As the list below shows, Selective’s program for municipalities offers a wide array of coverages to meet your specific needs. And many coverages are built in at no additional cost. Please contact your Selective agent for more information.
Property
- Communication equipment, computers and media
- Confiscated property
- Disappearing deductible
- Extra expense
- Loss of income (actual loss sustained)
- Money, securities and stamps
- Optional guaranteed replacement cost – building and business personal property
- Outdoor fences, signs, trees, shrubs and plants
- Property off-premises
- Underground fiber optic cable
- Systems PowerPac (equipment breakdown coverage)
Liability
- Blanket additional insured coverage
- Fellow employee, member or volunteer worker liability
- Liquor liability for temporary events
- Pollution coverage for fire and rescue emergency and training operations
- Volunteers included as named insured
Automobile
- Additional transportation expense
- Fellow employee coverage
- Hired car physical damage
- No glass deductible on emergency vehicles
- Physical damage to vehicle of fire and rescue member – $2,500 (other than fire and rescue employees vehicle – $1,000)
- Pollution coverage for emergency and training operations
- Emergency vehicle upgrade cost (to comply with current national standards)
To help you tailor your insurance program to your individual needs, Selective offers a variety of optional coverages, including:
- Bonds (fidelity, employee dishonesty, treasurer, etc.)
- Emergency services management liability
- Emergency services portable equipment covered on guaranteed replacement cost basis
- Employee benefits liability
- Flood and earthquake
- Inland marine (police weapons, traffic controls, rescue boats, portable emergency equipment)
- Police professional liability (occurrence form)
- Public officials liability (claims made form)
- Umbrella – limits up to $10 million, with no minimum retention
- Value guard coverage for fire trucks and ambulances
When you purchase insurance from Selective, you get more than just a policy. Our Safety Management team offers a wide array of value added services you need to help create a safer environment for your employees and customers and to help you manage your insurance costs by reducing claims.
- Best practices assessment/gap analysis
- Contractual liability consultation
- Customized workers compensation cost containment
- Driver and fleet safety programs
- Exposure reduction consultations
- OSHA 30-hour training
- Premises liability reviews
- Regulatory guidance
- Safety assessment and benchmarking tools
- Sprinkler system evaluation and analysis
- Supervisor accountability programs
- Thermographic infrared surveys
For more information about Selective's Safety Management services, click here.