City of East Prairie Park
Property Coverages
PROPERTY COVERAGES:
MOPERM Property coverages are offered to eligible Missouri public entities exclusively through licensed and contracted independent insurance agencies.
Coverages include:
Real and Business Personal Property
Equipment Breakdown/Boiler & Machinery
Contractors Equipment
Mobile Equipment
Earth Movement (including High Hazard)
Flood (including Moderate and High Hazard)
Water Damage
Extra Expense
Business Interruption
EDP Media/Equipment
Valuable Papers/Accounts Receivable
Building Ordinance including Demolition
Pollutant Clean-up and Removal
Debris Removal
Transit
Builders’ Risk
The property coverage is Replacement Cost with a 115% Margin Clause Endorsement (in the event of a total loss coverage would pay up to 115% of the reported value). There is no co-insurance requirement or penalty.
Minimum deductible required on property is $500. Ancillary lines such as earth movement or equipment breakdown may have different minimum deductible requirements. Deductible options offered are:
$ 1,000
$ 2,500
$ 5,000
$ 10,000
$ 25,000
$ 50,000
Equipment Breakdown/Boiler & Machinery includes Property Damage, Business Interruption/Extra Expense, Utility Interruption, Water Damage, and Ordinance or Law.
CRIME COVERAGES:
MOPERM Crime coverages are:
Employee Dishonesty Including Faithful Performance
Computer Fraud
Money & Securities
Forgery and Alteration
Limits offered are:
$ 5,000 on all four coverages - $500 deductible
$ 50,000 on all four coverages - with deductible options
$100,000 limit for Employee Dishonesty/Faithful Performance, 50,000 all other coverages.
For a downloadable application, click on
Forms and select from the list.
Over 800 Missouri cities, counties, schools, nursing homes, health departments and other special purpose or taxing districts participate in our shared-risk pool. The MOPERM staff offers a thorough understanding of the unique coverage challenges and concerns facing public entities.
