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Members are encouraged to review the following considerations before reducing 明尼苏达城市联盟 保险信托 (LMCIT) premium costs.
责任保险
考虑放弃医疗保险.
LMCIT责任保险的B险, 或者“医疗支付”的保险, 提供有限的金额(2美元,每人500美元，10美元,000 per occurrence) of no-fault coverage for medical treatment for those injured on city property because of a condition in the property.
The medical payments coverage only comes into play in situations where the city is not legally liable for the injury (if the city is legally liable for the injury, 它将作为责任索赔覆盖). 在许多情况下, the medical payments coverage pays costs that would otherwise be covered by the individual’s own health insurance. 降低医疗支付的覆盖面可以减少一个百分点左右的责任保险费.
考虑不要放弃法定的侵权责任限额.
LMCIT让市正规的网络购彩网站可以选择放弃法定责任限制. 责任保险 is more expensive if the city waives the limits; the cost difference is 3.选择免除的会员可获得5%的责任保险费. Waiving the limits does not give the city better protection; the benefit is only to the party who is making a liability claim against the city.
不要购买不必要的“专业”责任保险.
Cities sometimes purchase specialty policies from private insurance companies for risks already covered by the city’s LMCIT liability coverage. 如果您的城市购买以下任何一种作为单独的政策, 你应该仔细检查是否仍有必要这样做:
- 警察的责任
- 消防员职业责任
- 救护车职业责任
- 正规的网络购彩网站官员的责任
- 就业实践的责任
- 员工福利责任
- 救济协会的信托责任
- 消防救助协会保证书
- 网络或数据安全违约责任
考虑放弃可选的无故障下水道备份覆盖.
LMCIT的可选无过错下水道备份覆盖补偿业主造成的损害，下水道备份, 不管城市是否有疏忽和法律责任. 许多城市认为这对市民是有好处的, 在预算紧张的时候可以考虑取消它. The cost of this coverage varies greatly by member because it is based on the number of sewer connections and the limit selected, 在其他方面, 但保费可能低至100美元，高至20美元,000或更多.
考虑对服务契约进行更改.
在LMCIT的责任评级体系下, there are two areas where cities can potentially reduce their liability premium if service contracts are arranged in a manner that adequately reduces the city’s liability exposure. 服务合同可以发送给LMCIT风险管理律师Chris Smith csmith@everydayadventure.net 审查.
执法的合同
如果一个城市与一个县或其他实体签订了执法服务合同, LMCIT会就警方暴露责任一事收取费用(按人员人数计算), 除非执法合同充分地将风险从接收服务的城市转移出去. If the entity that is providing the service agrees to defend and indemnify the city receiving the service for claims arising out of the services performed under the law enforcement agreement, LMCIT将免除接收服务的城市的警察责任保险费.
其他服务合同
责任评级系统的另一个组成部分是基于一个城市的年度支出. 对于某些类型的服务合同，这些合同充分地将风险从接收服务的城市转移出去, LMCIT可以在评级基础上放弃包括与该合同相关的支出. 与年度支出相关的责任保险费的基本费率大约是每1美元对应1美元,年支出为000. 一份两百万美元左右的大合同, 例如, could potentially save the city a couple thousand dollars in liability premium if it is submitted to LMCIT and structured in a manner that adequately reduces the city’s liability exposure. 财产保险
不要覆盖租用的建筑.
当市正规的网络购彩网站把市正规的网络购彩网站所有的建筑租给私人团体时, 租赁协议可能要求承租人为建筑物投保. There are occasionally situations where the city also schedules the building under the city’s property coverage to protect the city in case of any problem with the tenant’s insurance. 如果你有一栋出租的建筑，租户正在为它投保, 如果你有保险，承租人就有必要的保险，这就保护了城市的利益, 你可以把那栋楼从城市的监控范围中移除. 当然, 如果租约终止或租客失去保险，你必须确保它被补回来.
报告空置的建筑.
如果一栋建筑是空置的，它只按实际市场价值计算，不按重置成本计算. 空置建筑的溢价也是基于市场价值而不是重置成本, 但更高的利率是用来反映更高的风险. 视情况而定, 当建筑物空置时，其实际溢价可能增加或减少. 当有盖的建筑在中期空置时, 如果保费下降，LMCIT公司将立即给市正规的网络购彩网站提供保费信贷. 如果有增加，LMCIT将放弃增加，直到城市的下一次更新. 还记得, 当一栋建筑物空置时, the coverage automatically switches from replacement cost to market value even if the city hasn’t reported to LMCIT that the building has become vacant.
在NFIP洪水保险中使用高免赔额.
与其他类型的财产保险相比, 国家洪水保险计划(NFIP)的洪水保险是昂贵的. 在某些情况下, cities are required to carry NFIP insurance on certain buildings as a condition of disaster assistance that the Federal Emergency Management Agency (FEMA) provided in the past. NFIP提供可选的免赔额，这可以显著降低保费. 如发生洪水破坏, 该市可以使用LMCIT的特别费用覆盖来资助其在可抵扣项下的成本.
审核发电设施的重置成本值.
LMCIT为发电设施提供一个商定的置换成本覆盖范围. 短暂的, 覆盖范围和保费是基于提供公用事业所需的发电能力的成本, 而不是依赖于复制现有设施的成本. This might make sense in a situation where the utility’s existing facility has significantly more capacity than what the utility needs, or in a situation where a different and newer technology can provide the same generating capacity for less than the cost of replicating the existing facility’s older technology.
汽车保险
修正汽车物理伤害的覆盖范围.
