This administrative regulation establishes uniform procedures
for handling City liability, workers' compensation (see also § AR-12),
property and fidelity risk exposures.
It shall be the objective of the City to:
A. Provide and maintain safe physical conditions (safe places to work,
safe vehicles, safe equipment, and safe municipal public facilities).
B. Conduct all municipal operations as safely and efficiently as possible.
C. Provide adequate insurance (either through outside carriers or through
self-funded programs) to cover all significant potential risk exposures.
Prompt reporting of losses expedites claims handling, reduces
loss time accidents and results in cost savings through settlement
of justifiable claims. Therefore, all accidents resulting in bodily
injury to any person, whether or not employed by the City, and all
accidents resulting in property damage, destruction or illegal taking
of City property, shall be reported immediately to the City Comptroller
(who will provide copies to the Loss Prevention Coordinator). See
Appendix 6.10A for copies of accident and incident reporting forms. In
addition, appropriate insurance forms must be completed with the assistance
of the City Comptroller (see Appendix 6.10B, auto and other liability
accident notice, and 6.10C, property loss notice). Claims against insurance companies or persons damaging
City property will be filed by the City Comptroller.
The following policies shall be observed in determining amounts
of insurance and bonds:
A. Fire insurance; public buildings and contents.
(1) It shall be the City's policy to insure with outside carriers fire
losses on public buildings on a blanket basis, with an agreed amount.
Insurance values shall be determined by independent professional appraisal
at least once every three years.
(2) It shall be the City's policy to insure with outside carriers the
contents of public buildings under the same conditions as real property.
B. Public liability and property damage insurance on motor vehicles.
Public liability and property damage insurance shall be carried on
all motor vehicles. The policy limits of liability on such motor vehicles
shall be established by the City Manager, subject to budgetary restrictions.
C. Comprehensive general liability insurance. The City shall provide
general liability coverage for bodily injury and property damage for
all City properties. The policy limits of liability for such coverage
shall be established by the City Manager, subject to budgetary restrictions.
D. Catastrophic insurance. The City shall maintain umbrella liability
insurance to protect against any major catastrophe. The limits of
liability, coverages and retention shall be established by the City
Manager, subject to budgetary restrictions.
E. Other insurance. Other insurance such as burglary, hold up, marine,
boiler or any type of coverage deemed necessary shall be placed into
effect. The policy limits of such coverage shall be determined by
the City Manager, subject to budgetary restrictions.
F. Employee fidelity bond. An employee fidelity bond shall be secured
for all City employees as required by the laws of the State of New
York or the City Charter.