or 
在浏览器顶部URL栏右侧的行
鼓励会员在降低明尼苏达城市保险信托联盟(LMCIT)保费成本之前审查以下考虑因素.
责任保险
考虑放弃医疗保险.
LMCIT责任保险B项, 或者“医疗支付”保险, 提供有限的金额($2),每人500美元，外加10美元,为在城市财产上因财产状况受伤的人提供无过失医疗保险.
只有在城市对伤害不负有法律责任的情况下(如果城市对伤害负有法律责任)，医疗支付范围才会发挥作用, 它将被作为责任索赔。). 在很多情况下, 医疗支付保险支付本应由个人自己的健康保险支付的费用. Dropping the medical payments coverage can reduce the liability premium by about a percentage point.
考虑不要放弃法定的侵权责任限制.
LMCIT给予该市放弃法定责任限制的选择权. 责任保险 is more expensive if the city waives the limits; the cost difference is 3.选择豁免的会员须支付5%的责任保费. Waiving the limits does not give the city better protection; the benefit is only to the party who is making a liability claim against the city.
不要购买不必要的“专业”责任险.
城市有时会从私人保险公司购买特殊保单，以应对已经被城市城市和城市信息技术责任险覆盖的风险. 如果你所在的城市购买了以下任何一项单独的保单, 你应该仔细考虑是否还有必要这样做:
- 警察的责任
- 消防员职业责任
- 救护车专业责任
- 公职人员责任
- 雇佣惯例责任
- 雇员福利责任
- 救济协会的信托责任
- 消防协会债券
- 网络或数据安全漏洞责任
考虑放弃可选的无故障下水道备份覆盖.
LMCIT’s optional no-fault sewer backup coverage reimburses homeowners for damages caused by a sewer backup, 不管市澳门网络娱乐游戏平台是否有过失，是否负有法律责任. 虽然许多城市认为这对市民有利, 在预算紧张的时候，可以考虑取消它. 这种保险的费用因成员而异，因为它是基于下水道连接的数量和所选择的限制, 除此之外, 但保费从低至100美元到高至20美元不等,000或更多.
考虑修改服务契约.
根据LMCIT的负债评级制度, 如果服务合同的安排方式能够充分减少城市的责任风险，那么城市可以在两个领域潜在地减少责任溢价. Service contracts can be sent to LMCIT Risk Management Attorney Chris Smith at csmith@dektinary.com 审查.
执法合同
If a city is contracting for law enforcement services with a county or some other entity, LMCIT will make a charge for the police liability exposure (based on number of officers), 除非执法合同充分地将风险从接受服务的城市转移. 如果提供服务的实体同意为根据执法协议执行的服务产生的索赔进行辩护和赔偿接受服务的城市, LMCIT will forego the police liability premium charge for the city receiving the service.
其他服务合同
Another component of the liability rating system is based on a city’s annual expenditures. 对于某些类型的服务合同，可以充分地将风险从接受服务的城市转移出去, LMCIT can forego including the expenditures associated with that contract from the rating basis. The base rate for liability premium associated with annual expenditures is about $1 for every $1,每年的开支为1万英镑. 一份200万美元左右的大合同, 例如, 如果将其提交给LMCIT并以适当减少城市责任风险的方式构建，可能会为城市节省几千美元的责任保险费. 财产保险
不要覆盖租来的建筑物.
当一个城市把一个城市拥有的建筑租给一个私人派对, 租赁协议可能要求承租人为建筑物投保. 在某些情况下，城市也会将建筑物安排在城市财产保险范围内，以便在租户保险出现问题时保护城市. 如果你租了一栋楼，租客给它投保, and if you have assurance the tenant has the needed insurance and it protects the city’s interest, 你可以把那栋楼从城市的覆盖范围里去掉. 当然, you’d have to ensure it is added back if the lease were terminated or the tenant lost coverage.
报告空置楼宇.
If a building is vacant, it’s covered only for actual market value, not replacement cost. The premium for a vacant building is also based on market value rather than replacement cost, 但较高的利率反映了较高的风险. 视情况而定, the actual premium for a building could increase or decrease when that building becomes vacant. 当一栋有盖的建筑在中期空置时, LMCIT will give the city the premium credit right away if there’s a premium decrease. If there’s an increase, LMCIT will waive the increase until the city’s next renewal. 还记得, 当建筑物空置时, 即使市澳门网络娱乐游戏平台没有向LMCIT报告该建筑已空置，覆盖范围也会自动从重置成本切换到市场价值.
使用NFIP洪水保险的高免赔额.
与其他类型的财产保险相比, 国家洪水保险计划(NFIP)的洪水保险是昂贵的. 在某些情况下, 作为联邦紧急事务管理局(FEMA)过去提供灾害援助的一个条件，各城市必须为某些建筑物购买NFIP保险. NFIP提供可选择的免赔额，这可以显著降低保费. 如果发生水灾, the city can use LMCIT’s extraordinary expense coverage to finance its cost under the deductible.
审查发电设施的重置成本值.
LMCIT offers an agreed-upon amount of replacement cost coverage for generation facilities. 短暂的, 保险限额和保费是根据提供电力公司所需的发电能力的成本来确定的, rather than on the cost of replicating the actual facility the utility currently has. 在公用事业公司现有设施的容量远远大于所需容量的情况下，这可能是有意义的, 或者在一种情况下，一种不同的、更新的技术可以提供相同的发电能力，而成本低于复制现有设施的旧技术.
