Services Help Members Manage Property and Liability Risks
MCIT offers members access to a variety of services that are provided with membership. Each of these is designed to help members better manage risks within their organizations. When a claim is averted or mitigated, members reap the benefits. Fewer or less severe claims can translate into lower rates, more services, enhanced coverage and dividends.
- Risk management consultation
- Loss control consultation
- Boiler inspections
- Fire Protection Assessments
- Specialized coverage placement
- Employee Assistance Program
Risk Management Consultation
Each member has an assigned consultant who can assist with coverage, liability and risk management concerns. They review contracts and joint powers agreements, providing a risk management perspective. They assist members in identifying potential risks and offer advice about how members could manage them.
Loss Control Consultation
Each member has an assigned MCIT loss control consultant who helps members with safety issues, such as written safety programs, hazard identification, ergonomic assessments, OSHA standards interpretation and employee injury data analysis. Loss control consultants also can participate in member safety committee meetings, conduct employee safety training and provide written loss prevention educational resources.
MCIT has partnered with Hartford Steam Boiler (HSB) to provide equipment breakdown coverage (a.k.a. boiler and machinery coverage). Pursuant to this arrangement, HSB performs on-site equipment loss prevention activities and inspections required by law on boilers and pressure vessels. Such inspections are required for the renewal of the registration certificate with the State of Minnesota Department of Labor and Industry’s Code Division.
HSB details the common causes of equipment breakdowns and how that affects the bottom line in its brochure Common Equipment Failures and Causes.
For further information, contact MCIT risk control manager.
Fire Protection Assessments
MCIT partners with Travelers Indemnity Company to provide property reinsurance to protect MCIT from being the sole payer in the event of a catastrophic loss. This relationship includes some high-level property protection review services for members, most notably in the area of fire protection.
Two Phases for Aiding in Assessment of Current Fire Protection Equipment
- Testing the water supply
- Testing the water distribution system
Review of Fire Suppression Equipment on New Construction or Renovation Projects
- Members can provide Travelers with construction fire suppression goals, and Travelers then gives specifications for designs that fit those goals.
- Members send sprinkler or fire suppression plans to Travelers for review before construction begins. Travelers can then provide a second opinion, pointing out any potential problems with the plans prior to construction.
Travelers provides on- and off-site training that covers how to maintain and inspect sprinkler systems.
Members should contact their MCIT loss control consultant for more information about Travelers’ services or to schedule fire inspections or trainings.
Specialized Coverage Placement
The unique operations of MCIT members occasionally present the need for specialized coverage that is not provided under the MCIT Coverage Document. The MCIT service team can assist members in securing coverage for these unique exposures, such as:
- Builder’s risk
- Liquor liability
- Volunteer accident
For more information about these coverages, contact MCIT program coordinator.
Employee Assistance Program
The Employee Assistance Program (EAP) is a risk management tool designed to provide member employees and their dependents access to qualified counselors to assist in resolving personal issues that may affect workplace performance. This short-term counseling service is provided at no cost to member employees, elected officials and their dependents; is voluntary; and is confidential. Learn more about the EAP.