENERAL LIABILITY (a) Occurrence based Commercial General Liability coverage to include bodily injury, personal injury, and property damage applicable to ongoing operations and contractual liability. The coverage limits applicable shall be the greater of the amounts indicated below or the amounts carried by the VENDOR: General Aggregate $2,000,000 Products & Comp/Op. Aggregate $2,000,000 Personal & Advertising Injury $1,000,000 Each Occurrence $1,000,000 Fire Damage (any one fire) $ 50,000 Med. Expense (any one person) $ 5,000 (b) Additional Insured: Coverage in Commercial General Liability and Excess Liability and/or Umbrella Liability policies or coverage sections shall be written or endorsed so as to apply to the following as additional insured on a primary and non-contributory basis: "Town of Hamburg and its employees, authorized volunteers and board members.” 23