Student Interns - New liability coverage endorsement
Many Connecticut high schools arrange student internships, job shadowing, or school-approved projects at local businesses or organizations as independent study. These internships are a wonderful opportunity for students to gain real-world experience. CIRMA will offer coverage for the student interns for General Liability, Personal Injury, Advertising Liability, and Medical Payments beginning July 1st. Coverage will apply only when the student is acting within the scope of their duties as assigned by the LAP member. Note: Coverage will be provided by endorsement on a case-by-case basis following a risk management review and underwriting approval at no additional charge.

'Going green' gets easier - Higher Increased Cost of Construction sublimit
Beginning July 1st, CIRMA will raise the Increased Cost of Construction (Building Law & Ordinance) sublimit in its LAP policy from $1 million to $3 million. This policy enhancement will help protect members' budgets after a major property loss from the additional costs associated with meeting building ordinances. For example, according to Reed Construction Data, Inc., "green construction" costs average about $3 per square foot more than for a conventional building. CIRMA's higher sublimit protects LAP members from higher building costs at no additional charge--for a greener tomorrow.

Garage-related liability - Expanded coverage
Town-owned parking garages and high school auto-tech classes share an unusual liability exposure for non-owned autos. Autos that are left in their care, custody, and control can sustain physical damage, such as vandalism. Autos can also be damaged while being worked on in an auto-tech course, or even cause damage to others because of the work performed. CIRMA has enhanced its '09-10 Liability-Auto-Property (LAP) policy to provide coverage automatically for these exposures. Coverage is provided to CIRMA LAP members at no additional charge.

For more information about these new policy enhancements, Contact Steve Bixler, VP of Underwriting