The Borrower will maintain or cause to be maintained such policies of insurance as Persons similarly situated to the Borrower and its Subsidiaries would prudently maintain, including without limitation, commercial general liability and umbrella liability insurance, including but not limit to, coverage for bodily injury, property damage, and personal and advertising injury claims arising from the Mortgaged Property with total combined limits of not less than $1,000,000 per occurrence and $2,000,000 products completed operations aggregate; umbrella liability insurance with limits of $3,000,000 per occurrence and $3,000,000 aggregate. The Borrower shall add the Lender, its subsidiaries, successors, assigns, directors, officers, employees and agents as additional insureds on such insurance policies. All insurance policies shall be issued by an insurer or insurers with an A.M. Best rating of “A: IX” or better and a Standard and Poor’s rating of “A,” or equivalent rating from another agency acceptable to the Lender and be authorized in the state where the Mortgaged Property is located. The amount of any deductible under any insurance policy must be reasonably acceptable to Lender. The Borrower shall pay the premiums for the insurance policies as the same become due and payable. The Borrower shall deliver a certificate or other evidence of insurance acceptable to the Lender evidencing the insurance required hereunder on the Closing Date, together with receipts for the payment of premiums. Any insurance carried by the Lender shall be for its sole benefit and shall not inure to the benefit of the Borrower and any insurance required from the Borrower shall be primary to any available, if any, to the Lender. All required insurance policies, other than professional liability, shall provide that insurers have waived rights of subrogation against the Lender. The required insurance shall be primary without right of contribution from any insurance, which may be carried by the Lender.