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an umbrella or excess liability policy, provided coverage afforded by the umbrella <br />or excess policy are no less than the underlying comprehensive general liability <br />coverages. <br />Lessee will maintain Completed Operations coverage for a minimum of two years <br />after the construction is completed. <br />c) Automobile Liabilitv. The Lessee must carry Automobile Liability coverage. <br />Coverage shall afford total liability limits for Bodily Injury Liability and Property <br />Damage Liability in the amount of $1 ,000,000 per accident. The liability limits <br />may be afforded under the Commercial Policy, or in combination with an <br />Umbrella or Excess Liability Policy provided coverage of rides afforded by the <br />Umbrella Excess Policy are no less than the underlying Commercial Auto <br />Liability coverage. <br />Coverage shall be provided by Bodily Injury and Property Damage for the <br />ownership, use, maintenance or operation of all owned, non-owned and hired <br />automobiles. <br />The Commercial Automobile Policy shall include at least statutory personal injury <br />protection, uninsured motorists and underinsured motorists coverages. <br />d) Lessee Pronertv Insurance. The Lessee must keep in force for the duration of the <br />Lease a policy covering damages to its property at the Premises. The amount of <br />coverage shall be sufficient to replace the damaged property, loss of use and <br />comply with any ordinance or law requirements. <br />e) Adjustment to Insurance CoveraQe Limits. The coverage limits set forth herein <br />shall be increased at the time of any Renewal Term by twenty-five percent (25%) <br />over the preceding Term or Renewal Term. <br />� Lessee shall provide Owner, prior to the Commencement Date and before each <br />renewal of the Lease term, evidence of the required insurance in the form of a <br />certificate of insurance issued by an insurance company licensed to do business in <br />the State of Minnesota, which includes all coverage required in Paragraph above. <br />Said certificate shall also provide that the coverage may not be canceled, non- <br />renewed, or materially changed without thirty (30) days' written notice to Owner. <br />18. L`amaee or Destruction. If the Property or any portion thereof is destroyed or damaged so <br />as to hinder its effective use of its Facilities, Lessee may elect to terminate this Lease <br />upon thirty (30) days' written notice to Owner. In such event, all rights and obligations of <br />the parties shall cease as of the date of the damage or destruction and Lessee shall be <br />entitled to the reimbursement of any rent prepaid by the Lessee. <br />