General Liability
Comprehensive Coverage for Housing
MHAPCI provides a wide range of coverage for the exposures housing authorities typically face from day-to-day operations.
These coverages include, but are not limited to:
- Contractual Liability: When your Authority enters into an agreement considered to be a covered contract, such as a lease of premises.
- Premises liability: Where an individual is injured on your premises and alleges that the accident resulted from the dangerous condition of your public property.
- Coverage is provided to our Members on a per-occurrence basis.
- Employee Benefits Liability: Arising out of the administration of an employee benefits program, this includes providing information as to employees and their dependent’s eligibility for the program and handling of records. However, there are exclusions. For example, coverage does not include losses resulting from fiduciary’s activities, investment losses, or failure to effect, purchase or maintain an employee benefit program.