Loss Control

The League of Minnesota Cities Insurance Trust (LMCIT) is a cooperative joint-powers organization formed by Minnesota cities. This means that cities contribute premiums into a jointly-owned fund instead of paying premiums to an insurance company.

The money LMCIT uses to pay claims belongs to the cities themselves - and every loss that is avoided saves money. That’s why LMCIT places such a high priority in helping cities minimize risks and reduce losses.

To minimize risks and reduce losses, LMCIT has implemented a number of initiatives:

  • Training and Workshops
    LMCIT offers general and customized training on land use, and for special job classes such as peace officers. Training is meant to deliver timely and important information to help cities mitigate risks.
    Read more about Training and Workshops
  • Contract Review Service
    LMCIT's Contract Review Service program is a free service that helps guard member cities against common contract liability exposures by identifying defense and indemnification language that may be problematic.
    Read more about the Contract Review Service
  • HR & Benefits
    Member cities can access a variety of Human Resource materials and services designed to help cities mitigate employment claims.
    Read more about HR & Benefits
  • Joint Powers
    Minnesota cities continuously seek efficient ways to use limited resources, exploring opportunities to cooperate with other entities. These partnerships can provide efficiencies, but also can create unique liability issues.
    Read more about Joint Powers
  • Land Use
    More than 20 percent of all members' liability costs are the result of land use claims. Because these costs are significant, LMCIT’s team of land use attorneys works with members to provide customized information and training, and acts as a resource to elected and appointed city officials and to city attorneys.
    Read more about Land Use Services
  • Loss Control Advice
    LMCIT attorneys, staff, and loss control consultants provide loss control advice to member cities as a supplement to city attorney’s services. All are available to answer questions on legal loss control issues; the implications of employment-related decisions; review mutual-aid agreements, contracts, and other documents; and more.
    Read more about services provided by Loss Control Consultants
  • Police & Fire
    Minnesotans benefit from the emergency services delivered by cities. Sometimes fire and police services are provided directly to residents, other times cities collaborate for emergency services. Each of these services, though, presents a unique set of management and liability issues.
    Read more about Police & Fire Issues
  • Safe Patient Handling
    Minnesota cities that operate health care facilities face a high rate of injury among employees responsible for patient lifting. In an effort to demonstrate a means of reducing employee injuries and controlling Workers’ Compensation loss costs, LMCIT partnered with Field Crest Care Center, a nursing home in Hayfield, to install no-lift technology and promote safe patient handling, and is using this project to educate and encourage other municipal health care facilities to find ways to reduce the physical burden on caregivers and decrease injuries to employees and patients, while maintaining a compassionate care environment.
    Read more about Safe Patient Handling
  • Safety Loan Program
    The Safety Loan Program is an affordable, reliable program that provides funding for safety improvements. Your city can make improvements in one year, and spread the costs across several budget years for personal protective equipment, fire suppression/detection equipment, job site safety equipment, and ergonomic equipment.
    Read more about the Safety Loan Program
  • Sewers
    Minnesota cities need to exercise reasonable care for sewer systems to avoid sewer back-up liability. This means cities must establish an inspection and maintenance program and emergency procedures. LMCIT has assembled a task force to develop recommendations and tools to help cities develop a sanitary sewer program.
    Read more about Sewers