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<br />Belowis a summary of the aggregate limits for 2008-2009. <br /> <br />Exposure Current annual Defense costs subject <br /> a2e:retZate limit to the alZK. . limit? <br />Electromagnetic fields $2.000,000. No <br />Employers liability (work come) $1.500.000 No <br />Failure to supply utilities 52,000,000 No <br />Land use 51.000.000 Yes <br />Limited poll~tion (lead and asbestos; sudden and 52,000,000 Yes <br />accidental release of pollutants; herbicide and <br />pesticide application; sewer ruptures, overflows and <br />backups) <br />Mold $2.000,000 . No <br />Outside Organizations 5100,000 Yes <br />. Products / comoleted ooerations $2,000,000 No <br /> <br />Excess liability coverage <br />If your city carries excess liability coverage, your city will have $300,000 more coverage limits <br />avail~ble after the July. 1, 2009, switch. . <br /> <br />Cities that carry $1 million of excess coverage currently have $2.2 million of total limits available <br />",$1.2, million under the primary coverage plus $1 million of excess.caverage. ' <br /> <br />After the change, cities will have $2.5 milliqn of total limits - $1.S million of primary coverage <br />plus $1 million of excess coverage. <br /> <br />Decision to waive or not waive the statutory liability limits . <br />At each renewal, LMCIT members must decide whether to waive the statutory liability limits. The <br />changes in LMCIT's coverage limits don't affect that decision. Whatever your city decided at the <br />last renewal will remain in effect unless you tell us differently. <br /> <br />If your city has chosen not to waive the statutory limits, the amount that claimants can recover will <br />vary depending upon the date of the occurrence (assuming it's a kind of claim to which statutory <br />limits apply). . <br /> <br />Even though "non-waiver" cities now have $1.5 million of coverage available, the $400,000/$1.2 <br />million statutory limit will still apply to claims arising from events that occurred before July 1, <br />2009. For claims arising from events that occur on or after July 1,2009, the $500,0001$1.5 million <br />statutory limit wUl apply. <br /> <br />If your city has chosen to waive the statutory limits, however, the amount that claimants can <br />recover will increase when LMCIT coverage limits change. For "waiver" cities, on any claim <br />made after July 1,2009 (or after the city's renewal ifearlier), one or more claimants could now <br />recover up to 51S million per occurrence, regardless of whether the occurrence was before or after <br />July 1,2009. . <br /> <br />r <br />I. <br /> <br />2 <br />