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or damage to personal property of the Team, its employees and players, players for opposing teams, umpires, concessionaires, employees and agents of concessionaires, stadium attendees, and others, except to the extent that such loss, theft or damage is from the act of the Park Board, its employees, agents or sub - contractors. Section 13.04 REQUIRED POLICIES OF INSURANCE. The Team shall, effective as of January 1, 2009, and thereafter during the term of this Stadium Agreement, keep in full force and affect the following policies of insurance: Comprehensive general liability insurance, including products liability insurance against any and all claims and losses arising out of its activities under this Stadium Agreement in the following minimum amounts: - Personal Injury - $1,000,000.00 each person and each accident, $1,000,000.00 aggregate Property Damage - $1,000,000.00 each incident; $1,000,000.00 aggregate - Umbrella Liability Coverage and Umbrella Liability Policy in an amount not less than $4,000,000 for any one occurrence in excess of the aforementioned general liability insurance. Dram Shop - a certificate obtained either by the Team or Service America or such other successor Food and Beverage Service operator providing Dram Shop liability coverage naming, in the case of a certificate provided by Service America or such other successor operator, the Team, the Park Board and the City of South Bend as additional named insureds or, in the case of a certificate provided by the Team, naming the Park Board and the City as additional named insureds with the amount of the coverage identical to that of the comprehensive general liability coverage as required herein. - Workers Compensation - the Team shall provide and keep in full force and effect during the term of this Stadium Agreement, workers compensation insurance in full compliance with the laws of the State of Indiana. Section 13.05 NAMED INSUREDS AND CERTIFICATES OF INSURANCE. All of the insurance policies described in Sections 13.04 herein shall show the Team, the City of South Bend and the Park Board as named insureds as their interest may appear. All such policies shall contain an endorsement giving the Park Board ten (10) days prior written notice in advance of any material alteration or cancellation of said policies. All such insurance policies shall be written by companies authorized to do business in the State of Indiana. Section 13.06 INSURANCE PROVISIONS IN TEAM'S CONTRACT FOR FOOD AND BEVERAGE SERVICES. The Team shall not permit a modification in the insurance provisions of its Food and Beverage Service Contract as approved by the Park Board in Section 6.03 above during the term of this Stadium Agreement.