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MAR-21-199n 16:132 FROM TO <br />re\ <br />North Star <br />Risk Services, Inc. <br />March 21, 1991 <br />Mr. Joel Hanson <br />Administrator <br />CITY OF LITTLE CANADA <br />515 Little Canada Road <br />St. Paul, Minnesota 55117 <br />94 ?4453,3 P. i i <br />Dear Mr. Hanson: <br />Thank you for your recent inquiry about the sales and consumption <br />of alcohol on city property. We, at North Star Risk Services, <br />Inc., and the League of Minnesota Cities Insurance Trust ( LMCIT) <br />staff are very concerned about this issue as well. Concern over <br />the alcohol issue stems from the joint and several legal theory in <br />which the city could very well be brought into a litigation if <br />there were to be a loss involving the alcohol consumption on city <br />property even if it was sold by a separate vendor. <br />Concern extends from such areas where the LMCIT has suffered loss <br />in the tripping area. A small tripping hazard which would not <br />present much of a hazard to a sober person may become a very large <br />obstacle to an inebriated person. This person could trip and <br />sustain an injury. <br />Additionally, the concern does exist for the person who has <br />consumed alcohol on city property to drive his /her car, have an <br />accident and do damage to either property or people. In either of <br />the aforementioned scenarios, the LMCIT could get involved and end <br />up costing the city and the League money. <br />with the aforementioned thoughts in mind, I would highly recom- <br />mend the following controls: <br />1. If the city does elect to permit an alcohol on city property, <br />the city should be obtaining a certificate of insurance with <br />an endorsement naming the city as an additional insured. The <br />city should check the proper liquor liability coverages <br />through the city agent -of- record and check the limits of <br />liability through the city agent -of- record and the city's <br />legal counsel. our general recommendation is that the minimum <br />limits of liability the city should be accepting would <br />parallel the limits of the city's own LMCIT liability policy. <br />PAGE 76G <br />1401 West 76th Street, Suite 500 ■ Minneapolis, Minnesota 55423 • (612) 861.8600 ■ FAX (612) 861-8M3 <br />A Member of Berkley Risk Management Services Group <br />