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RELEVANT LINKS: <br />League of Minnesota Cities Information Memo: 2/13/2017 <br />LMCIT Liability Coverage Guide Page 4 <br />3.Risks for which specialty coverage is needed <br />See Section III.K, Liquor <br />liability. <br />See Section III.T, Special <br />events. <br />See Section III.T, Special <br />events. <br />See Section III.T, Special <br />events. <br />•Aircrafts (a drone is not considered an “aircraft” as long as it’s not <br />designed for the transport of persons or property). <br />•Architects. <br />•Big boats. <br />•Doctors, most nurses, dentists, pharmacists, and psychologists. <br />•Liquor sales. <br />•Motorized amusement rides, such as carnival rides. <br />•Motor vehicle demolition derbies, racing, pulling contests, or stunt <br />driving. <br />•Prisons. <br />•Railroads. <br />•Rodeos. <br />•Specialty type operations such as hospitals, clinics, nursing homes and <br />licensed child care programs. <br />•Stunting activities or events that involve a significant risk of serious injury <br />to the participant, performer, or others, such as high-wire acts, base or <br />bungee jumping, skydiving, circus type acts, and acts involving dangerous <br />animals. <br />D.Coverage limits <br />LMCIT gives members options for structuring their liability coverage. The <br />member can also choose either to waive or not to waive the monetary tort caps <br />the statutes provide. It can also select from among several liability coverage <br />limits. <br />1.LMCIT primary liability limits <br />Minn. Stat. § 466.04. The statutory municipal tort liability is limited to a maximum of $500,000 per <br />claimant and $1.5 million per occurrence. These limits apply whether the <br />claim is against the city, against the individual officer or employee, or against <br />both. <br />LMCIT’s liability coverage provides a standard limit of $2 million per <br />occurrence. Coverage limits that are higher than the statutory tort caps are in <br />place for a couple reasons. <br />See Section II.D.3.a, <br />Statutory limits may not <br />apply. <br />First, the statutory liability limit caps the city’s liability for many types of <br />claims. But some types of liability claims aren’t subject to the statutory tort <br />caps, so the city’s potential liability is unlimited for some types of claims.