Assume for a minute a disaster strikes your community – a tornado – maybe a major ice storm – an industrial explosion – or a fire in a water/sewer facility. What is your next step to keep your municipal operations functional? Take a look at this heart wrenching video of Kentucky Mayors reliving the January 2009» Read Full Article

The Local Government Property Insurance Fund (LGPIF) has implemented a number of coverage changes to the property insurance coverage form. These changes include: Restrictions on Flood Coverage Restrictions on Surface Water Coverage Reduction in Ordinance and Law Coverage Addition of an Anti-Concurrent Causation Coverage Restriction In addition to these coverage restrictions, we have been seeing» Read Full Article

The LGPIF form now excludes loss from Flood, water below ground, back up of sewers and drains outside of the building. Coverage is now excluded: If you are in a flood zone as defined by FEMA, National Flood Insurance Program (NFIP) – Flood Insurance Rate Maps (FIRM) If water below ground exerts pressure on or» Read Full Article

The LGPIF now restricts surface water to $1,500,000. Previously, coverage was provided up to the total values on the policy. The number and severity of summer storms has been increasing. With this increase, the amount of rain water has also increased leading to the inundation / overflow of the current storm drain systems. This runoff» Read Full Article

If you have an older building that is not up to the current building codes and a covered cause of loss occurs, you may have to provide upgrades to your facility to comply with the current building codes. The building codes could require you to install a fire sprinkler and alarm system, update electrical and plumbing, install» Read Full Article

From the LGPIF notice: “Anti-concurrent causation language now applies to certain losses that are excluded in Section VI of the policy. The language applies to exclusions related to nuclear; fungus; virus; flood and surface water; war; and excluded water losses such as those that arise from water pressure below the surface of the ground. Anti-concurrent» Read Full Article

Our hearts are heavy with yet another active shooter event in Milwaukee at Azana Spa in Brookfield, WI. Our thoughts and prayers go out to the families of the victims, and our wishes for a speedy recovery for the survivors. Unfortunately, violent attacks are becoming more prevalent in our schools and workplaces.  Being able to protect» Read Full Article

R&R Insurance announces the date for the new Cyber Liability seminar, which will cover how a business can protect itself against cyber crime, will be Wednesday, October 5, 2011, 8:00am – 11:30am, held at the MRA conference Center in Waukesha, WI. Companies receive an average of 4 million attacks against their networks on a daily» Read Full Article

Recently one of our LWMMI (League of Wisconsin Municipalities) insureds asked this question, “Are municipalities (and related entities) covered by OSHA?” and an issue of The Municipality, confirmed a response we initially provided… “Local governments are not subject to state regulations, which are at least as stringent as OSHA, does not have jurisdiction over the state or» Read Full Article

Municipalities, public schools and anyone employing “public sector” employees must complete an OSHA 300 log.  The deadline is March 1 each year for public sector employers.  Additionally, they are required to annually complete form SBD-10710 which is the same information that is on the OSHA 300A form.  Unlike OSHA that requires completion of the log by companies that employ» Read Full Article