All members participating in the MCIT property and casualty (liability) program receive the following property lines of coverage:
- Buildings
- Contents
- Property in the open
- Builder’s risk
- Personal property of others
- Extra expense
- Equipment breakdown
- Drones (by endorsement)
- Fine arts (by endorsement)
- K-9
- Contractor’s equipment
- Electronic data processing (EDP)
- Miscellaneous personal property
- Valuable papers and records
- Theft, disappearance and destruction
Learn More About Property Coverage
Each video is 4 minutes or less and provides details about one area of coverage. Watch all for a complete understanding of MCIT coverage or view just the ones that pertain to your question.
The Coverage Summary booklet summarizes each line of coverage, including conditions and exclusions, as well as tips for how to best cover various types of property.
Members can contact their assigned risk management consultant to discuss coverage questions or concerns.
The Importance of Property Schedules
A significant factor in ensuring that coverage will respond when a member experiences a loss is having up-to-date property schedules, as well as placing property in the best category for coverage. All members with property coverage have property schedules on file with MCIT.
Schedules detail:
- The property the entity has covered
- The line of coverage that applies
- The limit of coverage available
- How that property will be valued if damaged or destroyed
- The per occurrence deductible
MCIT recommends that each member designate a general gatekeeper for notifying MCIT of changes that need to be made to the property schedules.
Make Changes to Schedules
Changes can be made easily at any time by submitting a change form through the online member portal.
Report a Claim
Submit all auto claims to MCIT through the member portal (access through orange button at top or bottom of page).