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Coverage Summary
Disclaimer: This document is a summary of the IRMA
Coverages and is intended for informational purposes only. It is not a
complete statement of the IRMA Coverage documents and does not amend,
extend or alter the coverages provided to the Member. This document is
subject to all terms and conditions of the IRMA Bylaws and Coverage
Document, and any applicable contract(s) of commercial insurance. In the
event of a discrepancy between this document and the IRMA Coverage
Documents or any applicable contract(s) of commercial insurance, the
terms and provisions of the IRMA Coverage Documents and any applicable
contract(s) of commercial insurance shall govern.
| Type of Loss |
Coverage Document |
| Bodily Injury |
|
| Bodily injury to 3rd party |
General Liability Coverage
($10,000,000 per occurrence) |
| Bodily injury to Member employees |
Workers’ Compensation and
Employers’ Liability Insurance Policy |
| Bodily injury to 3rd party
resulting from the ownership, maintenance or use of a Member
auto |
Auto Liability Coverage |
| Bodily injury to 3rd parties
arising out of riot, civil commotion or mob action or any act or
omission in connection with the prevention or suppression of a
riot, civil commotion or mob action. |
General Liability Coverage
(Limited to $2,000,000 per occurrence) |
| Property Damage |
|
| Property damage to 3rd party
(except resulting from use of Member auto) |
General Liability Coverage |
Property damage to Member property
- Real property owned by Member (except land and water on
land)
- Personal property owned by Member or Member employees
(except employee vehicles)
- Personal property of others in custody of Member
- Member autos
- Member Valuable Papers and Records
- Fine Arts
- Police Dogs
|
First Party Property Coverage
($250,000,000 per occurrence) (subject to all sub-limits contained in the coverage
document) |
| Property damage to 3rd party
resulting from the ownership, maintenance or use of a Member
auto |
Auto Liability Coverage
($10,000,000 per accident) |
| Property damage to 3rd parties
arising out of riot, civil commotion or mob action or any act or
omission in connection with the prevention or suppression of a
riot, civil commotion or mob action |
General Liability Coverage
(Limited to $2,000,000 per occurrence) |
| Loss or damage resulting from
interruption of Member business due to physical loss or damage
to property insured by IRMA |
First Party Property Coverage |
| Physical loss or damage resulting
from earthquake, volcanic eruption, landslide or mine subsidence
or floods |
First Party Property Coverage
(subject to limits specified in coverage document) |
| Expenses incurred while restoring
physical loss or damage to Member property |
First Party Property Coverage |
| Fair rental value or reasonable
rental income from property physically damaged |
First Party Property Coverage |
| Physical loss or damage to Member
property and actual loss sustained by Member from interruption
of electricity, gas, steam, water, refrigeration telephone or
sewer by accident |
First Party Property Coverage
(subject to limits of liability specified in coverage document)
24 hour waiting period
$2,500 deductible |
| Shortage of collection of accounts
receivable due to physical loss or damage |
First Party Property Coverage |
| Loss of sales tax revenue due to
suspension of third party business because of physical loss or damage
to property |
First Party Property Coverage
(Limit of $5,000,000 per occurrence)
15 day waiting period |
| Loss of Hotel Tax Revenue due to
physical loss or damage to the third party property. |
First Party Property Coverage
(Limit of $1,000,000 per occurrence) |
| Loss, cost or expense to a third
party arising out
of or related to any "NBCR Terrorist Activity" (Nuclear,
Biological, Chemical, Radioactive Materials) |
General Liability Coverage
Limited to Retention |
| Loss, cost or expense to a third
party related to
mold/fungus |
General Liability Coverage
(Limited to $1,000,000 per occurrence) |
| Accident to boiler or machinery
that results in physical damages that requires repair or
replacement. |
Boiler & Machinery Coverage |
| Wrongful Acts |
|
Personal Injury i.e. harm or
injury, other than bodily injury arising out of:
- false arrest, detention or imprisonment;
- malicious prosecution;
- wrongful eviction from, wrongful entry into, or invasion
of the right of private occupancy of a room, dwelling or
premises;
|
General Liability Coverage |
| Injury or harm resulting from oral
or written publication of material that libels, slanders or
invades right of privacy |
General Liability Coverage |
| Law Enforcement Activities -
discrimination, civil rights violations, property rights
violations arising from law enforcement activities of sworn
municipal police officers |
General Liability Coverage |
| Abuse / Molestation – bodily
injury, property damage and personal injury arising out of the
actual or threatened abuse or molestation of anyone in care,
custody or control of Member |
General Liability Coverage
(Limited to $5,000,000) |
|
Actual or alleged violation of federal, state,
local civil rights or breach of duty (except relating to law
enforcement activities) Zoning and Land Use
Activities - $25,000 Member deductible applies. |
Public Officials Liability Coverage
($10,000,000 per wrongful act) |
|
Employment Related Coverage – bodily injury
emotional distress, mental anguish, damage to or destruction of
property, including diminution of value or loss of use as a
result of:
-
Refusal to employ;
-
Termination of employment; or, demotion,
evaluation, reassignment, discipline, defamation, harassment,
humiliation, discrimination or other employment related
practices or wrongful acts.
