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145 University Ave. West www.lmc.org 2/13/2017 <br />Saint Paul, MN 55103-2044 (651)281-1200 or (800) 925-1122 © 2017 All Rights Reserved <br />This material is provided as general information and is not a substitute for legal advice. Consult your attorney for advice concerning specific situations. <br />INFORMATION M EMO <br />LMCIT Liability Coverage Guide <br />Learn about liability (casualty) coverage offered by the League of Minnesota Cities Insurance Trust <br />(LMCIT), including unique coverage situations for land use litigation, airports, sewer backups, special <br />events, joint powers entities and more. Understand coverage limits and various incentive programs. <br />Includes information on filing a liability claim. <br />RELEVANT LINKS: <br />I.About the League of Minnesota Cities <br />Insurance Trust <br />LMC information memos, <br />LMCIT Property, Crime, <br />Bond, and Petrofund <br />Coverage Guide; LMCIT <br />Auto Coverage Guide; <br />LMCIT Workers’ <br />Compensation Coverage <br />Guide, and LMCIT <br />Eligibility Requirements. <br />The League of Minnesota Cities Insurance Trust (LMCIT) is a cooperative <br />joint powers organization formed by Minnesota cities in 1980 as one of the <br />first municipal self-insurance pools in the country. It exists solely to meet the <br />risk management and coverage needs of Minnesota cities and other types of <br />entities. It provides coverage for members’ property, liability, workers’ <br />compensation, and auto risks. <br />For more information <br />contact the LMCIT <br />Underwriting Department <br />651.281.1220 <br />800.925.1122. <br />This Coverage Guide provides a summary of liability coverage available <br />through the Trust. LMCIT urges members to examine the coverage document <br />for actual wording. In all cases, the coverage document outlines coverage, <br />exclusions and limitations. <br />II.Liability coverage <br />LMC information memo, <br />Comparing Coverage <br />Quotes. <br />The LMCIT liability coverage is designed to meet members’ coverage needs <br />in a simple and foolproof manner. LMCIT uses its own unique coverage <br />document to provide liability coverage to member cities. LMCIT structures <br />liability coverage differently than private insurance companies typically do. <br />One big difference is that LMCIT uses a single coverage document, rather <br />than issuing separate policies to cover general liability, errors and omissions, <br />police liability, and so on. <br />For more information on <br />liability see Handbook, <br />Insurance and Loss <br />Control. Handbook, <br />Liability. <br />The industry term “general liability” or a “commercial general liability” <br />(CGL) policy refers to coverage issued to organizations to protect them from <br />liability claims for bodily injury, property damage, and advertising and <br />personal injury. The LMCIT liability coverage is technically not a CGL, but <br />encompasses coverage for risks typically covered by a CGL. The LMCIT <br />liability coverage is tailored specifically for cities in Minnesota and is much <br />broader than a regular CGL policy.