MOPERM

City of Shelbina City Hall

City of Shelbina City Hall 

Liability Coverages



Lines of Coverage Available


  • •General Liability
  • •Public Officials Errors & Omissions Liability
  • •Employment Practices Liability
  • •Law Enforcement Liability
  • •Medical Malpractice
  • •Automobile Liability (Can be stand alone)
  • •Uninsured Motorist
  • •Automobile Physical Damage Coverage*
  • •Automobile Medical Payments*
  • •Hired & Non-Owned Automobile Liability*
  • •Employee Benefits Liability*
  • •Garagekeepers' Liability*
  • •Planning and Zoning*
  • •Due Process Coverage Extension Endorsement*
  • •Agreed Value Auto Physical Damage*


      • *Optional Coverages


      All MOPERM Coverages are Occurrence Form


      Prior Acts may be purchased at inception of MOPERM coverage by entities previously covered by claims-made forms.



      Limits of Liability


      • •For causes of loss established by Missouri law, MOPERM's maximum limit of liability will not exceed the sovereign immunity limits provided by RSMo. Section 537.610. The causes of loss established by Missouri law are (a) injuries directly resulting from the negligent acts or omissions by public employees arising out of the operation of motorized vehicles within the course of their employment; and (b) known dangerous condition of property for which the entity is legally liable. The maximum limit is regardless of the number of covered parties under the Memorandum, the persons or organizations who sustain injury or damage, or claims made or suits brought. The sovereign immunity limits increase annually effective January 1st (see RSMo 537.610.5). The sovereign immunity limit of liability MOPERM will pay for causes of loss established by Missouri law.
      • •For causes of loss other than those established by Missouri law, and for public officers and employees, the maximum limit of liability is $2,000,000 for any one occurrence arising out of Bodily Injury, Property Damage, Public Officials Errors and Omissions, or Personal Injury, or any combination thereof. The $2,000,000 maximum limit is regardless of the number of covered parties under the Memorandum, the persons or organizations who sustain injury or damage, or claims made or suits brought.
      • •Aggregate limits do not apply to MOPERM coverages.


          • Any Public entity that discontinues participation in the pool is ineligible to participate for a period of 3 years from the date it discontinued participation. 537.705(3), RSMO

          For a downloadable application, click on Forms and select from the list.