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occurrence. C. Third party fidelity bond and property damage insurance (including damage or theft or loss involving the property of a Consumer) in any one accident or occurrence in an amount not less than $50,000 for losses in connection with service visits to the Consumer's home, and in an amount no less than $5,000 for all other services. D. First party fidelity bond or employee -theft coverage on persons handling OAA program funds in the amount of no less than $10,000 or 10% of the amount set forth in Section 3.1 of this Agreement, whichever is greater. E. Full replacement value property insurance on equipment or capital improvements funded at least in part by Agency grant funds or OAA program income. F. The insurance required under this Agreement shall cover the acts and/or omissions of all of Contractors paid employees, volunteers or approved sub- contractors. ARTICLE XIX: INDEMNIFICATION 19.1 To the extent permitted by law, the Contractor agrees to indemnify and hold the Agency and ODA harmless from any and all claims, demands, damages, suds, judgments, awards, costs and expenses, including but not limited to attorney's fees, arising from, resulting from or attributable to the performance of services under this Agreement by the Contractor's employees, volunteers and/or its approved subcontractors, except to the extent those matters or occurrences are caused by the negligence of the Agency. ARTICLE XX: LEGAL OBLIGATIONS 20.1 The Contractor shall conform to the requirements of all applicable federal, state and local laws, regulations, federal circulars, and established guidelines incorporated by reference herein, including, but not limited to: A. Older Americans Act of 1965, as amended; B. Civil Rights Act of 1964, as amended; C. Section 504 of the Rehabilitation Act of 1973, as amended; D. Age Discrimination Act of 1975, as amended; E. Fair Labor Standards Act of 1938, as amended; POS 18 of 28 Final