|
Public Officials Liability Coverage |
| Employee Benefits Liability –
injury or damage resulting from the administration of the
Member's Employee Benefits Programs |
General Liability Coverage |
| Employee Theft (inside or outside
the Member premises), Forgery or Alteration, Computer Fraud, counterfeit
and non-faithful performance |
Crime & Fidelity Coverage
- $5,000,000 limit - Dishonesty
- $2,500,000 limit - Non-Faithful Performance
|
Faithful Performance
of Duty Public Officials Bond (statutory)
- President/Mayor
- Clerk
- Treasurer
- Special Service District Trustees
|
Blanket Statutory Public Officials
Bond |
| Optional Coverages – available
to Members at additional cost |
|
| Accidental death, medical, and
disability benefits to volunteers injured while taking part in
the covered activities of Member |
Optional Volunteer Accident and
Disability Insurance Program |
| Bodily injury and property damage
resulting from the serving of alcoholic beverages at municipal
events |
Optional Special Events Liquor
Liability |
| Corrective actions, clean up, 3d
party bodily injury and property damage costs due to Underground
Storage Tank releases that are unexpected and unintended |
Optional Underground Storage Tank
Coverage |
| Exposure to Member, pension plans
and the individual fiduciaries resulting from an employee
questioning the decisions made in regard to these plans. |
Optional Fiduciary Liability
Coverage |
| Claims resulting from non-Member
use of Member facilities |
Optional Tenant/Users and Member
Special Events Coverage |
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Exclusions Applicable to all Coverages:
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Punitive Damages
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Intentional Acts- damages or injuries expected or intended from
the acts of the Member, done by or at the direction of Member; acts that
are outside the scope of employment or authority of the Member or
employee
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Dishonest, criminal or fraudulent acts; gaining profit or
advantage to which Member is not entitled.
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Pollution (except for herbicide or pesticide application or
chlorine release related to water and wastewater treatment)
Pollutants are defined as any solid, liquid, gaseous or thermal
irritant or contaminant, including smoke, vapor, soot, fumes, acids,
alkalis, asbestos, chemicals and waste. Waste includes materials to be
recycled, reconditioned or reclaimed.
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War
-
Contract Actions – actions grounded solely in contract, i.e.
breach of contract
-
Non-Monetary Claims – i.e., injunction, mandamus, declaratory
relief
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Condemnation, eminent domain, inverse condemnation by whatever
name called
-
Causes of action seeking front pay, back pay and retroactive salary increases or employment
benefits.
Defense Provisions
The IRMA Coverage document provides that if there is no coverage for
a claim, there is no obligation for IRMA to provide the Member a
defense. However, in certain circumstances, IRMA will provide the Member
a defense in situations where they might not otherwise be entitled to a
defense.
Unified Defense – in cases where there is a mixture of covered claims
and non-covered claims (which normally would not be entitled to a
defense), IRMA will provide the Member a defense for all the claims at
IRMA expense.
Intent to Injure Defense - in cases where coverage is precluded by a
specific allegation of intent to injure or intentionally cause injury,
and where the Member denies these allegations, IRMA will initially
provide a defense by IRMA counsel at IRMA’s cost. However, if the
specific allegation of intent to injure which precludes coverage is
proven to be true by evidence or settlement, IRMA will require that the
Member reimburse IRMA for any expenses, fees or defense costs incurred
prior to that judgment, settlement or final adjudication.
The member may choose to retain its own separate counsel with respect
to the allegations of intentional conduct or intent to injure; however,
it does so at its own expense without reimbursement by IRMA
Revised 11/1/07
Revised 3/2/10.
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