Risk Management Service Agency


Outline of coverages

 

Member deductible

Pool retention or deductible

Coverage limits

General, automobile, and employment practices liability

None*

$250,000

$15,000,000

Property

None*

$200,000

$250,000,000

Auto physical damage

None*

$200,000

$13,000,000

Flood

$200,000

None

$25,000,000 property
$5,000,000 vehicles
$10,000,000 high zones

Earthquake

$200,000**

None

$25,000,000 property
$5,000,000 vehicles

Equipment breakdown

$5,000

$200,000

$175,000,000

Crime – Employee fidelity

None

$200,000

$1,000,000

Pollution

None

$50,000

$2,000,000

Cyber liability

None

$25,000

$3,000,000

Aviation general liability***

None

None

$2,000,000

Drone liability/property***

5% of the loss for physical damage

None

$1,000,000 liability
$5,000 physical damage aggregate

*Optional member-specific deductibles may be selected.

**Members have coverage from $200,000 – $3,000,000 but will still be responsible for meeting the excess deductible of 2% – min $250,000, if 2% exceeds $3,000,000.

***Aviation/drone coverages purchased by participating members.



Copyright © 2018-2020 Association of Washington Cities