Property Coverage

Property Coverage is a comprehensive coverage form with the following  features:

  • Replacement Cost available for Buildings and Contents
  • Mobile Equipment Included
  • Business Income – $1,000,000 Sublimit
  • Extra Expense – $500,000 Sublimit
  • Newly Acquired Real Property – $1,000,000 Sublimit
  • Personal Property in Transit – $250,000 Sublimit
  • Accounts Receivable – $250,000 Sublimit
  • Valuable Papers – $250,000 Sublimit
  • Personal Property of Employees/Volunteers – $15,000 Sublimit
  • Computer Virus – $10,000 Sublimit
  • Fine Arts - $250,000 Sublimit
  • Pollutant Cleanup – $25,000 Sublimit


Liability Coverage

We designed the SDIS Liability Coverage Document around the Oregon Tort Claims Act, which governs the liability of Oregon public entities. This approach provides the broadest coverage available including:
  • Employment Practices Liability
  • Employee Benefits Administration
  • Public Officials Errors and Omissions
  • Advertising and Personal Injury
  • Fire Legal Liability
  • Liquor and Fundraising Liability
  • Volunteers as Participants
  • Good Samaritan Liability Coverage
  • Insured Contracts
  • Limited Medical Expenses for Guests
  • Terrorism - $500,000 Sublimit
  • Pesticide/Herbicide Pollution – $50,000 Sublimit
  • Pollution – $100,000 Sublimit
  • BOLI/EEOC Defense – $50,000 Sublimit
  • GSPC Ethics Violation Defense – $2,500 Sublimit Individual / $5,000 Aggregate
  • OSHA Defense – $5,000 Sublimit


Automobile Coverage

  • Replacement Cost of Emergency Service Vehicles – 15 Years or Newer
  • Replacement Cost for Other Vehicles – 6 Years or Newer
  • Volunteer/Employee Deductible Reimbursement
  • Commandeered Vehicles
  • Mutual Aid Expense Reimbursement
  • Limited Pollution Liability


Available Coverage

  • Non-owned Vehicle Liability


Boiler & Machinery Coverage

  • Limits up to $50 Million for Property Damage
  • Reinsured by Hartford Steam Boiler
  • Annual Boiler Inspections Provided Free of Charge

Crime Coverage

  • Public Employee Dishonesty Coverage/Depositor’s Forgery Coverage – Limits: $5,000 - $1,000,000
  • Policy Limit Available for Destruction, Theft, or Disappearance of Money and Securities
  • Non-compensated Directors and Officer Coverage
  • Treasurer or Tax Collector Coverage

For more information about these lines of coverage, please contact your agent or our underwriters.