The 明尼苏达城市联盟 保险信托 understands the unique exposures faced by members and regularly develops new coverages to address their ever-changing needs. The following coverage changes apply to members whose property/casualty coverage renews on or after Nov. 15, 2023, and workers’ compensation renewing on or after Jan. 1, 2024. Members are urged to examine the coverage document for actual wording. In all cases, those documents determine coverage, exclusions, and limitations.

访问与信任相关的术语表.

汽车保险

污染物清理

The 汽车责任 coverage has been broadened to include costs members are legally obligated to pay to clean up pollutants that are suddenly and accidentally released as the result of the ownership, 维护, 或者使用汽车. It is subject to a $50,000 per occurrence sub-limit and $100,000 annual aggregate limit.

市政大麻销售覆盖范围

The Trust has defined two categories of cannabis products for purposes of coverage:

  1. Low-potency edibles or infused drinks (cannabinoid products) sold at municipal liquor stores that are legal and authorized under state law. These products were legalized in 明尼苏达州esota in 2022 with authority for municipalities to sell in 2023.
  2. Other types of cannabis products that were legalized in 2023 and involve higher potencies and more ways to consume, 如吸入.

The Trust will not exclude damages arising out the sale of low-potency cannabinoid products that fall within the requirements specified in 明尼苏达州. 统计. § 151.72年,再分. 4 5和5a. The Trust will, however, otherwise exclude damages relating to the sale of cannabis products. The Trust Board determined the exclusion was appropriate because of the uncertain status of cannabis products under federal law, 我们将继续监控. 与此同时, the Trust is working to find a specialty insurer that can help members cover these kinds of activities.

实际的覆盖率变化如下.

责任保险——两项新的免责条款

第一种责任排除是身体伤害, 财产损失, or personal injury arising out of a member’s ownership, 操作, 或维持任何大麻业务, 或者大麻产品的销售. This exclusion does not apply to low-potency edible cannabinoid products sold at municipal liquor stores.

The second liability exclusion is for those cases in which a member may be liable by reason of 明尼苏达州. 统计. § 342.81 (relating to illegal sales) or any other law governing liability for the illegal sales of any cannabis products, 包括低效力. Coverage for the illegal sales of low-potency cannabis products will be moved to the Trust’s liquor liability coverage, 会员可以选择购买哪些保险.

财产保险——一个新的例外

The property coverage will exclude cannabis products, except for low-potency edible cannabinoid products.

酒类责任保险——扩大保险范围

酒类责任保险, 会员可选择的保险项目有哪些, will include sums a member is legally obligated to pay because of the illegal sale of low-potency edible cannabinoid products at or from a covered premises, 由 明尼苏达州. 统计. § 342.81 or any other law governing liability for illegal sales.

责任保险

pfa排斥

会有新的, explicit wording to support the longstanding coverage intent of the pollution exclusions, which is that claims related to PFAS (Per and Polyfluoroalkyl Substances) are excluded from the property and liability coverages as pollutants. This change is not intended to further restrict coverage — it’s a supporting clarification the insurance and reinsurance industry are adopting.

专业医疗服务除外

Coverage will be clarified to better define which medical professionals are excluded from coverage. 除了医生之外, 牙医, 护士, 药剂师, 和心理学家, it will clarify this also includes doctors of osteopathic medicine, 验光医生, 足病医师, 医师助理, 兽医, 还有牙科治疗师.

财产保险

网络索赔的水损害次级限额

The property coverage has an exclusion for cyber claims caused by unauthorized intrusive codes or programming, 比如黑客, ransomware, 或者电脑病毒, but there’s an exception to the exclusion for damages resulting from smoke, 爆炸, 水的破坏, 泄漏, 或从灭火设备中排放. A new sub-limit in the amount of $10 million will apply to property claims caused by a cyber event that results in 水的破坏 to members’ property.

pfa排斥

会有新的, explicit wording to support the longstanding coverage intent of the pollution exclusions, which is that claims related to PFAS (Per and Polyfluoroalkyl Substances) are excluded from the property and liability coverages as pollutants. This change is not intended to further restrict coverage — it’s a supporting clarification that the insurance and reinsurance industry are adopting.

种植园主和“开放财产”的定义

财产-in-the-open, which captures types of property not in a building, 比如长凳, 栅栏, 还有野餐桌, 会扩大到包括种植园主吗.

工伤赔偿保险

传染病检测限度

The infectious disease diagnostic testing limit will increase from $5,000 to $7,500 per incident. The coverage provides diagnostic testing for certain viral infections, such as human immunodeficiency virus (HIV) and meningitis, and other diagnostic costs that are not otherwise covered by workers’ compensation.

可选的保险

超额责任回溯日期措辞

Members have the option to carry higher coverage limits than the basic limits automatically provided by the Trust for municipal liability, 土地使用和特殊风险诉讼, 汽车责任, 以及酒类责任. A slight wording change will be made to clarify under what circumstances the excess liability will respond.

酒责任

酒类责任保险, 会员可选择的保险项目有哪些, will include sums a member is legally obligated to pay because of the illegal sale of low-potency edible cannabinoid products at or from a covered premises, 由 明尼苏达州. 统计. § 342.81 or any other law governing liability for illegal sales.