Manchester Municipal Risk Management Authority

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Upcoming Meetings
10.06.20 DPS Advisory Committee Meeting
10.16.20 Parks & Recreation Committee Meeting
10.20.20 Fire/EMS Advisory Committee Meeting
10.20.20 Facilities Management Committee Meeting
10.22.20 Corrections Advisory Committee Meeting
11.05.20 Lower Peninsula Law Enforcement Committee Meeting

Featured Training
10.13.20 Effectively Managing Problem Employees
10.15.20 Effectively Managing Problem Employees
10.20.20 Managing Generational Differences in the Workplace
10.22.20 Managing Generational Differences in the Workplace

What's New/Hot Topic From MMRMA to You
Vacancies on Events Planning and State Pool Committees
Deadline to submit letters of interest for the Events Planning and State Pool Committees is Friday, October 2, 2020.

August 2020 Risk Journal
RAP/CAP grant update. Applications welcome; next deadline is October 2. Plus virtual public meeting tips from a member and a parliamentary expert, and exploring direct supervision in jails.

June 2020 Risk Journal
Developing, Communicating Plans to Reopen During and After Pandemic; Managing Inmate Expectations a Key Component of Effective Jails

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 Some members pull the old pages out and replace them with the updated pages, then throw the outdated pages away.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

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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