• 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


  • 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.


  • 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.  


  • 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).


  • 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


  • 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.


  • 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                            


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


  • 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


  • 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.***



Proudly Serving You Since 1993


119 Washington Avenue
119 Washington Avenue
Albany, New York 12210
Albany, New York 12210


Monday - Friday
Monday - Friday
8:30am - 4:30pm
8:30am - 4:30pm