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Local Government Liability Pool

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Any item that would be covered by property insurance, etc. ... This is the cheapest liability coverage a conservation district can have. ... – PowerPoint PPT presentation

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Title: Local Government Liability Pool


1
Local Government Liability Pool
2
Background
  • W.S. 1-42-101 - enabled the state to create a
    state administered self insurance account that
    will offer reasonably priced liability coverage
    and loss prevention programs to local government
    entities.
  • Coverage, through this account, will respond to
    claims brought against local governments under
    the WY Governmental Claims Act and arising under
    federal law or laws of other jurisdictions.

3
Coverage Description
Limits
  • LGLP will provide each participant with a
    250,000 per person/500,000 per occurrence
    coverage limit for claims brought under the
    Wyoming Governmental Claims Act, and a 500,000
    per occurrence coverage limit for covered claims
    brought under federal law and the laws of other
    jurisdictions. LGSIP coverage will be on an
    occurrence basis. Defense costs will be paid in
    addition to the limit of liability coverage.

4
  • Wyoming Governmental Claims Act would apply to
    TORT actions - negligence in property
    maintenance, etc.
  • Federal Laws would apply to Civil Rights
    Violations
  • wrongful termination of employee
  • Sex discrimination
  • rules or ordinances which violate an individuals
    civil rights

5
Deductibles
  • Options, which apply per occurrence are 500,
    1000, 2500, 5000 deductibles.
  • Entities may have their choice of deductibles,
    with higher deductibles resulting in lower
    coverage cost.

6
What and Who is Covered?
  • General liability (including personal injury,
    civil rights, fiduciary liability, water craft
    liability, among others.
  • Automobile liability
  • Public officials errors and omissions liability
  • Board of Supervisors and district employees are
    covered
  • Exclusions usual to those of commercial insurance
    will apply.

7
Whats Not Covered
LGLP does not provide coverage for the following
  • Workers compensation employer's liability
    (negligence of employee)
  • Real personal property owned by covered
    entities or property of others required to be
    insured under contract.

8
  • Automobile physical damage (comprehensive
    collision) medical payments uninsured
    motorist coverage.
  • Pays for damage to others autos but not covered
    persons auto
  • Any type of property coverage.
  • Office equipment, buildings
  • Any item that would be covered by property
    insurance, etc.
  • LGLP covers and defends liability actions

9
Effective Date of Coverage
  • Membership runs from July 1 through June 30 of
    the following year. Coverage is not effective
    until enrollment forms and payment of the
    appropriate contribution is received by LGLP.

10
Cost of Program
  • Each entity will be rated on its own loss
    experience and operating budget
  • Minimum cost is 600.00 per year

11
Program Services
  • LGLP will provide liability coverages for claims
    which arise under the Governmental Claims Act and
    certain Federal statutes. In addition to these
    coverages, LGLP will provide services which
    traditionally have been provide by insurers, such
    as claim handling and loss prevention.

12
General Management
  • The states risk manager and the Self-Insurance
    Policy Board will be responsible for the
    management of LGLP. Day to day administrative
    duties (i.e. collection of contributions, issuing
    participation certificates, claim coordination)
    will be performed by the office of the risk
    manager.
  • Contact (307) 638-1911 or toll free
  • 1-888- 433-1911, is the Insurance Manager.

13
Enrollment Procedure
To apply for coverage from the pool complete The
following activities
  • Fill out the questionnaire and any applicable
    supplemental questionnaires.
  • Contact LGLP to obtain assistance in determining
    the contribution amount due and submit a check
    with the applications. Checks should be made
    payable to
  • Local Government Liability Pool
  • 2424 Pioneer Ave
  • Cheyenne, WY 82003

14
SUMMATION
  • This is the cheapest liability coverage a
    conservation district can have. If you dont
    have it - get it.
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