The Municipalitiy program targets the various independent boards, bureaus and commissions that Municipalities create to perform certain functions. Those include Municipal Utility Authorities (MUAs) that provide water treatment and distribution and/or sewage treatment, Joint Purchasing/Service Authorities, Open Space Preservation Commissions and Joint Municipal Courts among others. |
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| Social Services Private Schools Volunteer Emergency Services |
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 Social Services |
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This program is designed to meet the special needs of non-profit organizations including: |
 Private Schools |
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This program targets private elementary and secondary day schools. |
Product and Coverage Highlights You will find that Thompson/Mclay's program for private schools builds in many extra coverages at no additional cost. Examples of these general liability, property and automobile coverages include: |
Specialized Liability Protection Incidental Medical Malpractice Temporary Workers included as insureds Specialized Property Protection Broadened Water Coverage Computers & Media Food Contamination Shutdown - Planned Events Newly Acquired or Constructed Property Ordinance or Law Outdoor Fences Outdoor Signs Refrigerated Property Optional Coverages and Services Sexual Abuse and Molestation Employee Benefits Liability |
 Volunteer Emergency Services |
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This program was designed to provide a unique property and casualty program for volunteer fire departments. |
Specialized Liability Protection Emergency Services Errors and Omissions. Incidental Medical Malpractice Specialized Property Protection Commandeered Property, Communication Equipment, Computers, Property Off Premises, Refrigerated Property, Outdoor Signs & Fences, Outdoor Trees, Shrubs & Plants, Property in Transit and Valuable Papers Specialized Automobile Protection Fellow Member Coverage Pollution Coverage for Emergency and Training Operations $2,500 Physical Damage coverage for automobiles of employees or members Other Coverages and Services Bonds Commercial Umbrella - no self-insured retention Emergency Services Directors & Officers Coverage VESP Portable Equipment on a Guaranteed Replacement Cost Basis Difference in Condition (flood/earthquake) Employee Benefits Liability Flexible Payment Plans |
Thompson/Mclay Insurance Assoc.