11-26-2018 Council Packet - Laserfiche WebLink

Home Browse Search

RELEVANT LINKS: League of Minnesota Cities Information Memo: 2/13/2017 LMCIT Liability Coverage Guide Page 2 A.Covered parties Generally, the following are covered parties under the LMCIT municipal liability coverage. •City and its officers, employees, and volunteers. •Relief associations. •Some joint planning boards. •Additional covered parties, on a limited basis, for organizations from which the city leases a premise or equipment. This additional insured status is only granted if the city is contractually obligated to have the lessor named as an additional insured. It only applies to bodily injury, property damage, or personal injury for claims that are made by the lessor due to the city’s acts during the terms of the lease agreement. •Independent contractors acting in the administrative capacity of medical director or medical advisor to the city ambulance service; or serving as a member of, or representing the city as a member of a committee, subcommittee, board, or commission. See Section III.I, Joint powers entities and Section III.Q, Separate city boards and commissions. If the city is required to add another party as an additional insured or additional covered party, LMCIT can add the party on the city’s municipal liability coverage by endorsement. Also, joint powers entities and the following city boards, commissions, and agencies are not covered parties unless they are specifically named or added by endorsement. •Gas, electrical, or steam utilities commissions. •Port authorities, housing and redevelopment authorities, economic development authorities, municipal redevelopment authorities, or similar agencies. •Municipal power or gas agencies. •Welfare or public relief agencies •School boards. •Independent contractors. B.Liability claims The LMCIT liability coverage provides protection for claims someone else makes against the city, an officer or employee, or another covered party. The coverage only protects these persons for actions arising from the course and scope of his or her duties. The coverage applies to damages and defense costs. Damages is specifically defined in the coverage document, but essentially it means money. However, certain items are specifically included and others are specifically excluded by the definition.