The service provider must obtain all insurance as required under clause 21 with reputable insurer and will obtain written consent from the client prior to any material change which may render any possible or potential impact or adverse change to the insurance required under this agreement. The service provider must include the client as additional insured parties under such policies in relation to any vicarious liability on the part of the client resulting, whether partly or wholly, from the negligent acts or omission of the service provider with a cross liability endorsement stipulating that the policies apply in the same manner as though a separate policy were issued to each insured.