The Insurance Trust provides a number of initiatives to minimize risks and reduce losses
The League of Minnesota Cities Insurance Trust (LMCIT) is a cooperative joint powers organization formed by Minnesota cities. This means that cities contribute premiums into a jointly owned fund instead of paying premiums to an insurance company. The money LMCIT uses to pay claims belongs to the cities themselves — and every loss that is avoided saves money.
That’s why LMCIT places such a high priority in helping cities minimize risks and reduce losses, and offers the following information and resources:
If your city needs help working together, understanding roles, being transparent, or avoiding conflict, LMCIT’s Collaboration Services can work with your city to solve issues.
LMCIT’s Contract Review Service is a free program that helps guard member cities from problems that can arise in contractual relationships.
Find the information and resources your city needs to help prevent network, cyber, and privacy losses.
Minnesota cities continuously seek efficient ways to use limited resources, exploring opportunities to cooperate with other entities. These partnerships can provide efficiencies, but also can create unique liability issues.
Because land use is complex and land use claims are expensive, LMCIT’s land use attorney works with members to provide customized information and training, and acts as a resource to elected and appointed city officials, as well as to city attorneys.
Loss Control Advice
LMCIT attorneys, staff, and loss control consultants provide loss control advice to member cities as a supplement to their city attorney’s services. All are available to answer questions on legal loss control issues; the implications of employment-related decisions; review mutual-aid agreements, contracts, and other documents; and more.
Loss control consultants provide a wide range of services to cities, including general and specialized liability assistance.
Police & Fire Resources
Minnesotans benefit from the emergency services delivered by cities; each of these services, though, presents a unique set of management and liability issues. LMCIT has developed resources and training to help members navigate these issues:
Training injuries to public safety responders are on the rise. The training safety officer (TSO) program, developed by LMCIT in cooperation with fire and police departments across the state, helps combat these types of injuries in a low-cost way.
Rob Boe has nearly 40 years in public safety (as both a police officer and a firefighter); as LMCIT public safety project coordinator, Rob focuses on efforts to keep public safety workers safe on the job and he shares insights and industry knowledge on the blog, On the Line.
PATROL gives law enforcement agencies easy access to extensive web-based courses. The program allows law enforcement professionals to earn Peace Officer Standards and Training (POST) credits that meet continuing education requirements, and both Occupational Safety and Health Administration (OSHA) and POST mandates.
Safety Resources & Events
Programs and resources are available to help member cities keep employees safe and to help meet state and federal OSHA mandates:
These groups provide an array of subsidized services to participating cities, including hands-on and web-based safety training, safety audits, and one-on-one consulting.
This program is an affordable, reliable option that provides funding for safety improvements like personal protective equipment, fire suppression/detection equipment, job site safety equipment, and ergonomic equipment.
All LMCIT members can register for this program to gain access to online training videos endorsed by the National Safety Council and provided by FirstNet Learning.
This blog for city public works departments explores the tools you need to do your job safely and what Minnesota city public works departments are road-testing and getting done right.
Help build your employees’ safety training toolbox with short safety training videos through CoastalFlix that can be used as quick refreshers or to supplement your safety meetings.
These workshops focus on providing practical information for cities to help avoid losses and reduce the costs of losses that may occur. Spring workshops are held at locations throughout the state and include topics for staff like public works, fire, peace officers, administration, elected officials, and parks and recreation. Fall workshops are offered at various locations and address specialized topics.
The Trust created the sanitary sewer incentive program to help members reduce the overall cost and frequency of sanitary sewer claims. It provides members greater control over the mandatory, out-of-pocket deductibles they pay for claims and lawsuits related to sanitary sewer backups.