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<br />.. <br /> <br />, <br /> <br />. <br /> <br />REPRESENTING <br /> <br />. <br /> <br />~~M' <br />~ > <br />"'", W!.. <br />" <br /> <br /> <br />~RTHWESTERN <br />NA 110NAL <br />NSURANCE CO. <br /> <br />WM. H. HITE AGENCY <br />INSURANCE AND BONDS <br />1595 Selby Ave..... <br />St. Paul 4, Minn. <br />Telepho.... Midway 5-3927 <br /> <br />Village of Arden Hills <br />Page Two <br /> <br />been several interpretations of the recent changes <br />made as respects Liability of political sub-divisions <br />in Minnesota made bv the state legislature in 1963. <br />Our insurance compa-des "ave interpretated these <br />changes to require Bodily Injury limits of $50,000 <br />eacl, person, ~300,OOO each occurrence for Automobile <br />and General Liability; Property Damage limits of <br />~300,OOO each occllrrence and $300,000 aggregate for <br />both Automobile and General Liability. <br /> <br />In view of the above, I WOll'd suggest P,at the Bodil y <br />Injury limits remain as is as they are more than satis- <br />factory, and the Propertv Damage limits for Automobile <br />and General Liability should be increased to ~300,OOO <br />eac" occurrence with $300,000 aggregate. This would <br />bring the policv in line with the limits required as <br />well as amending the wording from per accident to per <br />occurrence for Property Damage. The additional premium <br />would be approximately ~75.00 per year. <br /> <br />The present Comprehensive General Liability coverage <br />p~ovides protection for the village for any activity <br />necessary in the conduct of village business which <br />would include the planning commission, voting committees <br />etc. The policy would not provide any coverage for the <br />individual as tl'ev would obtai n it from their own person- <br />a~ I ialrl'itv insurance. In most cases the primary I iabil ity <br />would no doubt falJ upon the viI! age, and coverage would be <br />obtained through your policy. <br /> <br />As respects accidents on village owned playgrounds, the <br />Comrehensive General Liability Policv provides coverage on <br />all properties owned by, leased to, or used by the village <br />or any recreational use. and the Cllrrent po'icy includes <br />coverage for one (I) park at this time. If additional <br />park areas are obtained or leased or used during the policy <br />period, coverage is automatic and the premium is charged at <br />the end of the policy period. <br />