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.. , . , . REPRESENTING AoRTHWESTERN .. NATIONAL INSURANCE CO. WM. H. HITE AGENCY INSURANCE AND BONDS 1595 Selby Avenue St. Paul 4, Minn. Telephone Mldwoy S.3927 Village of Arden Dills Page Three Our policy excludes any Bodily Injury claims by volunteer fiu'men wf'rking for a village f'wned fire department or any other department. nis would inClude the Lake Jf'hanna Department and Mr. Ehlers informs me that he has adequate Workmen's Compensation coverage, Firemen's Association coverage, as well as ^ccident and Sickness protection which would cover medical bills and loss of income to voluntary members of his department. Whether the contract hetween Lake Johanna's Fire Department and the village impf'ses any Contractural Liability upon the Village of Arden Hills could be rletermined by reviewing the contract. Accorrling to Mr. Ehlers, it is his intention to assume liabil ity for the complete operat ion of his department. wnRKIHf'N'S COMPENS."T!rN INSUl],~NCE The pf'licy now written to cover employees of the village prf'vides statutf'ry coverage and benefits for policemen, clerical office. civiJ defense, street cleaning, and any other municipal employees. The Workmen's Compensation Act provides no coverage for elected officials, and there is no provision ff'r providing coverage for them at this time. !kcordingly, no charge was made in the final audit of the Workmen's Compensatif'n Policy for the year 1962 to 1963. The Employers Liability section of this policy provides ~25,OOO of coverage in the event an employee wishes to tf' refuse the statutory hen",fi ts of the Wf'rkmen' s Compen- sation Act and file a Claim for his injllries through common law procedures. In view of the new limits of Liability imrosed "pon' pf'litical sub-divisions as pre- vif'l1s1y f"entionerl, I would suggest that this 1 imits of Liahi'ity be increased to Slnn.oon. The additional premium is a flat charge of ~20.00 per year.