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(18) Insurance. Applicants shall furnish the city with certificate of insurance by an insurance company authorized to do business in the state, evidencing the following forms of insurance: (a) Commercial general liability insurance, with a limit of not less than $1,000,000 each occurrence. If such insurance contains an annual aggregate limit, the annual aggregate limit shall be not less than $2,000,000; (b) Commercial automobile liability insurance with a limit of not less than $1,000,000 each occurrence. The insurance shall cover liability arising out of any auto, including owned, hired, and non-owned vehicles; (c) Food products liability insurance, with a limit of not less than $1,000,000 each occurrence; (d) Umbrella/excess liability insurance, with a limit of not less than $1,000,000 each occurrence; (e) Workers compensation insurance (statutory limits) or evidence of exemption from state law; (f) The city shall be endorsed as an additional insured on the general liability, auto liability, and umbrella/excess liability policies. The insurance coverage must be primary and non-contributory. This certificate must be on file with the city if the applicant intends to operate its vehicle on public property including public right-of-way; (g) The general liability, business auto, and worker's compensation policies should all contain waivers of subrogation with reference to the City of St. Anthony; and (h) The certificate of insurance must contain a provision requiring a ten day notification be sent to the city should the policy be cancelled before its expiration. (E) Fee. All applications for a license under this chapter shall be accompanied by the fee established in the city licensing fee schedule ordinance as it may be amended from time to time by the City Council. (F) Procedure. Upon receipt of the completed application and payment of the license fee, the City Clerk, or its designee, shall within ten business days determine if the application is complete. An application will be considered complete if all required information is provided. If the City Clerk, or its designee, determines that the application is incomplete, the City Clerk, or its designee, shall inform the applicant of the required, necessary information that is missing. The City Clerk, or its designee, shall review a complete application and order any investigation, including background checks, necessary to verify the information provided with the application. Within ten regular