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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.
56 Articles found | Coverage
April 2020 | Article | Uploaded in:
What does “actual cash value” really mean? It means that at the time of the loss, payment is based on the depreciated value or current market value of the scheduled item. In other words, the member replaces what it had with what it had, not a brand new version of it.
April 2020 | Article | Uploaded in:
When an organization shares a vehicle or equipment with another entity or borrows an auto or equipment from another party, it is important that the each party understands who is responsible for the vehicle or equipment and how coverage applies for shared and borrowed autos and equipment.
April 2020 | Article | Uploaded in:
Vehicle use presents some of the greatest risks faced by MCIT members and their employees. This article discusses basic coverage issues as it relates to personal vehicles used for business purposes.
April 2020 | Article | Uploaded in:
How coverage will apply to a loss when it involves an employee’s use of member-owned property or equipment for personal reasons.
April 2020 | Article | Uploaded in:
MCIT coverage applies to property and equipment owned by the member when it is included on the property or inland marine schedule. What is less well understood is how MCIT coverage applies to property owned by others while on a member’s premises.
April 2020 | Article | Uploaded in:
MCIT's inland marine coverage includes a line for miscellaneous personal property that covers physical damage as a result of a covered loss for scheduled portable items not appropriately covered under contents, contractor's equipment or electronic data processing equipment.
April 2020 | Article | Uploaded in:
Medical payments coverage is intended to provide an injured party an alternative to costly and time-consuming litigation by relieving them of expenses not covered by their health insurance as MCIT’s coverage is primary. This coverage is typically used to reimburse the injured party for out-of-pocket expenses, such as lost wages, deductibles and co-pays. MCIT makes these payments regardless of fault.
April 2020 | Article | Uploaded in:
Over the past several years, MCIT members have had numerous losses due to frozen, cracked sprinkler piping, valves, fittings and sprinkler heads, some causing hundreds of thousands of dollars in damage. Measures to prevent water and other types of damage are presented.
April 2020 | Article | Uploaded in:
As part of the MCIT property coverage, members can have Hartford Steam Boiler conduct inspections of boilers and pressure vessels as required by the Minnesota Department of Labor and Industry. Typically boilers are inspected each year while pressure vessels, such as air tanks, are examined every other year.
April 2020 | Article | Uploaded in:
Driving motorcycles for business purposes creates an increased risk in liability for the employer. Article explains these risks and how MCIT coverage may apply, as well as provides risk management advice.