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coverage limit for cities involved in beer or liquor sales; etc. However, we'd urge cities <br />to consider very cam fully before t -rldng any of these steps, and to look first at some of the <br />other suggestions outUmed above. <br />Reducing coverage limits means that the city is reWning the risk of the large loss that the <br />higher Units would have covered. Financially it makes more sense to retain the risk of <br />high - uency, low - severity losses — i.e., use deductibles — rather than gdo that that <br />one big loss won't occur and that you wonst be faced with that catastrophic cost. <br />Another option the city could consider eliminating is the volunteer accident coverage. <br />This optional coverage provides "no-fault" befits to city volunteers who are " "ured <br />while performing servrices for the city. However, we're he that quite a few cities are <br />making more use of volunteers as one way to deal with budget cuts. Deep m mind that <br />for those city volunteers who aren't covered by work comp, the volunteer accident <br />coverage may be the only protection they have if they're iniured while volunteering for <br />the city. The 1 MCIT memos `Accident Coverage for City Volunteers" and "'Covering <br />the City's Volunteers" discuss this in more detail. <br />As always, feet free to contact your l MCIT underwriter if you have questions. <br />