Claims Management

The following principles guide our handling of all liability claims submitted by our members.

• If the municipality is not liable, the claim is denied and defended vigorously.
• If the municipality is liable, the claim is negotiated and settled quickly and fairly.
• If the municipality faces potential exposure, a settlement is negotiated based upon the member’s share of liability, and contributions are sought from other responsible parties.
• The MIABC does not pay “nuisance claims”, nor are claims settled for economic or financial reasons. Compromises are sought, but only when liability exposure exists.

Like liability claims, we handle property claims following these basic principles.

• We will work with our Property Insurance Members to settle all insured Property claims as quickly and efficiently as possible in order to lessen the impact of the claim.
• All claims will be handled in a fair and professional manner, and where possible, the Member will be given the benefit of doubt regarding coverage.
• With regards to ancillary claims (claims where the coverage is written through CRIS and insured by another insurer), we will monitor these claims and if required, advocate on behalf of our Member.
• If coverage is excluded, we will communicate the denial to the Member and provide a full explanation.