Scottsdale also tried to argue that even if it had to provide coverage, the amount should be capped at $1 million. The court rejected that too, pointing out the insurer never even raised this issue in its original complaint. More importantly, the Highway Rules incorporated into the policy required the city, as an additional insured, to have the same coverage limits as the contractor. Since the contractor’s policy had a $6 million cap, that same amount applied to the city.