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r <br /> The two obvious ways to reduce cost are to self insure the crime coverage and to lower <br /> the excess liability and public officials liability from $10,000,000 to $6,000,000. This would <br /> save $53,174. Staff does not recommend this change because future market conditions may not <br /> allow us to have the same limits if we reduce it now. <br /> Raising the self-insured retention is probably not cost effective based on the premium <br /> reduction. The quote for the package at $200,000 SIR is a savings of$31,000, and at $250,000 <br /> SIR, the saving is $47,400. <br />