Municipal Program Coverages Available

Property
$250,000 Pollution Cleanup
Back up of Sewers and Drains
Demolition, Contingent Liability and ICC
All Risk
No Coinsurance
Blanket Building and Contents
Wide Variety of Deductible Options
90 Day Automatic Building and Contents Coverage for New Property
$100,000 in Any Other Location Coverage for Over Looked Property
Valuable Papers
Accounts Receivable
Off Premises/In Transit
Extra Expense/Business Income
Contingent Business Income
Tuition and Fees
Loss of Income
Rents
Unfinished Stock in Transit
Utility Services - Direct Damage
Increased Limits on Debris Removal
Architect Fees
Flood and Earthquake
Builders Risk
Arson Reward
Crime Reward
Contamination - Spoilage
Emergency Evacuation Expenses
Fire Department Service Charge
Fire Protection Device Recharging
Lock Replacement
Loss Data Preparation Costs
Personal Effects
Personal Property of Others
Utility Services
8% Inflation Guard
Full Glass Coverage

Inland Marine
EDP
Computer Virus
Contractors Equipment
Cameras and Radios
Musical Instruments
Special Floater for miscellaneous items
Fine Arts
Boats
Signs
Band Uniforms

Crime
Employee Dishonesty
Depositors Forgery
Money and Securities In and Out
Computer Fraud
ERISA Extension
Student Activity Funds Coverage

Boiler and Machinery
$25,000,000 Combined Limit
Loss of Income
Utilities Interruption
Refrigeration Interruption
No sub limits except:
$1,000,000 E&O
$1,000,000 Hazardous Substance
$100,000 Computer & Media

General Liability
Bodily Injury
Property Damage
Personal Injury
Medical Payments
Contractual
Products and Completed Operations
$1,000,000 per Occurrence
$3,000,000 per Location General Aggregate
Defense Outside of Limit
Personal Injury to Include Mental Anguish and Humiliation
Pollution from Hostile Fire
Employee Benefit Liability
Incidental Medical Malpractice including Infirmary
Liquor Liability
Nurses Malpractice
Ambulance Attendant Errors and Omissions
EMT, Paramedics and Emergency Dispatchers (E911)
Miscellaneous Medical/Social Service Professional
Athletic Participation
Pesticide and Herbicide
Sexual Abuse and Molestation
Owned and Non Owned Water Craft
Volunteers and Employees as Insured
Streets and Roads
Students as Insured Engaged in Practice Programs - School to Work
Blanket Additional Insureds
Law Enforcement Liability for Security Force or Police
Corporal Punishment
Vermont Pollution up to Full General Liability Limit
Fire Department E&O
Good Samaritan
Fire Department Fellow Employee
Pollution from Emergency Operation
Broadcasters E&O
Dam Coverage
OCP
Railroad Protective
Pastoral Liability
Pollution from Ordinary Classroom Activities
Medical Payments for volunteers
Coverage for associated volunteer organizations (Boosters, PTO, etc)

Auto: Liability and Physical Damage
Medical Payments
Personal Injury Protection where applicable
Loss of Use/Rental Reimbursement
Employees as Insureds
Upset Pollution
Uninsured Motorists
Hired and Non Owned
Hired Car Physical Damage
Wide variety of deductible on comprehensive and collision
Sounds Transmission and Receiving Equipment
Replacement Cost on Fire Department Vehicles
Defense Outside the Limits
Freezing of Fire Equipment
Garage and Garagekeepers Liability
Volunteer Fire Members Auto Deductible
Fellow Employee coverage
Automatic Additional Insured as required by contract
Coverage Territory extended for Hired Autos
Lease Gap coverage

Umbrella
Defense Outside the Limits
Pay on Behalf of
Worldwide coverage follow form
Provides Excess Over:
General Liability
Auto Liability
Employee Liability
School Board
Public Officials
Police Professional
Protection & Indemnity
Sexual Abuse and Molestation
Employment Practices Liability
Heating Malfunction Pollution in addition to Friendly Fire

Public Officials and School Board Errors and Omissions:
$1,000,000 Per Occurrence - up to $3,000,000 aggregate - Excess in Umbrella
Pay on Behalf
Variety of Deductibles Available
Include Discrimination/Civil Rights
Employment Related Liability
Full Unknown Prior Acts
Defense Outside of Limits
Defense for Non Monetary Claims - School Board only
No Sexual Abuse Exclusion or Limitations
Consent to Settle
Punitive Damages where insurable
Outside Directorship
Mental Anguish arising out of covered Libel / Slander

Law Enforcement Liability
Occurrence Form
Pay on Behalf
Defense Outside of Limits
False Arrest
Malicious Prosecution
Improper Service
Humiliation or Mental Distress
Liable/Slander
Civil Rights/Discrimination
Violation of Property Rights
Wrongful Entry/Eviction
Invasion of Right of Occupancy
Punitive Damages if insurable
Moonlighting
Incidental Medical Malpractice
Jail Premises
Arrestee / Detainee in custody
Property on Persons at Time of Arrest
Excessive Force
Property Damage Loss of Use
Definition of Occurrence includes Event
Mutual Aid
Consent to Settle
Good Samaritan coverage

Workers Compensation
Various Employers Liability limits available
Voluntary Compensation
USL&H
Foreign and Endemic Disease including Repatriation

IMPORTANT
THE ABOVE IS A LIST OF COVERAGE THAT IS AVAILABLE IN THE METROGARD INSURANCE PROGRAM, AND NOT A REFLECTION OF YOUR CURRENT COVERAGE. THE INCLUSION OF ANY COVERAGE FROM THIS LIST IS SUBJECT TO UNDERWRITING REVIEW AND APPROVAL. THIS SHOULD BE USED AS A GUIDE TO REVIEW THE CURRENT LEVEL OF COVERAGE WITH THE INSURED OR TO ASSESS COMPETITORS COVERAGE.