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