HOME ABOUT WHO WE ARE HOW TO JOIN SERVICES & TRAINING CONTACT Keeping You Covered GENERAL LIABILITY COVERAGE FEATURES Aggregate per Location – NYMIR does not restrict its coverage limits to one aggregate Failure to Supply Water - Full policy limits with broadened causes of loss Acts of Terrorism – Automatic coverage for terrorism to full policy limits. Sudden & Accidental Pollution Liability Pollution Liability - Specified causes of loss for short term events Personal Identity Theft - Includes misappropriation of personal identification information (PII) that is stored on the municipality’s computer system that results in wrongful or fraudulent use of information. PII includes; social security numbers, credit card numbers or other valuable information of a resident, a public official, employee or authorized volunteer. Optional Broadened Cyber Breach Coverage - provides limits up to $1,000,000 to cover costs affiliated with data restoration & recreation, credit monitoring and notification of affected parties to comply with state and federal requirements Municipal Sponsored Recreation Programs Allegations of Sexual Abuse & Molestation – Full Policy limits are provided PUBLIC OFFICIALS’ LIABILITY COVERAGE FEATURES Consent to Settle Coverage Deductible applies only to indemnity payment Full Prior Acts Defense Costs are Payable in Addition to Limits Employment Practices Liability Allegations of Civil Rights and/or Discrimination Land Use Extended Employment Practices Coverage (Optional)-protection for back wages, allegations of mental anguish and emotional distress. $25,000 Defense expenses available for non-monetary claims. PROPERTY COVERAGE FEATURES Appraisal Program: A professional appraisal company will conduct an independent appraisal of your buildings with values of $50,000 or greater scheduled on your policy at no cost to you. Earthquake & Excess Flood: $1,000,000 coverage with a $25,000 deductible. Flood Zones A & V are covered up to $1,000,000 with a $500,000 deductible. Pollution Clean-up - $50,000 is available for expenses you incur for clean up of “pollutants” for land, air or water from covered real property. Valuation of Building and Contents: NYMIR automatically provides valuation at agreed amount with a blanket limit Equipment Breakdown: NYMIR provides coverage for boilers and building machinery/equipment breakdown at all locations. This includes coverage for mechanical malfunction of water and sewer pumps. CRIME & FIDELITY Various limits Available - Can be tailored to meet your municipality’s undertaking Employee Dishonesty Blanket Coverage Faithful Performance -Automatically Included (Higher Limits Available by Position Type) Coverage - Available for all employees No Exclusion for Tax Collector or Treasurer Responsibility of Elected Officials for other funds- Included Additional Coverages Available Include: - Computer Fraud (fraudulent transfer of money or property of value) - Wire Transfer - Forgery or alteration - Theft of money and securities -Inside and outside the premises can be increased ($10,000 per occurrence is automatically provided under your property policy). LAW ENFORCEMENT LIABILITY Allegations of false arrest, excessive force, malicious prosecution and unlawful search and seizure Consent To Settle Violations of civil rights Building related illnesses Facility related communicable diseases Claims of abuse and molestation Supervisory exposures in directing auto pursuits AUTOMOBILE COVERAGE ENHANCEMENTS Automatic $3,000 Additional Equipment per vehicle -coverage for equipment installed in or on your municipal vehicle. Deductible reimbursement up to $1,000 for physical damage to any municipal employee’s personally owned vehicle while using in the course of municipal duties and responsibilities. Replacement cost new valuation for police vehicles 10 years old or newer. INLAND MARINE Rental Expense Reimbursement -up to $500 per day Leased, Rented, or Borrowed Equipment- $100,000 automatically provided (can be increased) Agreed Value Coverage for equipment and vehicles Expenses exceeding 75% of the agreed value of a vehicle or equipment will be considered a total loss FIRE DEPARTMENT-SPECIAL COVERAGES PROPERTY Actual Loss You Sustain Coverage for the following property: Communication Equipment, Computers and Media Emergency sirens/horns and traffic control devices Computers, printers, scanners, modems and related peripheral equipment Radio, television, and video equipment, satellite dishes, towers Accounts Receivable and Valuable papers & records Fire Extinguisher Recharge Expenses due to covered losses Extra Expenses to avoid and minimize business interruption Commandeered Personal Property of others; includes owner’s loss of use expenses INLAND MARINE - FIRE EQUIPMENT Fire Department Vehicles/Replacement Cost-allowing you to replace with a comparable new truck manufactured to current required specifications. Fireman’s Personal Property Damage/$2,500 per Fireman/$5,000 per any one incident -during the course of responding to or returning from a department emergency call- $2,500 per Fireman/ Fireman's Personal Auto-$1,000 limit -Damage reimbursement to a Fireman’s personal auto. Scheduled Portable Equipment-$10,000/ 0 deductible-to Recertify your damaged equipment when required by a governmental agency Commandeered Property-$25,000/ 0 deductible- repair or replacement of mobile property of others damaged from a covered loss GENERAL LIABILITY COVERAGE - FIRE DEPARTMENT Limited Pollution- Included for Fire Fighting Activities, training and intentional demolition burns for the purpose of limiting a fire. Discharge of Pollutants -for purposes of controlling a fire Mutual Aid Emergency Medical Technicians- Errors & Omissions Coverage Included PUBLIC OFFICIALS– Errors & Omissions Coverage (when FD General Liability is with NYMIR) Departments and Boards- Automatically Included Elected Officials Authorized Volunteers ***Please note: This proposal does not expand coverage beyond what is provided in the policy. For complete policy information, please contact NYMIR.*** Quick Links Celebrating 25 Years Document Center Newsletter Signup Staff Login ENROLL NYMIR IS SPONSORED BY NYMIR Proudly Serving You Since 1993 Address 119 Washington Avenue Albany, New York 12210 518.465.7552 info@nymir.org Hours Monday - Friday 8:30am - 4:30pm Copyright © 2021 NYMIR - All Rights Reserved. Privacy Policy Website Design and Hosting by: Edmunds GovTech