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included in the indemnity. LESSEE further agrees to investigate, handle, respond to, provide <br />defense for, and defend any such claims at its sole expense and agrees to bear all other costs and <br />expenses related thereto, even if the claim is groundless, false, or fraudulent, and if called upon by <br />the LESSOR, LESSEE shall assume and defend not only itself but also the LESSOR in connection <br />with any claims, suits, or causes of action, and any such defense shall be at no cost or expense <br />whatsoever to LESSOR, provided that the LESSOR (exercisable by the LESSOR's Risk Manager) <br />shall retain the right to select counsel of its own choosing at its own expense. <br />22. Insurance. At all times during the term of this Lease Agreement, LESSEE, at its <br />expense, shall keep or cause to be kept in effect the following insurance coverages, with all policies <br />to have LESSOR added as an additional insured: <br />a. A general liability insurance policy, in standard form, insuring LESSEE, <br />and LESSOR as an additional insured on a primary and non-contributory status in favor of <br />LESSOR, against any and all liability for bodily injury or property damage arising out of or in <br />connection with this Lease and the license granted herein with a policy limit of not less than One <br />Million Dollars ($1,000,000.00) per occurrence and Two Million Dollars ($2,000,000.00) general <br />aggregate and shall name the LESSOR as an additional insured on a primary and non-contributory <br />status in favor of LESSOR. All such policies shall cover the activities under the Lease, including, <br />but not limited to the possession, use, occupancy, maintenance, repair, and construction of <br />additions, modifications, renovations or demolition of the Leased Premises or portions thereof. <br />This policy shall not be affected by any other insurance carried by LESSOR. <br />b. Workers' Compensation Insurance to be in compliance with the "Workers' <br />Compensation Law" of the State of Florida and all applicable federal laws. In <br />addition, the policy(ies) shall include Employers' Liability with a limit of One <br />Hundred Thousand Dollars ($100,000.00) for each accident. <br />C. Business Automobile Liability for all vehicles owned or used by LESSEE <br />and LESSEE's contractors that are involved in the operation of the Leased Premises with limits of <br />no less than One Million Dollars ($1,000,000.00) limits per occurrence, including for Hired and <br />Non -Owned Auto Liability coverage, with LESSOR as an additional insured on a primary and <br />non-contributory status in favor of LESSOR. <br />d. Fire and All Risk Property coverage (including flood), with an endorsement <br />for increased cost of compliance, on the structures, improvements and fixtures located upon the <br />Leased Premises in an amount equate to not less than ninety percent (90%) of its full insurable <br />value, and shall name the LESSOR and LESSEE as Loss Payees on the policy. The deductible <br />shall be no more than ten percent (10%) of the value of the structures and improvements located <br />7 <br />