Each City in APIP or PRISM Property may add police vehicles to their property coverage. Starting 21/22, these vehicles have special deductibles compared to other autos, and we should discuss those individually.

Besides those property programs, Alliant has a auto physical damage program that offers similar coverage, without the deductible variance for police vehicles, it is a deductible per vehicle ($5k, $10k, $25K, etc.). 

These program coverages are similar in rate, but APIP & PRISM are much more flexible on coverage and offer replacement cost coverage (city gets a new car for an old car & more likely to reach retentions / larger recovery). The auto program is cash value after 3 years of age. 

Other markets exist (but are limited, and losses drive cost higher quickly), and larger cities sometimes self insure fleet, depending no loss expectations. 

I believe the enterprise agreement should only apply to their vehicles leased to the city, and the maintenance of the vehicles may be an issue - depending on how long the city plans to operate each vehicle. 

We are not considering a lease, but do you currently insure your police vehicles?  If these a rented by the City, would they be covered under your current property program, subject to a deductible?

Where is Conor...he should know all of this....

Thank you for responding, Betsy. City of Salinas is considering such a lease but Enterprise wants to insure at least 30% of our fleet and something seems off about that.... 

We are not considering such a lease.