The Liability coverages and limits provided by the TML Pool are designed
to meet the statutory obligations of governmental entities under the Tort
Liability Act. Monetary limits of liability are set by Section 29-20-403(b) (2)
A.
LIABILITY COVERAGE & TORT EXPOSURES
GENERAL LIABILITY, PERSONAL INJURY LIABILITY, LAW ENFORCEMENT LIABILITY,
AND AUTOMOBILE LIABILITY COVERAGES
COVERAGE A/COVERAGE B/COVERAGE D
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$300,000 |
Per Person, Bodily or Personal Injury (Tort Liability Act) |
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$700,000 |
Per Occurrence, Bodily or Personal Injury (Tort Liability Act) |
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$100,000 |
Per Occurrence, Property Damage (Tort Liability Act) |
LIABILITY COVERAGE & NON-TORT EXPOSURES
GENERAL LIABILITY, PERSONAL INJURY LIABILITY, LAW ENFORCEMENT LIABILITY,
AND AUTOMOBILE LIABILITY COVERAGES
COVERAGE A/COVERAGE B/COVERAGE D
ERRORS OR OMISSIONS LIABILITY COVERAGE
COVERAGE C
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$700,000, $1,000,000, $2,000,000, $3,000,000, $4,000,000, $5,000,000 |
AUTOMOBILE PHYSICAL DAMAGE COVERAGE
COVERAGE E
Comprehensive and Collision - Actual Cash Value
Optional Deductible Levels
Supplemental (Replacement) Coverage for Fire, Specialized Sanitation and
Specialized Utility Department Units ONLY listed on the Supplemental Automobile
Physical Damage Schedule.
Automatically Included Additional Limits of Coverage:
Medical Payments Coverage
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$1,000 Per Person |
Fire Damage Coverage
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$100,000 Per Occurrence |
Impounded/Commandeered Property Damage Coverage
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$100,000 Per Occurrence |
Non-Monetary Defense Cost Coverage
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$100,000 Per Occurrence |
Optional Limits of Coverage
Uninsured Motorists Coverage
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$60,000 or $300,000 Bodily Injury and Property Damage, Per Occurence |
PROPERTY COVERAGE – PART ONE
COVERAGE PART A - REAL AND PERSONAL PROPERTY
Replacement Cost or Actual Cash Value
Coverage can be provided for your buildings, your personal property, your
improvements and betterments to buildings you do not own, and personal property
of your employees or elected officials at your covered locations for direct
loss or damage by covered causes of loss, subject to policy exclusions, definitions and
conditions. Coverage is extended to your personal property and personal
property of your employees or elected officials at your covered locations if
within 500 feet of covered locations indicated on the Buildings and Personal
Property Schedule. Permanently attached equipment and machinery and
freestanding property, such as fences, bleachers, lighting, signs, and
playground equipment, should be included and described in your building values
for each location. Owned or leased office equipment such as radios, cellular
telephones, copiers, and fax machines, should be included and noted in your personal
property values for each location.
COVERAGE PART B – ELECTRONIC DATA PROCESSING EQUIPMENT
Replacement Cost
Coverage is provided for your electronic data processing equipment and other
electronic equipment for direct loss or damage by covered causes of loss
(including mechanical breakdown), subject to policy exclusions and conditions.
Coverage is provided both at covered locations and away from covered locations.
Electronic Data Processing Equipment and components and telephone systems
should be listed on the Electronic Data Processing Equipment Schedule.
COVERAGE PART C - MOBILE EQUIPMENT
Actual Cash Value
Coverage is provided for your mobile equipment for direct loss or damage by
covered causes of loss, subject to policy exclusions and conditions. Coverage
is provided both at covered locations and away from covered locations. Actual
cash values for your mobile equipment, including bulldozers, tractors,
forklifts, tools, and other equipment should be listed on the Mobile Equipment
Schedule. You may also include your drug or attack police dogs with name and
value for accidental injury or death coverage.
