Personal Injury Liability for injury, other than bodily injury, to a person. Includes defamation, false arrest, invasion of privacy, and other non-physical injuries. Property Damage Liability Liability for physical injury or destruction of tangible property of others. Includes the loss of use of tangible property, if the loss is covered by an occurrence under the general liability policy. Real and Personal Property Real property consists of land, buildings, improvements and betterments.
Personal property includes equipment, furniture, and fixtures.
The department gets reimbursed for the replacement value of the item less the retention.