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RELEVANT LINKS: <br />League of Minnesota Cities Information Memo: 8/6/2018 <br />LMCIT Liability Coverage Guide Page 4 <br /> 3. Risks for which specialty coverage is needed <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br />See Section III.K, Liquor <br />liability. <br />See Section III.T, Special <br />events. <br /> <br /> <br /> <br /> <br /> <br /> <br />See Section III.T, Special <br />events. <br /> <br /> <br /> <br />See Section III.T, Special <br />events. <br /> <br />• Aircrafts (a drone is not considered an “aircraft” if it’s not designed for the <br />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. <br />Members can also choose either to waive or not to waive the monetary tort <br />caps the statutes provide. It can also select from among several liability <br />coverage 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. LMCIT’s liability coverage provides a standard limit of $2 million per <br />occurrence. Higher limits are in 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.