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The VLCT PACIF Property and Casualty Program has been tailored over time to address the particular coverage needs of Vermont municipalities. Coverages include:

  • Property (including flood and earthquake)
  • Crime and Fidelity (including Faithful Performance)
  • Equipment Breakdown
  • General Liability
  • Auto Liability and Auto Physical Damage
  • Law Enforcement Liability
  • Uninsured/Underinsured Motorist
  • Employment Practices Liability
  • Public Officials Liability
  • Cyber Coverage

We complement our customized coverages with:

  • Limits and sublimits that are higher than those normally found elsewhere
  • Expert local staff who understand municipal exposures

For additional information, contact Larry Smith, Manager, Member Relations.

Resources

EPL Referral Program

Making employment decisions can be challenging, and uninformed decisions can result in expensive employment practice liability (EPL) claims.

Model Contracts for Facility Use

Allowing private groups or individuals to use public facilities can increase a municipality's exposure to risk in many ways.

TULIP

PACIF strongly recommends that whenever a municipal location or facility is rented for a special event, the renter (or "tenant user") be required to show that they have

Sewer Backup Liability

Few things are more unpleasant than a sewer backup, and no municipal official or employee wants their town’s residents to have to experience one.

Thawing Underground Water Lines

When Vermont's weather becomes severely cold, PACIF members contact Loss Control asking about the safest ways to thaw underground water service lines.

All Resources