2013-12-11 CC Packet - Laserfiche WebLink

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compensable injury under workers' compensation. The special coverage part added in 2010 is therefore eliminated since it's no longer needed. Property Coverage Computer equipment, electronic data, and electronic media The LMCIT property coverage for many years has included a $1 million per occurrence sublimit for computer equipment, data, and media. The scope of that sublimit has been narrowed to only apply to the cost to reproduce or restore intangible electronic data. This is a broadening of coverage in a sense, as the sublimit no longer applies to tangible computer hardware. Wastewater lagoons The coverage wording has been amended to clarify that all types of lagoon liners, lagoon rip -rap, and soil embankments necessary for the operation of a wastewater lagoon are considered covered property. Geothermal systems The property coverage form generally excludes coverage for underground pipes. Coverage has been revised to state that underground pipes that are part of geothermal heating and cooling systems are not subject to that exclusion. Liability Coverage Failure to supply claim — telecommunications or electronic data transmission A $2 million annual aggregate limit applies to liability claims for the failure to supply water, electricity, gas, or steam service. For the coming year, this limit will also apply to claims for damages arising out of the failure to supply phone and internet or other electronic data transmission services. Automatic additional covered party status for certain lessors of leased premises and equipment Coverage has been broadened to automatically provide additional covered party status, on a limited basis, for organizations from which the city leases premises or equipment. This "additional insured" status will only be granted if the city is contractually obligated to have the lessor named as an additional insured. Coverage will only apply to bodily injury, property damage, or personal injury for claims that are made by the lessor due to the city's acts during the terms of the lease agreement. Pollution liability exclusion and Coverage D Coverage D, also known as the Land Use and Special Risk Litigation Coverage, is not intended to provide broad coverage for pollution risks. Coverage wording has been amended to better reflect this intent. Airport liability coverage The existing airport liability coverage endorsement excludes coverage for damages arising out of any aircraft contest that has racing, stunting, aerobatics or similar activities that are sponsored or participated in by the city. The coverage change makes it explicit that this exclusion applies to aircraft exhibitions and skydiving activities sponsored or participated in by the city. The definition of "aircraft" in the liability coverage document has been tightened -up as well. Joint planning boards LMCIT's liability coverage does not require separate coverage for several types of joint planning boards and joint airport zoning boards. Another type of board, created under Minnesota Statue 462.3585 (these are boards that are created to exercise planning and land use authority in an unincorporated area that is within two miles of the corporate city limits), has been added to LMCIT's list of covered joint planning boards that do not need separate coverage. Auto and liability declarations The auto and liability declarations have been revised to note how the per occurrence limit works with respect to Coverage A (municipal liability) and Coverage C (auto liability). The maximum coverage limit is $1.5 million for both of these coverages, whether the claim or claims fall under Coverage A, Coverage C, or both. 51 Page