COVERAGE PART D – EQUIPMENT BREAKDOWN
Coverage is provided for your equipment for direct loss or damage as a result
of accidental breakdown by covered causes of loss, including your Boiler and
Pressure Vessels (heating or process boilers and pressure vessels); Air
Conditioning Equipment (air conditioning system motors, compressors and fans);
Electrical Equipment (power transformers, switchboards, distribution panels,
and circuit breakers); and Mechanical Equipment (compressors, pumps, fans,
blowers, engines, and turbines), subject to policy exclusions and conditions.
Coverage is also available for Newly Acquired Property, Expediting Expenses,
Hazardous Substances, and Ammonia Contamination.
COVERAGE PART E - AUTOMATIC COVERAGES
The following coverages are provided automatically at the lesser of your total
insured values or the TML Pool minimum limits and values, subject to policy
exclusions and conditions.
Earthquake - Per Occurrence and Annual Aggregate
Flood - Per Occurrence and Annual Aggregate
Newly Acquired Locations
Loss of Revenue
Extra Expense
Rental Values
Property In The Course of Construction
Expediting Expenses
Property In Transit
Increased Cost of Construction
Demolition Cost
Debris Removal
Consequential Loss
Leasehold Interest
Valuable Papers and Records
Accounts Receivable
Electronic Data Processing - Media and Software
Fine Arts
Personal Effects
Pollutant Cleanup and Removal
CRIME COVERAGE – PART TWO
Automatic Limits of Coverage Included At No Additional Premium Charge
COVERAGE A – EMPLOYEE DISHONESTY
Coverage is provided for loss from employee theft of money, securities, or
property. Coverage can be written with a per loss limit, a per employee limit,
a per position limit, or on a combination basis with a blanket limit for all
employees and an additional limit for other key employees.
COVERAGE B – FORGERY OR ALTERATION
Coverage is provided for loss due to dishonesty in writing, signing, or
altering of checks, drafts, or promissory notes by persons other than employees.
COVERAGE C - THEFT, DISAPPEARANCE OR DESTRUCTION
Coverage is provided for loss of money and securities both inside and outside
of your premises as a result of theft, disappearance, or destruction caused by
persons other than employees.
COVERAGE D - COMPUTER FRAUD
Coverage is provided for loss of money, securities, and other property by
fraudulent computer transfer by someone other than employees.
WORKERS COMPENSATION COVERAGE
SECTION I - STATUTORY LIMITS
Medical and indemnity benefits payments are made to "paid employees"
as outlined in the Tennessee Workers Compensation Law, subject to policy
exclusions and conditions.
SECTION II - EMPLOYERS LIABILITY
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$300,000 Bodily Injury By Accident or Disease, Each Accident |
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$700,000 Bodily Injury By Disease, Policy Limits |
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$300,000 Bodily Injury By Accident or Disease, Each Employee |
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Optional Limits for Employers Liability Coverage: $1,000,000/$1,000,000/$1,000,000 |
VOLUNTARY COMPENSATION COVERAGE
Workers Compensation coverage provides benefits only to persons meeting the
definition of an employee. This leaves three classifications of "non-paid
employees" with no medical and/or compensation benefits coverage. The
Optional Voluntary Compensation coverage, offered by the TML Pool, provides
medical and/or compensation benefits to the following three classifications of
non-paid employees: Volunteer Firefighters, Auxiliary/Reserve Police Officers,
and Elected Officials.
Voluntary Compensation Medical Coverage
The Voluntary Compensation Medical Coverage is an optional coverage that
enables an employer to extend the medical benefits provided by the Tennessee
Workers Compensation Law to non-paid employees while acting within the scope of
assigned duties, subject to policy exclusions and conditions. Medical benefits
are paid in accordance with the Workers Compensation Law of the State of
Tennessee.
Voluntary Compensation Accident Coverage
The Voluntary Compensation Accident Coverage is an optional
coverage that enables an employer to extend accident benefits to non-paid
employees while acting within the scope of assigned duties, subject to policy
exclusions and conditions.
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Total Disability Limit |
$200,000 Per "Non Paid Employee" $1,000,000 Per Accident Aggregate |