Insurance for Your Municipality

Property Insurance Advantages

• Broadened water
• Canine
• Confiscated property
• Disappearing deductible
• Emergency vacating expenses
• Grave markers and headstones
• Ordinance or law
• Equipment breakdown

General Liability Insurance Advantages

• Blanket additional insured
• Incidental broadcasting and publishing
• Pollution exclusion (exception for potable water)
• Pollution exclusion (exception for water or wastewater treatment)
• Emergency services specific coverage, such as:
  • Commandeered mobile equipment
  • Emergency services errors and omissions
  • Incidental medical malpractice
  • Pollution coverage for emergency services

Commercial Automobile Advantages

• Blanket additional insured
• Emergency services specific coverage, such as:
  • Commandeered auto
  • No glass deductible for emergency vehicles
  • Value guard physical damage
  • Pollution coverage for emergency and training operations

To help you tailor your insurance program to your individual needs, Selective offers a variety of optional coverages, including:

• Abuse or molestation
• Commercial umbrella
• Computer fraud
• Crisis response
• Cyber liability
• GreenPac^®
• Guaranteed replacement cost - building and business personal property
• Guaranteed replacement cost - portable equipment
• Identity recovery
• Municipal participating (dividend) program
• Police professional liability
• Public officials professional liability

Selective can help you prevent claims before they occur with our extensive Safety Management services:

• Thermographic infrared testing of electrical panels and incoming service at no additional cost
• Building valuation
• Employee background screening and access to discounted motor vehicle reports through Praesidium^®
• Assistance with developing policy and procedure manuals, including screening guidelines for employees
• Pre-screening assistance with employee motor vehicle reports
• Fleet safety assistance, including reduced-cost defensive driving instruction and vehicle emergency evacuation training

For more information about Selective’s Safety Management services, visit Safety Management Resources section.

Please contact your Selective agent for more information about our products and services for Municipalities.