MIRMA provides its members with a single comprehensive multiple line insurance package. Individual lines of coverage can not be obtained through the association. The coverage package includes the following:

• Workers’ Compensation
• Property including Flood and Earthquake
• General Liability
• Inland Marine
• Crime and Employee Theft
• Public Officials Liability and Employment Practices Liability
• Paramedics, EMTs and First Responders Liability
• Law Enforcement Liability
• Airport Liability
• Automobile
• Boiler & Machinery

MIRMA provides an average of 5.3 on-site loss prevention visits per member each year.  We work with each member to develop a loss prevention program that is tailored to fit the specific risks and political environment within your community.  We also provide the following services at no additional costs to our members:

• Risk Management Awards Program – provides members an opportunity to receive a grant for up to 75% of the cost of items that will reduce their work comp or liability exposures
• On-site safety training
• On-site simulated situational shooting training for police
• Special seminars and workshops
• Manuals and newsletters
• Model policies on critical police tasks
• Web-based legal training for police
• Aquatic audit reimbursement
• Police department certification and accreditation reimbursement
• Safety video library
• Annual risk management conference

1. Limits & Deductibles

   

   Hannibal Water Plant

   1. ALL RISK PROPERTY
      1. Buildings, contents, computer hardware and software
         1. 100% Replacement cost up to $100,000,000 per occurrence
         2. $1,000 Deductible ($2,500 on Vacant Buildings)
      2. Contractors equipment, including rental
         1. Actual Cash Value up to $100,000,000 per occurrence
         2. $1,000 Deductible
      3. Automobile Physical Damage, including rental
         1. Actual Cash Value up to $100,000,000 per occurrence
         2. $1,000 Deductible on vehicles 3/4 Ton and smaller, $2,500 on vehicles larger than 3/4 Ton
      4. Boiler and Machinery, including mechanical breakdown and electrical disturbance
         1. 100% Replacement Cost up to $100,000,000 per occurrence
         2. Deductibles
            1. Business income and extra expenses – 72 hour waiting period
            2. Hazardous substance clean up – $50,000
            3. Gas turbines, wind turbines, steam turbines and internal combustion engines/generatorsgreater than 10KW: $1,000 or 10% of the cost to repair or replace, whichever is greater, with a maximum of $250,000.
            4. Electrical transformers under 10,000 KVA – $5,000
            5. Electrical transformers 10,000 – 29,000 KVA – $25,000
            6. Electrical transformers 30,000 KVA and greater – $50,000
            7. Off Premises Service Interruption: 72 hour waiting period
   2. LIABILITY
      1. General Liability
         1. $2,500,000 per occurrence*
         2. $5,000,000 annual aggregate
         3. No deductible
      2. Public Officials Liability
         1. $2,500,000 per occurrence*
         2. $5,000,000 annual aggregate
         3. No deductible
      3. Police Professional Liability
         1. $2,500,000 per occurrence*
         2. $5,000,000 annual aggregate
         3. No deductible
      4. Automobile Liability
         1. $2,500,000 per occurrence*
         2. $5,000,000 annual aggregate
         3. No deductible
      5. Non Owned Automobile Liability
         1. $2,500,000 per occurrence*
         2. $5,000,000 annual aggregate
         3. No deductible
      6. Employment Practices Liability
         1. $1,000,000 per occurrence
         2. $1,000,000 annual aggregate
         3. $5,000 Deductible

      7. 

         Chillicothe Fire Department

         Incidental Medical Malpractice Liability forParamedics,EMTs and First Responders

         1. $2,500,000 per occurrence*
         2. $5,000,000 annual aggregate
         3. No deductible
      8. Airport Liability
         1. $2,000,000 per occurrence
         2. $2,000,000 annual aggregate
         3. No deductible
      9. Uninsured on Underinsured Motorist
         1. $25,000 per person, $50,000 per occurrence
         2. No aggregate
         3. No deductible

   * Liability claims that are subject to the sovereign immunity limits for Missouri public entities shall have the per occurrence coverage limit and per person coverage limit equal to the maximum of the limits published annually in the Missouri Register per Section 537.610 RSMo.

   3. WORKERS COMPENSATION
      1. Statutory Benefits
         1. No aggregate
         2. No deductible
      2. Employers Liability
         1. $2,000,000 per occurrence
         2. No aggregate
         3. No deductible
   4. CRIME
      1. Employee Theft
         1. $100,000 per occurrence
         2. No aggregate
         3. No deductible
      2. Money and Securities
         1. $100,000 per occurrence
         2. No aggregate
         3. No deductible
2. EXCESS INSURANCE PURCHASED

MIRMA purchases reinsurance or excess insurance for all lines of coverage provided, with the exception of Crime and Employment Practices Liability. This is done so no single catastrophic loss can damage the financial integrity of MIRMA.

3. CLAIMS ADMINISTRATION

MIRMA has a contract with Corporate Claims Management, Inc. (CCMI) for claims administration services for all coverages other than workers’ compensation and employment practices liability. CCMI provides MIRMA with a unit of adjusters that handle MIRMA claims in accordance with MIRMA standards and procedures. CCMI’s office is located in the St. Louis area.

Workers’ compensation claims are managed by MIRMA staff, utilizing CCMI’s claims administration system.

MIRMA has a contract with Professional Claims Managers, Inc. for claims administration services for employment practices liability.

As Airport Liability coverage is provided by a group purchase policy, the carrier, Old Republic Insurance Company, administers airport liability claims directly.

MIRMA’s philosophy in administering claims is to accurately assess the liability for and the value of all claims. We vigorously defend those claims for which there is no liability and look to expeditiously and fairly settle those claims for which liability exists. MIRMA does not settle claims based solely on the most economical option available.

While MIRMA reserves the right to handle, defend or settle all claims, MIRMA welcomes the city’s input on all claims. Because personnel items can be very sensitive, MIRMA will get the approval of the involved city before settling any employment practices liability claim.