Handbook for Minnesota Cities Chapter 18: Insurance and Loss Control

This content conveys general information. Do not use it as a substitute for legal advice. Any attorney general opinions cited are available from the League’s Research staff.

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.