2.4. ERMUSR 05-10-2016 - Laserfiche WebLink

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4. Hospital, nursing home, or medical clinic board or commission Specialty liability coverage is needed for city hospital,nursing home, or clinic operations, since LMCIT does not provide or offer the professional malpractice coverages that hospitals,nursing homes, and clinics need. The city's LMCIT liability coverage excludes coverage for bodily injury,property damage, or personal injury arising out of hospital, nursing home or clinic operations. The professional liability of physicians, nurses,pharmacists, and dentists is also excluded. The city's LMCIT liability coverage does, however, cover other types of liability claims that might arise from city hospital, nursing home, or clinic operations. This is true whether the hospital,nursing home, or clinic is managed by a separate board or directly by the council. If there is a separate managing board, the members of that city board are automatically covered parties under the city's liability coverage. These boards do not need to be specifically named as covered parties in the declarations. One very important exposure LMCIT covers is employment-related liability claims arising from these activities. 5. Municipal power or gas agency Minn.Stat.§453.52. The statutes provide that a municipal power agency or municipal gas agency is legally a separate political subdivision and municipal corporation created by agreement between or among two or more cities. Thus,these organizations have some characteristics both of political subdivisions and of joint powers entities. Any city that participates in a municipal power or gas agency should make sure the agency does have appropriate liability coverage. The city's own LMC information memo, LMCIT liability coverage does not cover claims arising from the activities of LMCIT Eligibility a municipal power or gas agency. As a special purpose political subdivision, a Requirements. municipal power or gas agency is eligible to become a member of LMCIT and obtain coverage. R. Sewer backups Liability coverage for sewer backups is a standard feature of the LMCIT liability coverage. There are no specific exclusions for claims arising out of sewer backups for which the city is negligent in causing. See Section iii.R.2,No- The LMCIT liability coverage for sewer backups should not be confused with fault sewer backup coverage. LMCIT's no-fault sewer backup coverage. The standard LMCIT liability coverage responds when the city is negligent,while the no-fault sewer backup coverage provides coverage for a property owner irrespective of whether the backup was caused by city negligence. 97