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0 0 INFORMATION MEMO <br /> LEAGUE <br /> MINNESOTA LMCIT Liability Coverage Guide <br /> CITIES <br /> Learn about liability (casualty) coverage offered by the League of Minnesota Cities Insurance Trust <br /> (LMCIT), including unique coverage situations for land use litigation, airports, sewer backups, special <br /> events,joint powers entities and more. Understand coverage limits and various incentive programs. <br /> Includes information on filing a liability claim. <br /> I. About the League of Minnesota Cities <br /> RELEVANT LINKS: Insurance Trust <br /> LMC information memos, The League of Minnesota Cities Insurance Trust(LMCIT)is a cooperative <br /> LMCIT Property,Crime, <br /> Bond,and Petrofund joint-powers organization formed by Minnesota cities in 1980 as one of the <br /> Coverage Guide;LMCIT first municipal self-insurance pools in the country. It exists solely to meet the <br /> Auto Coverage Guide; <br /> LMCIT Workers' risk management and coverage needs of Minnesota cities and other types of <br /> Compensation Coverage entities. It provides coverage for members' property, liability,workers' <br /> Guide,and LMCIT <br /> Eligibility Requirements. compensation, and auto risks. <br /> For more information This Coverage Guide provides a summary of liability coverage available <br /> contact the LMCIT <br /> Underwriting Department through the Trust. LMCIT urges members to examine the coverage document <br /> 651.281.1220 for actual wording. In all cases, the coverage document outlines coverage, <br /> 800.925.1122. <br /> exclusions and limitations. <br /> II. Liability coverage <br /> LMC information memo, The LMCIT liability coverage is designed to meet member cities' coverage <br /> Comparing Coverage <br /> Quotes. needs in as simple and foolproof a manner as possible. LMCIT uses its own <br /> unique coverage document to provide liability coverage to member cities. <br /> LMCIT structures liability coverage differently than private insurance <br /> companies typically do. One big difference is that LMCIT uses a single <br /> coverage document, rather than issuing separate policies to cover general <br /> liability, errors and omissions,police liability, and so on. <br /> For more information on The industry term"general liability"or a"commercial general liability" <br /> liability see Handbook,ch. <br /> 19,Insurance and Loss (CGL)policy refers to coverage issued to organizations to protect them from <br /> Control;Handbook,ch.18, liability claims for bodily injury,property damage, and advertising and <br /> Liability. <br /> personal injury. The LMCIT liability coverage is technically not a CGL,but <br /> encompasses coverage for risks typically covered by a CGL. The LMCIT <br /> liability coverage is tailored specifically for cities in Minnesota and is much <br /> broader than a regular CGL policy. <br /> 55 <br />