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InSurance
\ Continued from Page 5 (E) don't appear to be justified by
O.> loss experiences."
iv she has found that a"big
increase"in cost that Richfield However,he noted that recent
�► faced last December is"more court decisions have opened mu-
t typical than non-typical"among One example,nicialities new liabilities.
he said,is the new
ccommunities.
civil rights violation liability.
Richfield's total annual premi-
um went from$66,000 to A case before the Minnesota
Court now
$163,729 last winter.Like Maple- issue of Supreme whether a city is liab the
wood,this is the first increase inty s liable
three years. in the case of negligent fire
The city's increased general inspection,he added.
liability coverage,from TRITZ SAID the interest in
$300,000 to$500,000,and its self-insurance isn't a Minnesota
more valuable property have phenomenon. In Dade County,
Fla.,some 30 communities have
contributed to the premium
banded together to form a self-
increase,Mrs. Wilde noted.
insurance pool,he said.
The city's carrier is The.Home
Insurance Co.It was the only Other programs are at various
bidder for coverage. Mrs. Wilde stages of development among
said she has found that most some California cities,he said.
other communities are receiving At a national convention of
only one or two quotes for insur- Leagues of Cities,he said,25 to
ance covera n. 30 state groups expressed inter-
MRS.WTA• F said the"gener_ ' est in the self-insurance concept.
al climate"' .n Minnesota has
contributed to increasing premi-
ums.In the past 10 years, she
said,the courts have ruled that
Minnesota cities can be sued for
injuries. That wasn't the case
before, she commented.
In general,she noted,there is
a trend for higher and higher in-
jury awards and settlements.
Tritz said the League has
heard complaints from cities
that they've been"hit with very
large premium increases that