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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.
55 Articles found | Coverage
February 2017 | Article | Uploaded in:
Drones, or unmanned aircraft systems (UAS), have the ability to aid government entities in many ways: mapping, surveillance, and search and rescue, to identify a few. However as with any new technology, there are risks of using drones for conducting government business. Members should take steps to manage those risks.
July 2016 | PDF | Uploaded in:
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May 2016 | Article | Uploaded in:
Many soil and water conservation districts have chosen to purchase specialized equipment and rent it to the public. Although equipment rental programs have many advantages, they also present several risks for SWCDs that must be considered when implementing such a program.
March 2016 | 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 2016 | PDF | Uploaded in:
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January 2016 | Article | Uploaded in:
Members should understand the statutory authority for incidental personal use of vehicles owned by members and how MCIT coverage responds to injuries to the employee, other passengers and physical damage to the vehicle and other vehicles involved in an accident.
December 2015 | Article | Uploaded in:
Prompt reporting leads to a quicker resolution of the claim, thus making the member whole by restoring it to its pre-loss condition. However, self-interest is just one of many reasons a claim should be reported promptly. The member benefits in several ways from prompt claim reporting, but may suffer negative consequences if claim reporting is delayed.
December 2015 | Article | Uploaded in:
Frequently asked questions about how MCIT coverage applies to sentence to service work crews when crews work on member projects.
December 2015 | Article | Uploaded in:
Unique to setting the cost of workers' compensation coverage is the employer’s experience modification factor, or mod factor. The mod factor takes into consideration the amount of payroll in each of the member’s class codes and the member’s claims experience. The higher the mod factor, the more a member pays for workers’ compensation coverage.
December 2015 | 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.