HomeMy WebLinkAboutInsurance Coverage1
Title: Insurance Coverage
Date of Current Version: January 2019
Replaces Version: April 2012
Background
The Center’s insurance coverage provides protection against loss due to personal injury; damage to the
facility; damage to Center owned equipment and materials; and items brought into the facility for
fundraising purposes or displays (e.g. quilting materials brought in by a paying customer, artwork
included in a Center exhibit).
Liability Coverage
1. The City provides general liability coverage to protect against injuries to third parties (parties other
than City employees).
2. The City provides public officials and Center volunteers with liability coverage to protect them
against injuries or damages resulting from errors or omissions.
3. The City is not liable if bodily injury results from negligence or malpractice on the part of the in-
house agencies, partner organizations, independent contractors, or renters who provide service or
activities at The Center since they are not acting as agents of the City.
Property Damage
1. The City provides insurance coverage for the building itself and City owned or managed property
from loss due to fire, negligence, and vandalism. Managed property includes such things as quilts
accepted for quilting services and exhibiting art work.
2. Concurrently with hanging artwork for display or dropping off materials for quilting services, the
owner shall provide an itemized cost estimate for all items left on the premises.
3. In-house agencies, partner organizations, or renters using space in The Center for operational or
storage purposes are advised to carry their own insurance to protect their personal property from
loss due to fire, vandalism, and theft.
4. Participants are urged to use lockers to secure valuable property as the City does not cover
volunteers or visitors against theft.
Administration
Insurance coverage is selected, provided, and administered by the City of Iowa City’s Accounting/
Finance Department. The Center coordinator or designee is responsible for overseeing on-site
implementation of insurance policies and claims.
Approved by the Senior Center Commission on: January 24, 2019