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Insurance helps pay lawful claims and can provide a defense when meritless claims are made. Learn about basic and specialty insurance coverage, fidelity and faithful performance bonds, sources of insurance, and more. Typical types of insurance for a city include automobile (car), property and workers compensation coverage, open meeting law defense, and sometimes liquor liability. Understand how loss control measures – the ongoing process of analyzing and responding to hazards – can reduce the likelihood that injuries will occur and claims will be made.