Library First
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COVERAGE TYPES
FORM/BENEFITS
LIMITS
DEDUCTIBLES/SIR
Property * Special Library Form N/A $1,000 general
  * Replacement Cost    
  * Agreed Amount    
  * Includes signs, fences    
  * Blanket Personal Prop.    
  * Computer Equipment    
  * Valuable Papers    
  * Flood up to $1MM*    
  * Earthquake to $1MM*    
  * Sewer Backup    
  * Fine Arts to $50,000*    
  * Unscheduled Personal Property*    
  * Newly Acquired Property    
  * Trees & Shrubs    
  * Building Glass   $250 Building Glass only
  * Extra Expense    
  * Building Ordinance* 25% of building up to 35% with a $500,000 cap for an aidditional premium.  
  * Cyberflex (Electronic Vandalism)    
G.L. * Occurrence Form $ 1MM / $ 2MM optional
  * Fire Damage Limit of $300K    
  * Premises/Operations    
  * Personal & Advertising Injury    
  * Employees/Volunteers included    
  * Independent Contractors    
  * Blanket Contractual    
  * Broad Form Prop. Damage    
Commercial Auto Hired & Non-Owned $1,000,000 optional
Crime * Money & Securities $10K $1,000
  * Employee Dishonesty $50K $1,000
  * Depositors Forgery $50K $1.000
Library E&O Occurrence Form
Can sit under Umbrella
$1MM/$2MM or $1MM/$3MM $0
Workers Compensation Includes Board Members & volunteers N/A N/A
Umbrella overlaying:
* G.L.
* Auto Liability
* Work Comp
up to $10 MM $10,000 SIR
Equipment Breakdown including Boiler & Machinery Joint Loss Agreement Up to combined building and Personal Property limit. $1,000