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<br />I <br /> <br />- <br /> <br />CITY COUNCIL WORK SESSION <br />Topic Report: Consider Dram Shop <br />Insurance Requirement Increase <br />By: Jo Thieling, City Clerk <br /> <br /> <br />Background: <br /> <br />C.ouncilmember Dehen requested that staff and C.ouncil review the City's dram sh.op <br />insurance requirements fer liqu.or establishments and p.ossibly increase that am.ount. <br />State Statute requires all liqu.or establishments t.o carry at least $50,000 .of c.overage <br />because .of b.odily injury t.o any .one pers.on in any .one .occurrence, $100,000 because .of <br />b.odily injury t.o tw.o .or mere pers.ons in any .one .occurrence, $10,000 because .of injury t.o <br />.or destructi.on .of pr.operty .of ethers in any .one .occurrence, $50,000 fer less .of means .of <br />supp.ort .of any .one pers.on in anyone .occurrence, and $100,000 fer less .of means .of <br />supp.ort .of tw.o .or mere pers.ons in any .one .occurrence. Attached is State Statute <br />340A.409 entitled LIABILITY INSURANCE. State Statue d.oes net prohibit l.ocal <br />entities fr.om requiring higher c.overage. Ramsey City Cede refers t.o State Statues fer <br />insurance c.overage and d.oes nat require a higher amaunt. Attached is a portion of <br />Chapter 7 of the City Code re liquor liability insurance. <br /> <br />Staff cantacted several area cities ta find .out what they require far dram sh.op insurance. <br />Fallawing are the respanses. <br /> <br />· Anaka: Minimum .of $300,000 c.overage - single limit <br />· And.over: Same as State Statutes <br />· Blaine: Same as State Statutes - but all their establishments carry mere <br />· Braaklyn Park: Same as State Statutes <br />· Br.o.oklyn Center: Annual aggregate insurance palicy afnat less than $300,000 <br />· Champlin: Same as State Statutes <br />· Calumbia Heights: Same as State Statutes <br />· Elk River: $100,000/$300,000/$25,000 <br />· Fridley: Same as State Statutes - but mast establishments carry mere <br />· Ham Lake: Minimum .of $300,000 <br />· Maple Greve: $500,000/$500,000/$500,000 <br /> <br />Staff alsa c.ontacted the Cities .of Caan Rapids, Daytan, Spring Lake Park, Big Lake, Lina <br />Lakes, East Bethel, Ragers, St. Francis and St. Michael, but at the time .of this writing had <br />nat received a respanse.It is passible t.o find mast .of the infarmati.on an their websites <br />and if Cauncil desires the inf.ormatian from thase cities, staff will pravide that. <br /> <br />Staff examined the files .of Ramsey's liquar establishments ta review what c.overage each <br />.one carries. Every establishment exceeds the liability amaunt required; the am.ounts <br />