2.4. ERMUSR 05-10-2016 - Laserfiche WebLink

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To determine whether If the city is involved in fireworks as an operator or as a sponsor,the city LMCIT can provide coverage for fireworks, won't have liability coverage for any damages arising out of the display, complete the LMCIT unless the city takes special steps to put coverage into place. In some Fireworks'Questionnaire. circumstances, LMCIT can delete the exclusion and provide liability coverage for a fireworks display. LMC information memo, In considering whether the city should contract with someone else or operate a Fire Department Management and Liability fireworks display itself, it's important to remember that every fireworks Issues. display must be supervised by an operator who has been certified by the State Minn.Stat.§624.22. Fire Marshal. State law also requires that any fireworks display meet safety State Fire Marshall. guidelines developed by the State Fire Marshal. If the city contracts with someone else to operate the fireworks display, which is the preferred loss control approach,he or she must apply to the city for a Minn.R.7511.3308. display permit, and before granting the permit the city fire chief must make sure the applicant is properly certified and that the proposed display will meet the applicable safety requirement and guidelines. The city should also make sure the contractor has adequate insurance limits and lists the city as an additional insured under the contractor's insurance. By doing the latter, LMCIT can then on request delete the fireworks exclusion from the city's coverage for a small cost. The city's LMCIT liability coverage would then apply as excess over the contractor's coverage. This would give the city additional protection in case of a very large claim, if the contractor's insurance company went broke, and so on. Unfortunately, it's not always possible for cities to hire a private contractor to handle the fireworks display. Sometimes the only feasible option is for the Minn.Stat.§624.22. city to put on the display itself, using city staff and volunteers. In this State Fire Marshall. situation, LMCIT can by endorsement provide the needed liability coverage, To determine whether provided the city has adequately trained staff and a safe location for the LMCIT can provide display and meets the State Fire Marshal's requirements for operator coverage for a fireworks certification and fireworks display safety. Cities should contact LMCIT as display,complete the LMCIT Fireworks early as possible to allow the underwriting staff enough time to evaluate Questionnaire. whether LMCIT will be able to provide the requested coverage. H. Independent contractors See Section II.A,Covered Independent contractors are not covered parties under the city's LMCIT parties, liability coverage. The only exceptions are independent contractors acting in the administrative capacity of medical director or medical advisor to the city ambulance service and independent contractors serving as a member of, or representing the city as a member of, a committee, subcommittee,board, or commission. 73