The FMIT provides General Liability and Professional Liability in one combined policy. These coverages are written on an occurrence format. The FMIT is the only municipal writer in the State of Florida to provide occurrence form for both of these coverages.

General Liability includes:

• Premises Liability
• Personal Injury
• Advertising Injury
• Product Liability
• Completed Operations
• Fire Legal Liability
• Broad Form Property Damage
• Explosion, Collapse, Underground Hazard

Professional Liability includes:

• Public Officials Errors and Omissions
• Employment Practices
• Employee Benefits Administration
• Medial Attendants/Medical Directors
• Law Enforcement Liability

The FMIT has limits available ranging from $100,000 to $5,000,000 and above, if needed. These coverages are available on a first dollar basis, with deductibles or a self-insured retention.

Additional benefits include:

• Claim expenses are paid in addition to the limit of liability
• Claims are paid "on behalf of," not on an indemnification basis
• Mandatory deductibles are not required on Errors and Omission and Law Enforcement
• Deductibles only apply to damages, not claim expenses

For additional information on our Liability coverages, contact the Trust Services Department at (800) 445-6248.

To request a quote, click here.