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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
August 2020 | Article | Uploaded in:
When a building project is planned, members must determine how to properly insure the project from losses due to fire, theft, windstorm and other perils that could cause a major loss. This article addresses some of the most frequently asked questions relating to this issue and builder’s risk coverage.
August 2020 | Article | Uploaded in:
Volunteer drivers often use their personal vehicles to provide services for MCIT members, such as providing rides for seniors. One common concern is whether auto liability coverage is excluded under the volunteers’ personal auto policies.
July 2020 | Article | Uploaded in:
Counties must follow a legally prescribed process to collect the unpaid taxes—a process that may take many years. It is important for members to understand how coverage may apply during the tax-forfeiture process and for tax-forfeited property.
July 2020 | Article | Uploaded in:
Frequently asked questions about bonds, specifically fidelity bonding requirements for Minnesota public officials, are answered. Includes information about MCIT's employee dishonesty and faithful performance of duty bond.
July 2020 | Article | Uploaded in:
County recorders have expressed concern over the personal liability to which they may be subject by virtue of the surety bond that a licensed abstracter is required to obtain. To be licensed, an abstracter must be insured. However, abstracter liability policies are no longer available. Instead licensed abstracters must purchase a surety bond. This article addresses issues of abstracter licensing and surety bonding.
July 2020 | Article | Uploaded in:
It is important for members to understand the exposures that accompany the use of volunteers for their organizations, how MCIT coverage may apply and how best to manage the risks unique to volunteers.
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.