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Is registered with the city; and <br />Is working under the direction and control of the city. <br />A registered city volunteer who is injured while assisting in a disaster would therefore be entitled <br />to workers’ compensation benefits. LMCIT’s practice has been not to charge any additional <br />premium for this workers’ compensation exposure. <br />Like any city volunteers, disaster volunteers are automatically “covered parties” under the city’s <br />LMCIT liability coverage. Thus for LMCIT member cities, LMCIT would cover liability claims <br />against a registered emergency volunteer working under the city’s direction and control. <br />These volunteers do not need to be reported to LMCIT. However, because the statute specifies that <br />emergency volunteers must be “registered”, the city should maintain a record of the individuals <br />that provide volunteer help to the city in an emergency (or at any other time for that matter). If an <br />injury occurs, the LMCIT work comp claims staff will need that record to determine whether or <br />not the individual is covered. <br />What about other political subdivisions or cities that arenÔt LMCIT members? <br />Obviously, we’re only in a position to tell you how the city’s LMCIT coverage works. If you’re <br />not an LMCIT member, talk to your insurer about work comp, liability, and equipment coverage. <br />Make sure your insurer will cover whatever exposures you have, whether you’re operating under <br />the statute or under an agreement. Make sure too that you understand what items or exposures you <br />need to report to your insurer, and what the added coverage will cost. <br />Similarly, if your city receives assistance from a political subdivision that’s not an LMCIT <br />member, make sure that that political subdivision is aware of these various coverage and liability <br />issues and has addressed them appropriately with their own carrier. <br />Providing help outside of Minnesota <br />Sometimes a Minnesota city is called to help in an emergency outside the state. Sending help to <br />other states is of course very valuable to their disaster response needs, and may also provide some <br />important “real life” training to local responders. <br />Cross-border assistance <br />It’s common in border communities to have mutual aid agreements that cross state lines. This is a <br />perfectly okay practice and the provisions of that contract will control the arrangement, just as it <br />would if both cities were in Minnesota. <br />It may sometimes be the case where a city in another state calls a Minnesota city directly to <br />provide assistance, but the two cities don’t have an existing mutual aid arrangement. Again, this is <br />probably most common in border communities. This scenario can be a bit tricky, because state <br />laws may differ in terms of how liability and workers’ compensation issues are handled. In <br />5 <br /> <br />