Municipal Liability

The Trust’s liability coverage is designed to meet members’ coverage needs as simply as possible. Coverage is tailored specifically for Minnesota cities and related entities, and it’s much broader than a regular, commercial general liability policy. The Trust uses its own unique coverage document and issues only one agreement, rather than separate policies to cover things like municipal liability, errors and omissions, and police liability.

Get details about municipal liability coverage:


LMCIT Liability Coverage Guide (pdf)

  • Learn about liability (casualty) coverage offered by LMCIT, including unique coverage situations for land use litigation, airports, sewer backups, special events, joint powers entities, cybersecurity, and more.
  • Understand coverage limits and various incentive programs.
  • Get information on filing a liability claim.

Read more about specific coverages: