Comparing Coverage QuotesPublished Nov 30, 2017
Find questions to ask commercial insurance companies when comparing their property, liability, auto, workers’ compensation, crime, and bond coverage to the coverage offered by the League of Minnesota Cities Insurance Trust (LMCIT).
Computer and Network Loss ControlPublished May 16, 2018
Learn some of the risks in storing and sharing city data on computers, including portable devices. Find out how to protect the city from common risks such as data breaches, virus contamination, ransomware, hacker attacks, and computer misuse by employees. Understand issues presented by social media such as Facebook, blogs, and Twitter. Links to a model employee computer use policy.
Considerations In Drafting Inter-Agency Drug Task Force AgreementsPublished Aug 14, 2013
Learn some of the most important elements to consider when drafting inter-agency drug task force agreements, regardless of the structure used. Review possible forms an agreement may take, key insurance and liability elements, determination of operating procedures and termination of the agreement.
Considerations In Mutual Aid AgreementsPublished Jul 26, 2017
Use this discussion and the linked model mutual aid agreement when you are working with another local government to address liability, workers’ compensation and equipment damage in mutual aid situations in ways recommended by the League of Minnesota Cities Insurance Trust.
Coverage for Cyber and Computer-Related RisksPublished Nov 30, 2017
Learn more about how the League of Minnesota Cities Insurance Trust (LMCIT) liability, property, crime, bond, and auto coverages respond to cyber and other computer-related risks.
Experience Rating in LMCIT's Liability And Workers' Compensation PremiumsPublished Nov 15, 2018
Understand the League of Minnesota Cities Insurance Trust’s (LMCIT’s) experience rating formula, which compares the member’s actual loss history with the amount of losses that would be expected for a member of that size, if the member were a perfectly average LMCIT member. Learn how the comparison is used to adjust the member’s future premiums above or below the average.
Extraordinary Expense CoveragePublished Nov 21, 2017
Learn about the League of Minnesota Cities Insurance Trust’s (LMCIT) coverage for extraordinary member expenses, a coverage specifically designed to assist a member that’s been unavoidably hit by unexpected expenses.
Fire Department Management and Liability IssuesPublished Dec 15, 2017
Outlines the structure of city volunteer or paid-on-call fire departments and their basic management challenges in personnel, finances, and facility safety. Discusses optional organization as a consolidated department, powers of volunteer fire relief association members contrasted with city fire department employees, the Insurance Services Office (ISO) fire protection rating system, and links to model documents for fire charges, management policies, and fire service contracts.
Intergovernmental Cooperative AgreementsPublished May 2, 2017
Understand different forms of cooperation such as mutual aid agreements, joint powers contracts, service contracts, and contracts for shared resources or personnel. Read about common pitfalls and learn recommended provisions for minimizing claims and managing your liability risks. This memo includes sample hold-harmless contract language and links to model agreements.
Land Use Conditional Use PermitsPublished Jan 11, 2019
Learn the basics of conditional use permits (CUPs) in administering the city’s land use ordinances. Define conditional use permits, for what purposes they may be granted; learn who grants them and procedural considerations for public hearings and the role of neighborhood opinion. Understand expiration dates, time limits and revocation of CUPs.
Land Use NonconformitiesPublished Sep 5, 2018
Learn what the city can and cannot do about land uses, structures or lots that do not comply with the city’s current zoning ordinance. Read about statutory restrictions and the city’s role in administering nonconforming uses.
Land Use Ordinance MistakesPublished May 2, 2018
Find and fix common land use mistakes in your city's ordinances. Avoid land use problems and claims by reviewing time limits for action, voting threshold requirements, restrictions on nonconforming uses, standards for conditional use and variances and zoning rules for manufactured homes.
Land Use VariancesPublished Nov 15, 2017
Learn about variances as a way cities may allow an exception to part of their zoning ordinance. Review who may grant a variance and how to follow and document the required legal standard of “practical difficulties” (before 2011 called “undue hardship”). Links to a model ordinance and forms for use with this law.
Liability Claim ProceduresPublished Nov 20, 2017
Understand why the League of Minnesota Cities (LMCIT) may deny a liability claim and the consent to settle provisions of the LMCIT liability coverage.
LMCIT Auto Coverage GuidePublished Nov 15, 2018
Understand auto liability, auto physical damage, no-fault, and uninsured/underinsured coverage offered by the League of Minnesota Cities Insurance Trust (LMCIT), including coverage options, provisions, and how coverage works in specific situations such as the use of personal vehicles on city business and coverage for impounded or seized autos. Includes information on filing an auto claim.
LMCIT Eligibility RequirementsPublished Nov 16, 2017
Learn about participation, eligibility and League membership requirements in the League of Minnesota Cities Insurance Trust.
LMCIT Liability Coverage GuidePublished Nov 15, 2018
Learn about liability (casualty) coverage offered by the League of Minnesota Cities Insurance Trust (LMCIT), including unique coverage situations for land use litigation, airports, sewer backups, special events, joint powers entities and more. Understand coverage limits and various incentive programs. Includes information on filing a liability claim.
LMCIT Property Appraisal ProgramPublished Sep 21, 2018
Learn about the League of Minnesota Cities Insurance Trust’s (LMCIT) property appraisal program, a service that is provided to all members to ensure property premiums and coverage limits are accurate.
LMCIT Property, Crime, Bond, and Petrofund Coverage GuidePublished Nov 15, 2018
Learn about property, crime, and petrofund coverage offered by the League of Minnesota Cities Insurance Trust (LMCIT), including builder's risk coverage and property coverage options for bond, flood, equipment breakdown, and municipal electric utilities. Understand coverage limits, LMCIT's property appraisal program, and schedule of property to identify at renewal and midterm. Includes information on filing a property claim.
LMCIT Workers' Compensation Coverage GuidePublished Jan 1, 2018
Learn about the workers' compensation statute and the unique coverage features offered by the League of Minnesota Cities Insurance Trust. Understand premium and deductible options. Includes information on filing a workers' compensation claim.
LMCIT's Financial StabilityPublished Nov 20, 2017
Learn about the League of Minnesota Cities Insurance Trust's (LMCIT’s) financial strength, financial management practices and reinsurance protection.
Making and Managing City ContractsPublished Aug 24, 2015
Understand what constitutes a contract (a handshake? A verbal "OK"?) and why all contracts should be in writing. Find contract drafting tips. Learn how to manage risks in contract provisions through defense and indemnification language, insurance requirements, and special considerations for construction contracts. Links to sample hold-harmless and other indemnification language, including suggestions for AIA contract modification. Contains model independent contractor agreement and insurance requirement policy.
Park And Recreation Loss Control GuidePublished Aug 25, 2017
Cities strive to make their parks and recreation facilities and programs as safe as possible. Find here an overview of key risk management concepts and specific advice for managing many common programs and events such as snow hills, ice skating or swimming facilities, trails, skateparks, parades, sports leagues, and more. This memo also contains links to model policies, checklists, and forms.
Planning & Zoning 101Published Nov 15, 2017
Learn the basics of why and how cities engage in land use planning and regulation, and why local officials should take time to carefully and conscientiously create land use laws. Tools discussed include comprehensive land use plans and zoning ordinances. Find a graphic to illustrating levels of city council discretion to decide at various stages in these processes.
Planning For Critical Incident ResponsesPublished Mar 6, 2018
Find information and guidance for Minnesota law enforcement agencies on planning for and managing critical incidents such as officer-involved shootings and police actions resulting in death or serious injury. Also, access a link to a model policy.
Potential Infectious Disease Exposures in Municipal OperationsPublished Oct 4, 2017
Learn about infectious disease vaccinations for city workers. Find out about tuberculosis (TB) and how it spreads. Understand requirements for TB screening tests of city employees working in jails and lockups, and those working as emergency medical professionals. Learn about League of Minnesota Cities Insurance Trust workers’ compensation coverage for costs associated with testing workers exposed to bloodborne pathogens and occupationally infectious diseases.
Providing Assistance In EmergenciesPublished Nov 22, 2017
Learn more about providing and receiving disaster assistance, including applicable statutes, how the LMCIT coverage applies in emergency situations and when city emergency personnel voluntarily provide first aid or other assistance at an emergency scene while they are not on duty, and other potential problems cities need to be aware of. Links to a model off-duty emergency assistance policy.
Reducing LMCIT Premium CostsPublished Nov 20, 2017
Explore ways in which League of Minnesota Cities Insurance Trust (LMCIT) members can reduce premium costs. Understand the effect of reducing costs and other important considerations.
Role With It - Individual Vs. Council AuthorityPublished Jan 7, 2019
Learn common ways councilmembers may overstep their proper role and the personal liability that may ensue. Understand actions you may take in your role as an individual councilmember versus your role as part of the entire city council.
Safety Committee ToolkitPublished Oct 3, 2017
Learn city obligations under state and federal Occupational Safety and Health Administration (OSHA) standards and how to meet them. Red toolkit icons mark links to sample forms, checklists, and other resources. Understand how to develop an employee health and safety committee, conduct self-inspections, and create job hazard analyses. Learn also about conducting effective employee accident investigations and what to maintain for OSHA and workers’ compensation insurance records.
Sanitary Sewer Toolkit: A Guide for Maintenance Policies and Procedures Published Oct 1, 2017
Learn how to avoid sanitary sewer backups through improved system maintenance and limit your liability with improved documentation if a backup does occur. Red toolkit icons mark links to model policies, forms, and public education pieces. Find related risk management information on inflow and infiltration, no-fault sewer backup coverage, discretionary immunity and Pollution Control Agency sewer system by-pass requirements.
Self-Insuring Workers' CompensationPublished Nov 30, 2017
Find out how the League of Minnesota Cities Insurance Trust (LMCIT) can help cities with workers’ compensation premiums over $250,000 evaluate whether self-insuring is feasible and economical. Understand loss development, the special compensation fund, projecting next year’s losses and accounting issues.
Sign Ordinances and the First AmendmentPublished Mar 5, 2018
Learn how to design a sign ordinance for your city that meets the requirements of the First Amendment for protecting various forms of speech.
Taking the Mystery Out of Findings of FactPublished Aug 21, 2017
“Findings of fact” (a city’s written explanation of a decision) are a crucial part of land use decisions, and acting without a clue can be treacherous. Take the mystery out of findings of fact by exploring the what, why, and how of findings facts to make defensible decisions.
The Agent's Role and Compensation In LMCITPublished Nov 21, 2017
Understand the role of agents and their compensation in the League of Minnesota Cities Insurance Trust (LMCIT) property/casualty and workers’ compensation programs.
Use Of Body-Worn CamerasPublished Dec 15, 2017
State law offers significant guidance on policies governing law enforcement use of body-worn cameras (BWC) and the resulting data. This discussion and the linked model policy are intended to help cities administer BWC programs and data soundly and in accordance with law.
Workers' Compensation Claim ManagementPublished Nov 20, 2017
Find information related to workers’ compensation claim management, including what injuries to report, when to report an injury, what forms to use, how to report an injury, what happens after reporting, and injury management techniques.
Zoning DecisionsPublished Nov 15, 2017
Zoning decisions are the source of controversy and confusion in many communities. Understanding a city’s zoning authority and the standards associated with various zoning tools is important in navigating controversy and dispelling confusion. Learn the nature of a city’s decision-making authority and the legal standards associated with variances, conditional use permits, and nonconformities.