Laserfiche WebLink
In addition to specific alcohol-related liability,there is also potential liability <br /> for negligence related to the use of alcohol. There could be possible injury or <br /> damage if a city or group did not provide adequate maintenance, supervision, <br /> or security when alcohol is used. <br /> 1. LMCIT coverage for city-related liquor liability <br /> See Section II.C.2,Risks The LMCIT liability coverage contains an exclusion for liquor liability,but <br /> that must be specifically <br /> underwritten. optional coverage can be provided under a separate, standalone covenant. The <br /> coverage is available for off-sale municipal liquor stores, on-sale municipal <br /> Contact your LMCIT <br /> underwriter for an liquor stores, and special event liquor or beer sales by an organization that is <br /> application to obtain a quote an instrumentality of a member city, including cities that do not operate a <br /> for liquor liability coverage. <br /> 651.281.1200 municipal liquor store. <br /> 800.925.1122. <br /> a. Eligibility <br /> Find a pre-approved vendor Members are required to demonstrate annual server training has been <br /> in the LMCIT Alcohol <br /> Awareness Brochure, completed as a condition of coverage. The training must be obtained by a <br /> training vendor pre-approved by LMCIT. <br /> b. Coverage limits and deductibles <br /> See Section II.D.3, Cities can choose limits of either$500,000 per occurrence/$500,000 annual <br /> Purchasing higher liability <br /> limits. aggregate or$1 million per occurrence/$1 million annual aggregate. Higher <br /> limits can also be provided through the LMCIT excess liability coverage. <br /> For cities that carry the LMCIT excess liability coverage,the excess coverage <br /> does not automatically apply to liquor liability. The excess coverage can on <br /> request be endorsed to apply to liquor liability for an additional charge. <br /> c. Coverage terms <br /> The LMCIT liquor liability coverage provides coverage for the liquor liability <br /> exposure. Coverage is on an occurrence basis. The city and the city's officers, <br /> employees, and volunteers are all covered parties. <br /> Each individual premises at which liquor sales are conducted must be <br /> specifically scheduled on the declarations page or by endorsement in order for <br /> coverage to apply. Similarly,the coverage will not apply to any liquor,beer, <br /> or wine sales at city-sponsored special events unless that event has been <br /> specifically scheduled. This includes both sales by an organization such as a <br /> fire relief association under a temporary license or sales by the municipal <br /> liquor store at a temporary off-premises location. <br /> LMCIT Liability Rating Rates are based on the gross receipts of the municipal liquor store or licensee. <br /> System. There is a simple 10 percent debit that applies if the city has had a liquor <br /> liability claim within the past five years. <br /> 84 <br />