Liability Coverage

General Coverage Summary

The Coverage Summary guide provides a quick reference for understanding the terms, conditions, limits, definitions and exclusions that govern the all the various lines of MCIT coverage, including:

• Property, including equipment breakdown, inland marine, valuable papers and records, and money and securities
• Drone endorsement
• Liability, including bodily injury and property damage, personal and advertising injury, medical payments, public employees liability, land use defense endorsement, and employee benefits liability
• Automobile, including liability, physical damage and garagekeepers comprehensive
• Cyber
• Employee dishonesty and faithful performance of duty bond
• Workers’ compensation

Coverage Summary for Agricultural Societies (County Fairs)

This coverage summary highlights the coverage issues most pertinent to operations for agricultural societies or fair boards:

• Property  such as fencing, ticket booths, bleachers
• Liability, particularly exclusions for certain activities, such as amusement rides, alcohol sales, spread of communicable disease
• Garagekeepers comprehensive coverage
• Cyber coverage, such as payment card industry data security standards noncompliance and misdirected payment fraud
• Drone endorsement

Members can contact their assigned risk management consultant to discuss coverage questions or concerns.