Property / Casualty
The Property/Casualty program offered by the League of Minnesota Cities Insurance Trust (LMCIT) provides liability, property, and auto coverages to more than 1,100 members, and is continuously revised and expanded to meet cities' risk management needs.
The liability coverage, in particular, is very broad, and provides the equivalent of general liability, public officials' errors and omissions, law enforcement liability, and other liability coverages that most cities need. A wide variety of deductible options are available.
Specialty Property/Casualty coverages are also available:
Airports
Auto and Transit
- Auto Coverage (pdf)
- Coverage for Damage to Impounded, Seized or Forfeited Automobiles (pdf)
- Coverage Options for Transit Operations (pdf)
Boards and Commissions
Bond
Community Centers and Events
Computer
Contractors
Employee Liability
Excess Liability
Fireworks
Flood Coverage
- Coverage for Flood Damage to City Buildings (pdf)
- The National Flood Insurance Program Community Rating System (pdf)
Land Use & Development
- LMCIT Coverage for Litigation Relating to Land Use Regulation, Development, Franchising and Enterprise Operations (pdf)
- Read more about Land Use
Liquor Liability
Machinery Breakdown
No-Fault Sewer Backup
Open Meeting Law Defense
Property
Volunteers
Your LMC Resource
Staff is available to help with the questions your city faces. From Property/Casualty issues to an underwriting dilemma or a loss control concern, staff is available to help you through.
Connect with Property/Casualty staff
(choose "PC Claims" or "PC Legal" under "Department")
Spotlight: Ride-Alongs
Many Minnesota cities offer and encourage residents to participate in ride-along programs offered by emergency service departments. These programs offer residents a first-hand look at the day-to-day activities of city staff. These programs, however, come with inherent risks that cities should seek to mitigate. A Risk Information Memo from the League outlines issues to consider, the value of waivers and releases, and more.
Read "Ride-Alongs: Are the benefits worth the risks?" (pdf)
Risk Management Information
The Resource Library offers a wide range of information on issues related Risk Management. Visit the Resource Library to do key word searches, or use the "Browse by Resource Type" and "Hot Topic" searches to view broad categories of information. The Resource Library is home to Risk Management memos and more. Use the link below to easily browse all Risk Management memos.
View a list of Risk Management Memos in the Resource Library