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Property/Liability Limit Comparison Municipalities
Municipality #1
Municipality #2
> 50,000
> 50,000
Property
Property
TIV (Total Insured Valu)e
$57,516,391
$39,953,267
Deductible
$10,000
$25,000
Deductible
$25,000
$50,000
Flood
$2,000,000
Purchased entirely thru FEMA
Deductible
$50,000
Business Income/Extra Expense
$1,000,000
$1,050,000
Inland Marine Deductible
$10,000
$25,000
General Liability
General Liability
Limit
$1,000,000/$2,000,000
$2,000,000/$4,000,000
Deductible
$2,500
$0
Deductible
$25,,000
$25,000
Public Entity Liability
$1,000,000
$2,000,000/$4,000,000
Deductible
$25,000
$25,000
Crime
Crime
Employee Theft
$250,000
$500,000
Forgery Alteration
$100,000
$25,000
Computer Fraud
$250,000
$500,000
Deductible
$1,000
$1,000
Umbrella
Umbrella
Limit
$2,000,000
Not Purchased
Cyber Liability
Cyber Liability
Limit
$1,000,000
Data Breach Purchased ($25,000)
Deductible
$25,000
$1,000
Automobile
Automobile
Property
General Liability
$10,000
$5,000,000
$5,000,000
$1,500,000
$15,711,871
$50,000
$50,000
$1,000,000
$250,000
Not Purchased
$1,000,000
$25,000
$25,000
$10,000
$10,000
$10,000
$10,000
$5,000
$5,000
$10,000
$10,000
$2,000,000/$2,000,000
$35,886,137
$5,000
$5,000,000
$5,000,000
$1,336,000
$5,000
$2,000,000/$4,000,000
$5,000
$2,000,000/$2,000,000
$5,000
Data Breach Purchased ($25,000)
$1,000
Umbrella
Cyber Liability
Automobile
$100,000
$1,000
Cyber Liability
$1,000,000
$10,000
Automobile
$1,000,000
Crime
$1,000,000/$2,000,000 ($5,000)
$1,000,000
$250,000
$250,000
$10,000
Umbrella
Cyber Liability
Data Breach Purchased ($25,000).
Committed to purchasing full policy this year
$1,000
Automobile
$5,000 with $25,000 wind/hail
$5,000,000
$5,000,000
$250,000
$1,000
General Liability
$1,000,000/$2,000,000
$25,000
$25,000
Law Enforcement Liability
$2,000,000/$2,000,000
$10,000,000
General Liability
Population
Earthquake
$5,000,000
$1,000,000
Municipality #3
$500,000
$1,000
$5,000,000
$2,000,000/$4,000,000
$0
$
$2,000,000/$4,000,000
$50,000
$50,000
$5,000,000
$5,000 with $25,000 wind/hail
5,000-10,000
$49,648,285
Property
Municipality #4
$5,000
General Liability
$2,000,000/$2,000,000
$100,000
Crime
$2,000,000/$2,000,000
Umbrella
$1,000,000/$2,000,000
Crime
$250,000
20,000-25,000
Property
$1,000,000/$2,000,000
$0
Municipality #6
20,000-25,000
Municipality #5
10,000 -15,000
$0
$2,000,000/$2,000,000
$500,000
Property
$26,742,249
Crime
$250,000
$250,000
$250,000
$5,000
Umbrella
$2,000,000
Cyber Liability
$1,000,000
$10,000
Automobile