5.1. SR 09-05-1995 - Laserfiche WebLink

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`. ..~~ ~...~ League of Minnesota Cities August 28, 1995 To: City officials ~z'' s~ 3490 Lexington Avenue North St. Paul, MN 55126-8044 From: LMCIT Board of Trustees Over the past year, private insurance companies have shown renewed interest in selling insurance to cities. Since your city's renewal is coming up soon, you may well have heard from the St. Paul Companies, the Employers Mutual program sponsored by the MMUA, or one of the other insurance companies that would like to sell you some insurance. LMCIT has done a pretty good job for cities for quite a few years, and we'd like to take a little time to talk about that record. Ultimately it comes down to one key question: Are cities likely to get better coverage, lower cost, or better service by leaving LMCIT and going to a private insurance company? • Can we get better coverage by leaving LMCIT? We've yet to see an insurance company match the coverage LMCIT provides cities. Every year for many. years, LMCIT has introduced improvements and refinements to broaden the coverage. and better protect cities. Some are relatively minor things that would only rarely come up, like covering the liability fora physician's administrative acts as the city ambulance service's medical adviser. Others are much more significant, such as adding coverage for inverse condemnation .liability arising out of land use regulations, picking up employment-related charges at the EEOC or Human Rights Commission level, or offering coverage for open meeting law defense costs. We're working on additional changes right now for 1996. ...Many of these coverage changes and,improvements came about because city officials identified problems or gaps in coverages and asked LMCIT to find a way to address them.. In other cases, LMCIT's Board or staff suggested the changes in response to questions or problems we encountered in handling c}aims or working with the coverage. The result of this continual process of revision and improvement is that LMCIT member cities have broader coverage than any we've seen offered to cities anywhere. But the important thing isn't just to toot our horn about how good your LMCIT coverage is (though we have to admit that we kind of enjoy horn-tooting once in a while). The real point we'd like you to keep in mind is that if you see a problem with some aspect of your LMCIT • coverage, you don't have to shop elsewhere to fix that problem. Instead, the first thing to do is to talk to us about it. If it's feasible and it makes sense for cities, we'll do it. AN EQUAL OPPORTUNITY/AFFIRMATIVE ACTION EMPL01rER (612)490-5600 1-800-925-1122 TDD(612)490-9038 Fax(612)490-0072