Handbook for Minnesota Cities Chapter 18: Insurance and Loss Control

This material contains general information; it should not be used as a substitute for legal advice. Any attorney general opinions cited in this material are available on request from the League’s Research and Information Service 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.