CCM
  • Claims
  • Careers
  • CIRMA Members
  • Contact Us
CIRMA_Logo_Abv_FullColor.png
  • About CIRMA
    • Our History
    • Committees
    • Mission Statement
    • Excellence in Risk Management Award
  • Workers' Compensation
    • Workers’ Compensation Program Overview
    • Claims
    • Firefighter Accident Insurance Program
    • Heart & Hypertension Program
    • Risk Management Services
    • Risk Management Tools
    • Workplace Safety Center
    • Request a Quote
  • Liability Auto Property
    • Storm & Hazard Center
    • LAP Coverage Overview
    • LAP Policy Enhancements
    • Builders Risk
    • International Travel Insurance
    • TULIP - Tenant User Coverage
    • Employment Practices Liability Helpline Program
    • Claims
    • Risk Management Services
    • Risk Management Tools
    • Cyber Risks & Alerts
    • Request A Quote
  • Other Services
    • Contract Review
    • Heart & Hypertension Services
    • Fraud Investigation & Subrogation
    • Consultative Services
    • SIS
    • Request a Quote
  • Storm & Hazard Center
    • Summer Maintenance
    • Pre-Season Hurricane Preparations
    • Hurricane Preparations
    • HSB - Boiler & Equipment Maintenance
    • HSB - PREPARE Program
    • HSB - School Energy Efficiency Program
    • HSB - Electrical Assessment Tools
    • Hazard Trees
    • Ash Borer & Gypsy Moth Infestation
    • After a Flood
    • Cold Weather Property Preparation
    • Winter Storms
    • Slip & Fall Prevention
    • Lightning Protection - Fire
    • Lightning Protection-Surge Protectors
    • Sports Safety Heat Stress
  • LAP Coverage Overview
  • LAP Policy Enhancements
  • Builders Risk
  • International Travel Insurance
  • TULIP
  • Employment Practices Helpline Program
  • Claims
  • Risk Management Services
  • Risk Management Tools
  • Cyber Risks & Alerts
  • Request a Quote
  • Training & Education Programs
  • Learning Media Library
  • Publications
  • News & Events
  • Claims

Themes/Images/police-fleetweb.jpg

LAP Coverage Overview

Liability-Auto-Property

Backed by CIRMA's financial strength, our Liability-Auto-Property (LAP) coverage program is tailored to meet the needs of Connecticut municipalities, public schools, and local public agencies. As the largest and most experienced municipal insurer in the state, CIRMA underwrites unique municipal and school exposures accurately so that they are properly insured at the best possible price. CIRMA's claims staff and legal counsel have a superior track record in successfully protecting members against liability claims. Our auto-property claims and restoration specialists resolve claims promptly and expertly, preventing costs from escalating and returning you to full operation as quickly as possible.

Coverage for Liability. CIRMA protects your entity against financial loss resulting from claims of injury or damage caused by your employees or volunteers. CIRMA's liability coverage includes many coverages important to municipalities and schools. For example:

  • Employment-related practices liability,

  • Professional coverages for EMTs.

CIRMA provides broad liability coverage for public and school officials, and law enforcement personnel.

Auto. All your owned vehicles are covered.

Property. CIRMA's property coverage isn't limited to properties listed on the schedule attached to a policy. Flood and earthquake coverage is automatically included with limits up to $10 million.

Equipment Breakdown. High-value equipment is covered against most causes of sudden failure. Coverage is on a replacement cost basis.

Excess Coverage Program. CIRMA offers Excess Liability Limits of up to $26 million under its Liability-Auto-Property policy. Coverage terms are the same from the first dollar up to $26 million, so you are assured that there are no gaps or expensive overlaps in coverage.

Fidelity & Crime Coverage Program. CIRMA offers a Crime Coverage program through an 'A' Rated carrier, which covers loss from theft, including the disappearance or destruction of property, forgery, and computer fraud. Money is covered while it is inside your premises or in a banking institution. This is coverage is purchased separately and there is an additional cost. For more information on this coverage, please contact your CIRMA Underwriter.

Please Note:
All coverages are subject to the terms and conditions of the policy. CIRMA endeavors to accurately describe the benefits of this coverage in its literature.


Rate Stabilization Programs for Municipalities

CIRMA offers rate stabilization programs to help municipalities and public school manage their budgets. Contact your CIRMA Underwriter for more information about these programs.



 

CIRMA_Logo_Full_White_trans.png
  • Site Map
  • Privacy Statement
  • Copyright Statement

 

CONNECTICUT INTERLOCAL RISK MANAGEMENT AGENCY
545 Long Wharf Drive, 8th Floor | New Haven, CT 06511-5950 | 203-946-3700

 

 

Copyright © 2022. Connecticut Interlocal Risk Management Agency. All Rights Reserved.

Website Design: TCC Web Interactive a Division of The Computer Company, Inc.