汽车保险
修改汽车物理损害保险.
LMCIT自动为所有城市车辆提供汽车物理损坏保险，除非城市特别选择不覆盖特定车辆. 如果你有一些老的, relatively low-value vehicles that are not critical to the city’s operations, consider removing auto physical damage coverage or removing auto physical damage enhancement coverage.
另一种降低保费的方法是确保这些价值是那些没有汽车物理伤害增强保险的汽车的实际现金价值.
Drop primary auto liability coverage on private vehicles used on city business.
当城市雇员在城市业务中使用他们的车辆时，城市可以选择将LMCIT汽车责任保险作为主要保险, 每人10美元. 如果市澳门网络娱乐游戏平台放弃这个可选的保险, 当员工在城市业务中使用他们的车辆时，仍然有相同的总汽车责任保险限额. The difference is that the employee’s personal auto liability would respond first, LMCIT汽车责任保险将作为超额适用.
债券保险
LMCIT的债券覆盖率, 哪一个是额外的费用保险选项, is designed to meet the city’s needs for bond coverage on public officials. 如果你所在的城市有LMCIT的债券担保, 它也不需要购买单独的债券来满足城市办事员和财务主管的法定要求, 救济协会司库, 等等.......
LMCIT的债券覆盖范围也可用于满足经济发展机构或港务局财务主管债券的要求. It also covers the gambling manager for relief associations that are operating charitable gambling.
所有的保险
保留更多风险.
Some cities still have property/casualty deductibles as low as $250 or $500. For most cities, a deductible of $1,000, $2,500, $5,000, or more will make more sense economically.
Cities should consider the medical deductible options on workers’ compensation as well. 虽然显然没有保证, 随着时间的推移，节省下来的保费通常应该足以支付城市保留的额外风险. 当然, 该市需要确保储备资金可用于支付年度内合理数量的免赔额.
适合大中型城市, an aggregate deductible approach often makes a lot of sense for the property/casualty coverage. 在这种方法下, 该市保留了大量的免赔额, but the city’s maximum cost per year is capped at a specific dollar amount.
例如, 这个城市负责第一个10美元,每损失000英镑, 但最多不超过20美元,000美元. 一个小得多的“维护”免赔额适用于随后的索赔. This gives the city a way to reduce premiums significantly by retaining a substantial amount of risk, but the maximum amount of risk the city retains is a known amount that can be planned for and budgeted.
The “retro-rating” option offers a similar alternative on workers’ compensation, 标准保费为25美元的城市,000或更多.
减少覆盖范围.
降低保费的一个显而易见的想法是降低保险限额, 这意味着，如果没有更高的保险限额，纽约市将承受巨大损失的风险. 然而, 巨额损失可能而且确实会发生, LMCIT敦促各城市在采取这一步骤之前仔细考虑，并首先考虑讨论中概述的其他一些建议.
超额责任保险
LMCIT提供了承担比每次事故200万美元的基本限额更高的责任保险限额的选择. 超额责任保险 is available in $1 million increments up to a maximum of $5 million. 在降低覆盖率之前, 城市应该考虑这样一个事实，即法定侵权行为上限为500美元,每名索赔人000美元和1美元.(每次500万美元)不适用于几种类型的索赔. 这些包括:
- 根据联邦民权法提出的索赔.
- 市澳门网络娱乐游戏平台根据合同承担的侵权责任的索赔.
- 在另一个州的诉讼请求.
- 以酒类销售为基础的索赔.
- 基于“索取”理论的索赔.
债券保险
LMCIT为城市提供债券保险，作为额外的成本保险选择. It is designed to make available all the bond coverage and limits that cities and city officials need. The minimum bond limit is $50,000, and limits up to $3 million are available.
Most cities obtain their bond coverage through LMCIT, but there are some who purchase it elsewhere. Carrying lower bond limits is something to consider when thinking about reducing premium costs, 但也有一些城市的债券限额非常低，基本上不能提供任何财务保护. When losses from employee dishonesty occur, the cost can be very substantial.
考虑减少你的酒责任保险.
LMCIT责任保险包含了酒类责任的排除, 但可选择的保险范围可以在单独的, 独立的契约. 该保险适用于市政酒类商店的折扣, 市售酒商店, and special event liquor or beer sales by an organization that is an instrumentality of a member city, 包括那些不经营酒类商店的城市.
There’s no easy rule for deciding how much coverage is adequate for a municipal liquor store. 不管覆盖范围有多大，市澳门网络娱乐游戏平台都会购买, 我们可以想象一种情况，在这种情况下，这是不够的. 最终，市议会需要运用自己的判断来决定覆盖多少范围并为之付费. LMCIT recommends that any city with a municipal liquor store carry limits of at least $500,000, 但城市应该强烈考虑提高100万美元或更多的限额.
避免损失.
Avoiding losses is one of the most important areas to focus on in terms of premium savings, 原因如下:
- Premiums for municipal liability, auto, and workers’ compensation are all experience-rated.
- 为了避免损失，可以避免免赔的账单.
- 股息公式对亏损敏感, so avoiding losses of all types benefits all Minnesota cities when dividends are distributed.
额外的澳门网络娱乐游戏平台
从这些额外澳门网络娱乐游戏平台中了解更多关于LMCIT覆盖的信息:
