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Browse through a collection of more than 100 articles and model forms in the MCIT Resource Library. Use the search tools to the left to narrow in on the appropriate resource.
52 Articles found | Coverage
June 2021 | Article | Uploaded in:
MCIT provides coverage for the authorized activities of law enforcement personnel when faced with situations where they must act in their official capacity as law enforcement officers. Whether coverage applies when officers are working another job outside of their full-time jobs ( “moonlighting”) depends on the activities that created the basis for the claim.
June 2021 | Article | Uploaded in:
Although financial reimbursement can help alleviate some of the costs resulting from severe property damage, many of the expenses are more difficult to identify. Lost time, disruption in services and employee stress often cannot be rectified with financial reimbursement. As a result, it is important to follow best practices to prevent or mitigate property losses. It is important for staff to check how the organization is doing with the following key items.
May 2021 | Article | Uploaded in:
Examines MCIT flood coverage endorsement, its limits and coverage application. Also address National Flood Insurance Program and risk management advice for mitigating flood damage.
May 2021 | Article | Uploaded in:
Valuable papers and records need to be protected. This article discusses what valuable papers and records are, MCIT coverage for valuable papers and records, coverage limits and how members can protect these documents.
May 2021 | Article | Uploaded in:
Insurance comes in two forms—occurrence and claims made. The form of a contractor's insurance can have a significant impact on how, or even if, a contractor’s coverage will apply when a loss occurs. This often confusing aspect of insurance coverage sparks frequent questions from members, which MCIT answers here.
April 2021 | Article | Uploaded in:
No two historical societies have identical pieces of history to preserve, and each must decide the best way to cover property to meet their specific needs. MCIT encourages members to discuss coverage options with their MCIT risk management consultant as some of their particular circumstances may not be addressed in this general discussion.
March 2021 | Article | Uploaded in:
There are a host of items to check off in preparation for a public building project. One is ensuring that contractors provide valid bonds for construction projects.
March 2021 | Article | Uploaded in:
Because of the risks generally involved in hosting special events, such as rodeos, demolition derbies, amusement rides and racing, and the limited number of members that sponsor the events, MCIT typically does not cover the events. This article explains the coverage exclusions and provides risk management advice for such events.
March 2021 | Article | Uploaded in:
Most of MCIT property coverage is written on a replacement cost basis. This article explores how replacement cost coverage is applied to claim situations., the importance of accurate property values and up-to-date property schedules.
March 2021 | Article | Uploaded in:
Historically, employers have agreed to indemnify, defend and and hold an employee or official harmless for claims arising from acts performed while carrying out duties within the scope or at the direction of his or her employer. Indemnification ensures that the employee or official can act in good faith to perform his or her duties without the risk of being personally responsible for costs associated with defending his or her actions.