2.4. ERMUSR 05-10-2016 - Laserfiche WebLink

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3. Risks for which specialty coverage is needed • Aircrafts (a drone is not considered an"aircraft"as long as it's not designed for the transport of persons or property). • Architects. • Big boats. See Section III.K,Liquor • Doctors, most nurses, dentists,pharmacists, and psychologists. liability. • Liquor sales. See Section III.T,Special • Motorized amusement rides, such as carnival rides. events. • Motor vehicle demolition derbies,racing,pulling contests, or stunt driving. • Prisons. See Section III.T,Special • Railroads. events. • Rodeos. • Specialty type operations such as hospitals, clinics,nursing homes and See Section LILT,Special licensed child care programs. events. • Stunting activities or events that involve a significant risk of serious injury to the participant, performer, or others, such as high-wire acts,base or bungee jumping, skydiving,circus type acts, and acts involving dangerous animals. D. Coverage limits LMCIT gives cities several options for structuring their liability coverage. The city can also choose either to waive or not to waive the monetary tort caps the statutes provide. It can also select from among several liability coverage limits. 1. LMCIT primary liability limits Minn.Stat.§466.04. The statutory municipal tort liability is limited to a maximum of$500,000 per claimant and$1.5 million per occurrence. These limits apply whether the claim is against the city, against the individual officer or employee, or against both. LMCIT's liability coverage provides a standard limit of$2 million per occurrence. Coverage limits that are higher than the statutory tort caps are in place for a couple reasons. See Section II.D.3.a, First,the statutory liability limit caps the city's liability for many types of Statutory limits may not apply. claims. But some types of liability claims aren't subject to the statutory tort caps, so the city's potential liability is unlimited for some types of claims. 58