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Property

Your OMAG Municipal Property Protection Plan (MPPP) - Coverage for Outdoor Property

As personnel in municipal offices change, replacing the knowledge and experience of the person that served your municipality can be difficult.  Understanding insurance coverage may not be a priority when so many other things demand your attention as a municipal employee. Please let the following serve to provide a description of the coverage for outdoor property that OMAG provides.  

Outdoor Property is sometimes referred to as property in the open and should be listed on your schedule of covered property described as such. Outdoor property does not provide coverage for buildings and is only for the named structures listed below.  

Outdoor Property means retaining walls not part of a building, lawns (including fairways, greens and tees), trees, shrubs, plants, bridges (excluding vehicular bridges), walks, roadways, patios or other paved surfaces, outdoor lighting fixtures (excluding holiday and seasonal lighting), traffic signaling devices or controls, utility poles (including transformers on the poles but not including the transmission lines), or emergency communications radio towers or sirens, and fire hydrants.

Outdoor property is covered for loss or damage only by the following Covered Causes of Loss: Wind, Fire, Lightning, Explosion, Riot or Civil Commotion, Vandalism or Malicious Mischief, or Aircraft or Vehicles. This coverage also applies to the necessary and reasonable expense incurred by the plan member to remove debris of outdoor property at the plan member’s premises caused by or resulting from a covered cause of loss that occurs during the policy period. Such expenses will be paid only if reported to OMAG in writing within 180 days of the date of direct physical loss or damage. This will not increase the limit of coverage that applies to Outdoor Property. 

It is important to understand each MPPP member is automatically provided $100,000 in coverage for outdoor property, including debris removal aggregate in any one plan year; however, trees, shrubs and plants are subject to a maximum of $5,000 per occurrence. Although this $100,000 in coverage is provided to all MPPP members you are responsible for providing timely and accurate lists of such properties so that any loss incurred over the provided limit is properly covered.  To assure adequate protection in the case of a loss, your property needs to be reviewed annually to ensure it is listed on your schedules at replacement cost value.

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Coverage For Personal Property of Others

Coverage For Personal Property of Others

The responsibility to respond to our members' coverage questions and provide coverage interpretation primary falls on OMAG’s Underwriting and Member Services Departments with support provided by OMAG’s Legal and Risk Management Departments. Providing a clear and consistent response to these inquiries is always our goal.

Our members occasionally ask: “Does the Municipal Property Protection plan provide coverage for our employees' personal property or property that the city stores belonging to someone other than the city?” 

The Municipal Property Protection plan states as follows: PROPERTY COVERAGE FORM / B. Coverage / 1. Covered Property / b. Business Personal Property located in or on the buildings at the plan member’s premises or in the open (or in a vehicle) within 1,000 ft. of the plan member’s premises, consisting of the following unless otherwise specified in the Supplemental Coverage Declarations.  (7) Personal Property of Others (including the plan member’s employees) used in the plan member’s business that is in the care, custody or control of the plan member or for which the plan member has agreed in writing to insure prior to any loss or damage. 

We would advise that unless the city has agreed in writing to cover this personal property, prior to a loss, and that personal property has been scheduled on the plan member's Municipal Property Protection Plan (and a premium has been charged) the employee should look to their own personal homeowner’s coverage. Even if the city agreed to cover this personal property it would only be covered in or on a building or in a vehicle within 1000 ft. of the premises. The deductible for business personal property would apply and as the minimum deductible of $1,000.00 would not appear to help in most cases, we would not think our members would be interested in covering property such as personal phones, personal laptops, office decorations etc. 

We would also advise that this coverage only applies when the property of others is used in the plan member’s business. Property which is in your care, custody or control which is not used in your business (e.g. a vehicle impounded by the police and stored at your facility) would not be property subject to coverage under the Property Plan. The plan member’s liability for damage to that property would fall under the tort claims act. OMAG’s Municipal Liability Protection Plan, however, excludes losses “arising out of damage to or loss of property, including money, in the care, custody or control of the plan member, or to which the plan member is for any purpose exercising physical control.” As such, there would be no coverage for a liability claim relating to personal property that was in the care, custody or control of the plan member and which was not being used in the plan member’s business.

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Understanding Your OMAG Municipal Property Protection Plan - How Are Municipal Properties Covered?

Understanding Your OMAG Municipal Property Protection Plan - How Are Municipal Properties Covered?

As personnel in municipal offices change, replacing the knowledge and experience of the person that served your municipality can be difficult.  Understanding insurance coverage when so many other things seem to demand our attention may not be a priority. Please let the following serve to provide a basic description of the coverage OMAG provides.  

Building Coverage – Insures the city’s structures such as: buildings, water storage towers and tanks, water/waste water plants (including lift stations), stationary generators, electric transformers & substations, emergency sirens, park structures (playground equipment, pavilions, fencing, lighting, skate/splash parks, concessions, score boards) etc.

Contents Coverage – Insures the city’s property inside or on those structures such as: furniture or fixtures, electronic data processing equipment (such as computers, printers, copiers, word processors, facsimile machines, multi-functional telephone equipment), machinery or equipment (such as equipment used for food preparation or storage); or other business personal property used in the city’s business. This property must be located in or on the buildings owned by the city or within 1,000 feet of the building's premises. 

Mobile or Contractors Equipment Coverage – Insures mobile machinery and equipment such as: backhoes, tractors, mowers, portable generators, etc.

Miscellaneous Equipment Coverage – Insures equipment installed in your emergency vehicles such as: sirens, light bars, radar, etc., or equipment used in the city’s business transported outside 1000 feet of a covered building's premises such as: hand-held radios, utility reading equipment, tools, laptop computers, cameras etc.  

Fine Arts Coverage – Insures property of rarity, historic value or artistic merit such as: paintings, statuary, rare books, antique furniture etc.   

To assure adequate protection in case of a loss, your property needs to be reviewed annually to insure it is listed on your schedules at replacement cost value. These schedules of your covered properties are sent to you each year when we send your Municipal Property Protection Plan renewal flash drive.   

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