LMCIT automatically provides auto physical damage coverage on all city vehicles unless the city specifically opts not to cover specific vehicles. 如果你有一些更大的, 价值相对较低的车辆，对城市运营并不重要, 考虑删除汽车物理伤害覆盖或删除汽车物理伤害增强覆盖.
Another way to reduce your premium is to ensure the values are actual cash value for those autos without auto physical damage enhancement coverage.
取消用于城市业务的私人车辆的主要汽车责任保险.
The city has the option to make the LMCIT auto liability coverage primary when a city employee uses their vehicle on city business, 每人10美元. 如果市正规的网络购彩网站取消这种选择性覆盖, the employee still has the same total auto liability coverage limit available when using their vehicle on city business. 不同之处在于，员工的个人汽车责任将首先作出回应, 和LMCIT汽车责任保险将适用超额.
债券保险
LMCIT的债券保险, 哪一个是额外的成本覆盖选项, 是为了满足香港正规的网络购彩网站官员债券保险的需要. 如果你所在的城市有LMCIT的债券保险, it doesn’t need to also purchase separate bonds to meet the statutory requirements for the city clerk and treasurer, 救济协会司库, 等等.
LMCIT的债券保险 can also be used to meet the requirements for an economic development authority or port authority treasurer’s bond. 本报告也涵盖了从事慈善赌博的救济协会的赌博经理.
所有的保险
保留更多的风险.
一些城市的财产/意外事故免赔额仍然低至250美元或500美元. 对大多数城市来说，1000美元、2500美元、5000美元或更多的免赔额在经济上更有意义.
城市也应该考虑工人补偿中的医疗扣除选项. 虽然没有明显的保证, the premium savings over time should normally be more than enough to cover the additional risk the city is retaining. 当然, the city needs to make sure that reserve funds are available to cover a reasonable number of deductibles during the year.
中型和大型城市, 综合免赔额的方法对于财产/伤亡保险来说通常是很有意义的. 在这种方法, 该市保留了大量的免赔额, 但这座城市每年的最高花费是有上限的.
例如, 市正规的网络购彩网站负责前10美元,每损失000, 但最多不超过20美元,每年000英镑. 一个小得多的“维护”扣除额然后适用于后续索赔. 这为该市提供了一种方法，通过保留大量风险，大幅降低保费, 但这座城市所承受的最大风险是已知的，可以计划和预算.
“逆向评级”选项在工人补偿方面提供了类似的选择, 对于标准保费为25美元的城市,000或更多.
减少覆盖范围.
降低保费的一个显而易见的想法是降低保险范围, which means the city is retaining the risk of a large loss that would have otherwise been covered by higher coverage limits. 然而, 巨大的损失可能而且确实会发生, and LMCIT urges cities to think carefully before taking this step and to look first at some of the other suggestions outlined in this discussion.
多余的责任保险
LMCIT makes available the option of carrying higher liability coverage limits than the basic limit of $2 million per occurrence. 超额责任保险以100万美元递增，最高可达500万美元. 在拒绝提供保险之前, 城市应该考虑法定的侵权上限(500美元),每名申索人$ 000及$1.每次500万)不适用于几种类型的索赔. 这些包括:
- 联邦民权法下的索赔.
- (三)市正规的网络购彩网站按合同承担的侵权责任的请求权.
- 在另一个州的诉讼要求.
- 基于酒类销售的索赔.
- 基于“索取”理论的索赔.
债券保险
LMCIT为城市提供债券保险，作为一种额外的成本保险选项. 它旨在提供城市和城市官员需要的所有债券覆盖和限制. 债券最低限额为5万美元，最高限额为300万美元.
大多数城市通过LMCIT获得债券担保，但也有一些城市从其他地方购买债券. 在考虑降低保费成本时，降低债券限额是需要考虑的, but there have been instances of cities carrying very low bond limits that essentially do not provide any financial protection. 当员工不诚实造成的损失发生时，其代价是非常巨大的.
考虑减少你的酒险.
LMCIT的责任保险包括酒水责任的免除, 但可选保险可以单独提供, 独立的契约. 这一覆盖范围适用于出售市政酒类商店, 出售市政酒类商店, 特别活动酒类或啤酒的销售由一个组织作为一个成员城市的工具, 包括没有经营市政酒类商店的城市.
对于一家市立卖酒店来说，要确定多大的覆盖率才算足够，并没有一个简单的规则. 不管城市购买的覆盖范围有多大, 我们可以想象这样一种情况，在这种情况下，它是不够的. Ultimately the city council needs to exercise its own judgment in deciding how much coverage to carry and pay for. LMCIT建议，任何有市政酒品商店的城市，酒水的限额至少为500美元,000, 但城市应该强烈考虑提高100万美元或更多的限额.
避免损失.
在保费储蓄方面，避免损失是最重要的重点之一, 有以下几个原因:
- 市政责任、汽车和工人补偿的保费都是按经验评级的.
- 避免损失防止了可扣减的账单.
- 股息公式对损失敏感, 因此，在分配红利时，避免所有类型的损失会使所有明尼苏达州城市受益.
代理费用
Members of the LMCIT property/casualty program are required to designate an agent to provide various insurance and/or advisement services to the city. 参加工伤补偿计划的城市可以选择不使用代理机构的服务, 尽管大多数做.
在决定付给代理人多少钱时, the city should remember that agent fees are negotiable and both parties are free to agree on a higher or lower percentage fee, 或者在补偿代理的不同基础上. Any increase or decrease in the agent’s compensation will flow through directly as a dollar-for-dollar increase or decrease in the city’s premium.
额外的正规的网络购彩网站
从这些额外正规的网络购彩网站了解更多关于LMCIT覆盖范围的信息:
