Manchester Municipal Risk Management Authority


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Upcoming Meetings
02.20.19 Fire/EMS Advisory Committee Meeting
03.05.19 DPS Advisory Committee Meeting
03.07.19 2019 Risk Management Workshop
03.14.19 Administrative Advisory Committee Meeting
03.14.19 U.P. Law Enforcement Advisory Committee Meeting
03.26.19 Technology & Cyber Security Advisory Committee Meeting

Featured Training
02.19.19 Inmate Manipulation Training
03.12.19 Freedom of Information Act (FOIA) Workshop
03.12.19 Freedom of Information Act (FOIA) Workshop
04.03.19 Sexual Harassment Active Bystander Training
04.03.19 Sexual Harassment Active Bystander Training
04.26.19 Rapid Deployment to Active Shooter
04.29.19 Tactical Encounters for Patrol Officers
05.02.19 Tactical Encounters for Patrol Officers
05.20.19 Public Labor Law and Effective Grievance Processing for Supervisors
05.29.19 Emerging Legal Trends & Liability Management for SWAT & Emergency Response Operations


What's New/Hot Topic From MMRMA to You
MMRMA Announces $1.5 Million Distribution from State Pool Retention Fund
Board declares distribution based on recommendation from the State Pool Committee.


February 2019
Smart Onboarding and Orientation Practices; MMRMA Updates Five Valuable Risk Control Brochures; Preview of Risk Management Workshop

How Do You Eat an Oreo?

Posted: Thursday, April 9, 2015

There are two ways to manage MMRMA's annual revisions to the Coverage Documents. Please read below to find out what we recommend.

As anyone who has eaten an Oreo knows, there are two ways to eat one, both equally good. Similarly, there are two ways to handle the new updated pages for MMRMA’s Coverage Documents.

Several years ago, we switched our Coverage Document format from a stitched booklet to a three-ring binder. Since then, we have tweaked the document by minor alterations in the wording each year. Once the MMRMA Board approves the given year’s changes, the staff prints up new pages for distribution.

This is where the divergence occurs. Some members pull the old pages out and replace them with the updated pages, then throw the outdated pages away. While this does keep the book current, it may create confusion when dealing with older claims. Each claim is administered based on the coverage in place at the “Date of Loss.” This means the date that the event took place or the accident happened.

The “Date of Loss” defines the coverage terms in place for that specific claim. So if you receive a lawsuit today that is based on events that took place two years ago, you need to look at the coverage in place two years ago, not the coverage in place today.

In order to be able to read the coverage in place from two years ago, members will need to keep the old pages of the Coverage Document.

Therefore, we recommend that members keep all previous pages and store them in the back (or front) of the three-ring binder. The complete Coverage Document versions for each effective date, as well as PDFs with only the revised pages for each effective date, are also available in the Members Only section of the website under Governance Manual – Appendices.

If you have any questions about the Coverage Document or this procedure, please contact your Regional Risk Manager or the MMRMA Underwriting staff.




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Michigan Municipal Risk
Management Authority

14001 Merriman Road
Livonia, MI 48154
734.513.0300
800.243.1324

MMRMA has been a leader in municipal risk since 1980 and remains committed to meeting the ever-expanding challenges faced by its membership. MMRMA's risk control services are designed to help its members identify, prevent, and mitigate losses through on-site surveys, training, and other services. MMRMA also provides its members with premier claims and legal services, sound financial management, and essential news on the latest developments in public risk management.


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