LGC Risk Services Property and Liability

Property and Liability

Through New Hampshire Local Government Center's (LGC) Property-Liability Trust, we promote a true partnership with member groups to help them understand potential risk exposures, and remain protected from risk.

Because our LGC Property-Liabiliy Trust representatives have backgrounds in various areas of municipal and school risk exposures, they have a first-hand understanding of the extra effort and "member first" philosophy necessary to successfully administer claims for our member groups' benefit.

Click on the following LGC Property-Liability Trust offerings to learn more.

PROPERTY-LIABILITY PROTECTION
CLAIMS ADMINISTRATION
FILE A CLAIM ONLINE
VETO POWER
EMPLOYMENT LAW HOTLINE
LOCAL GOVERNMENT LEADERSHIP INSTITUTE
9-9-9 PROGRAM
TENANT USERS LIABILITY INSURANCE POLICY
UNEMPLOYMENT QUARTERLY TAX AND WAGE REPORT
MEMBER AGREEMENTS

PROPERTY-LIABILITY PROTECTION
With an easy-to-read Member Agreement providing broad protection for all liability, property, and crime exposures, the LGC's Property-Liability Trust services are designed to meet the unique protection needs of New Hampshire towns, cities, schools and other qualifying quasi-municipal entities. Examples of standard areas of protection include the following:

Property (Real & Personal)

Building
Automobile
Mobile Equipment
Fire Engine & Emergency Equipment
Other Scheduled Property

Liability

General
Employer
Automobile
Public Officials
Educators Legal
Individuals with Disabilities Education Act (IDEA)
Police
Fire
Jailor
School Nurse/EMT Professional Liability

Crime

Money & Securities
Blanket Bond
Faithful Performance
Depositors Forgery
Counterfeit Papers
Public Official Schedule Bonds (as required by New Hampshire Department of Revenue Administration)

CLAIMS ADMINISTRATION
LGC Property-Liabiliy Trust claims are handled professionally by in-house, licensed claims adjusters located in Concord, New Hampshire. Adjusters are available by telephone and frequently meet with members onsite to conduct thorough investigations and provide detailed information.

The primary goal of LGC's Property-Liability Trust claims professionals is to provide personal service that assures a vigorous defense and instills complete confidence that member interests come first.

Use our online submission form to file a claim with the Property-Liability Trust.

VETO POWER
We realize from vast experience that the most successful claims resolutions are reached through a cooperative effort with members. LGC Property-Liabiliy Trust's unique Veto Power provision underscores the LGC's firm commitment to a "members first" philosophy.

LGC Property-Liabiliy Trust members who are faced with third party claims felt to be frivolous have the option to veto settlement of the claim and bring it to court, for all lines of liability protection. member groups are kept informed of their file's status and are always encouraged to remain involved in the entire claims process.

EMPLOYMENT LAW HOTLINE
LGC Property-Liabiliy Trust's Employment Law Hotline aids in preventing member groups from being ill-prepared for legal actions and claims arising from wrongful termination, age discrimination, racial discrimination, sexual discrimination, sexual harassment and other employment-related matters.

LGC Property-Liabiliy Trust members have direct access to Hotline employment experts at the New Hampshire law firm of Devine, Millimet & Branch, P.A. Experienced attorneys can provide sound, confidential legal advice on employment matters such as Title VII, FMLA, ADA, Fair Labor Standards Act, wrongful termination and age-, sex- and race-based discrimination. They can also advise whether a member group may be facing a potential liability issue and how best to proceed.

The Employment Law Hotline is available at no charge to LGC Property-Liabiliy Trust members and provides up to one-half hour of legal advice per employment issue. Additional consultations may be approved as needed.

LOCAL GOVERNMENT LEADERSHIP INSTITUTE
LGC Property-Liabiliy Trust partners with Antioch New England Institute to offer an innovative, comprehensive leadership development program for New Hampshire's local government leaders. Click here to learn more about this two-part certification program.

9-9-9 PROGRAM
At LGC, many of us serve as local officials so we understand that long-term stability is the key to budget planning. That’s why our 9-9-9 Program is designed to help you calculate your expenditures for Workers’ Compensation and Property-Liability Trust (PLT) coverage with certainty from 2008 through 2011. To learn more, link to our 9-9-9 Program Web page.

TENANT USERS LIABILITY INSURANCE POLICY
LGC Property-Liability Trust (PLT) now partners with Entertainment Brokers International (EBI) to provide low-cost, general liability insurance for special events like weddings, memorial services and fundraisers being held on municipal or school property through EBI’s Tenant Users Liability Insurance Policy (TULIP) program. Through a TULIP program, PLT member groups can assist local requestors in obtaining coverage on their own without taking on additional duties or expenses. It provides general liability insurance for the tenant users of your group’s venue or facility.

The TULIP program is voluntary and protects both the tenant user and facility against claims by third parties who may be injured or incur property damage resulting from the activities of the tenant user. To learn how to obtain coverage through EBI’s TULIP program, please download these procedural instructions. NOTE: As a PLT member, you are free to request TULIP program coverage directly from an alternate insurance broker or another source.

UNEMPLOYMENT QUARTERLY TAX AND WAGE REPORT
Please save this Word document to complete electronically and e-mail to: scolby@nhlgc.org

MEMBER AGREEMENTS
You can download PDF versions of our latest Property-Liability Trust Member Agreement and Educators' Member Agreement. (NOTE: You will need to have Adobe Acrobat Reader ® software installed on your computer in order to download these documents as PDFs. If you don't already have it installed, simply click on our hyperlink to install a free copy.)