• Replacement cost valuation
• Boiler and machinery coverage
• Business interruption or extra expense where applicable
• Flood and earthquake options (if available)
• Debris removal
• Ordinance or law coverage
• Equipment breakdown.

B. Automobile Liability and Physical Damage

Coverage for County-owned, leased, or operated vehicle including:

• Sheriff’s department vehicles
• Highway department vehicles and equipment
• Administrative vehicles
• Specialty vehicles and heavy equipment

Coverage should include:

• Automobile liability
• Uninsured / underinsured motorist coverage
• Physical damage coverage (comprehensive and collision)
• Hired and non-owned auto liability
• Roadside equipment and mobile equipment coverage where applicable

C. General Liability

Coverage for bodily injury, property damage, and personal injury arising from County operations.

Coverage should include:

• Premises liability
• Operations liability
• Public entity liability exposures
• Parks and recreation exposures
• Public event exposures

D. Law Enforcement Liability

Coverage specifically addressing risks associated with the Sheriff’s Department, including:

• Wrongful arrest
• False imprisonment