Liability of permit holder; insurance. The person or persons to whom a permit for a sidewalk cafe is issued shall be liable and shall indemnify the Village for any loss, damage or injury sustained by a person or persons to whom the permit shall have been issued. The applicant for a permit shall present to the Village a certificate of insurance, naming the Village of Harriman as an additional insured, prior to the issuance of the permit, in the amounts for liability insurance of not less than $1,000,000 for each person, and $1,000,000 for each accident and for property damages in an amount not less than $250,000 with an aggregate of $500,000 for each injury.