Keeping You Covered

As a municipally owned insurance company, NYMIR strives to provide the insurance coverages that are most important for New York State Local Governments. NYMIR is aware that municipal needs are constantly changing and is able to respond to those needs with the most comprehensive coverage available anywhere.

Highlights Include:

Property
Blanket Limits
No coinsurance
Extended property enhancements
Independent property appraisal
Inland Marine
Replacement cost
Flood coverage
Constructive loss at 75%
General Liability
Accidental pollution coverage
Full limits for sexual abuse and molestation
Full limits on failure to supply (utilities)
Mutual Aid
Automobile
Additional $3000 for attached equipment
Deductible reimbursement for officers and directors

Public Officials
Full limits for employment related practices
Land use No deductible for defense (available)
Defense costs outside the limit
Law Enforcement
Consent to settle
No deductible for defense (available)
Hot pursuit
Department approved moonlighting
Full limits for Sexual Abuse and Molestation
Defense costs outside the limit
Excess
Up to 10,000,000 limit

NYMIR also offers a variety of deductible options and self insured retention limits. To learn more about these coverages or others offered by NYMIR, please contact a NYMIR representative.